Keyword: «borrower»

Consumer lending has always been and is the most profitable activity for banks. The reason for this is that the interest rate on consumer loans is so high that the market price of borrowed loans and the level of bank losses for unreturned loans should so sharply increase that this segment of bank lending ceases to be profitable. Therefore, commercial banks seek to increase the share of consumer loans in their portfolios. This article is devoted to the consideration of the main key issues of the organization of work of bank loan officers when negotiating with private borrowers to determine the appropriateness of concluding a loan agreement.

This article discusses the essence of the concept of "creditworthiness", identified the main ways to assess the creditworthiness of the borrower. In addition, the calculation of the solvency index by the method of PJSC "Sberbank" is presented.

This article discusses the problem of life insurance when concluding a banking agreement. The indicators of reported insurance cases and amounts paid are examined. It also analyzes the number of complaints against credit organizations about the imposition of insurance services when applying for loan products.

Big Data is used everywhere today and the activities of financial institutions are no exception. The advantages of big data analytics technologies lie in the volume and speed of processing various types of information, which contributes to an increase in the level of automation, ensures the optimization of business processes and contributes to the improvement of financial markets. In addition, big data enables financial institutions to provide more personalized services to consumers and expand their customer base.