Abstract:
In this article, we have considered the main aspects of managing the loan portfolio of commercial
banks of the Republic of Kazakhstan in the context of increasing cross-border impact of sanctions on the
economy. Factors such as high credit risks, non-repayment of the loan, inefficiency of banks' lending
activities, deterioration of the quality of the loan portfolio, the degree of riskiness of credit policy require
optimization of the process of managing the loan portfolio of a commercial bank.
The trends of gradual growth of the loan portfolio since the beginning of 2019 are considered. The quality of
the loan portfolio of commercial banks in Kazakhstan was analyzed. The role and importance of credit
portfolio management in the development of the country's economy and the well-being of the population is
determined. The article discusses the theoretical aspects of the management of the loan portfolio, its role in the
development of the economy of Kazakhstan, for the analysis of the current state and trends in the development
of lending, official statistical data of the National Bank of the Republic of Kazakhstan were used.
The analysis of the loan portfolio in the context of the regions of Kazakhstan, as well as its structure by
economic sectors, is carried out. The main problem areas in the effective management of the loan portfolio are
identified. The author's recommendations on improving the areas of improving the quality and management
of the loan portfolio are proposed.
