Achieving Profitability of a Bank though Determining the Stages of Development of Innovative Loan Products
Анотація
The aim of the article is to substantiate the approach to ensuring profitability of a bank by elaborating a strategy for enhancing its lending activity based on determining the stages of development of innovative loan products. The article presents the calculation of the indicators characterizing the intensification of lending and the lending policy, namely: share of loans to individuals in the loan portfolio, coefficient of lending activity, loan-to-deposit ratio and interest coverage ratio, for 73 banks of Ukraine as of 01.01.2020. Moreover, the dependence of a bank's profitability on indicators of lending intensification is empirically confirmed though constructing a model using the principles of correlation and regression analy- 336.71(477) JEL Classification: G21; O31
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