Swedbank, AB ir AB SEB bankas pradelstų paskolų 2007-2011 metais analizė

LTStraipsnyje analizuojama paskolų samprata, jų klasifikavimas ir rūšys. Aprašoma įvairių autorių nuomonė, kaip atsižvelgdami į pasirenkamos paskolos rūšį bankai taiko skirtingas sąlygas gavėjams bei palūkanų normoms už paskolas. Taip pat analizuojamos palūkanų rūšys pagal paskolos dydį ar kitas sąlygas, pateikiami duomenys apie sąlygas, įtakojančias paskolos rūšį. Nagrinėjamos pagrindinės makroekonominės priežastys, kodėl bankų teikiamos paskolos tampa probleminėmis paskolomis. [Iš leidinio]Reikšminiai žodžiai: Kredito rizika; Pal8kanos; Palūkanos; Pradelstos paskolos; Credit risk; Interest; Oberdue loans, interest; Overdue loans.

ENThe overdue loans of Svvedbank, AB and AB SEB bank in 2007 - 2011 are analyzed in this professional bachelor's thesis. The analysis is carried out in order to clarify the tendencies of the changes of the overdue loans due to the factor that the increase of such loans reduces the factor of benefit. The overdue loans were analyzed and the reasons influencing the increase thereof were also clarified. The data of the loans were analysed using the method of a horizontal analysis and the formula of counting proportions. It is ascertained that only after having analyzed the factors, which were making the negative influence on the overdue loans, the reasons were observed and the influence on the amount of all the overdue loans was clarified. According to this research it was obviously observed that the most significant reason of the overdue loans was the absence of the capability of using the loans properly. In the second place, there was the reason that client's dependency on loans also makes a considerably negative influence. [From the publication]