Multidisciplinary Journal of Science and Technology

LENDING RISKS AS REFLECTED BY INDIVIDUAL BANKING INDICATORS

Irina Bitner

Department of Banking Business and Financial Technologies, Educational and Scientific Institute «Karazin Banking Institute», V. N. Karazin Kharkiv National University, Ukrainе

Nadiia Viadrova

Department of Banking Business and Financial Technologies, Educational and Scientific Institute «Karazin Banking Institute», V. N. Karazin Kharkiv National University, Ukrainе

Samer Mehyar

Head of project and assets accounts at the Jordan Petroleum Refinery, Amman, Jordan

Keywords: Risk, Lending, Dynamics, Banking indicators, Time series, Statistical analysis, Comparison, Loan rates

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Abstract

Banking activities are one of the objects of study and research in various scientific publications. This is due to the role that banks play in the functioning and development of the country’s economy and individual business entities. One area of such consideration is lending risks. This issue is important and relevant, as it allows us to monitor the efficiency of the bank’s activities and its sustainability. To study this issue, an analysis of various banking indicators is necessary. This will allow us to understand the continuity of the bank’s financial flows and the possibility of lending risks. In this case, it is advisable to know both the dynamics of individual indicators of banking activity and their relationship with each other. Based on this, the work examines the dynamics of various indicators of banking activity and examines their relationship. Such indicators for a number of countries are also considered. For research purposes, we use various statistical methods: from descriptive statistics to complex analysis of explicit and implicit relationships between data. The work presents various graphs, which generally allows you to understand the progress of the study and evaluate the results obtained.

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