THE ANALYZE OF CREDITING SYSTEM IN NATIONAL BANKING

Angela ȘESTACOVSCAIA Universitatea de Stat din Moldova

Abstract

Crediting in a national banking system is realized by 11 commercial banks. In 2013 the loan portfolio reached the maximum value, but in last 3 years its lowering is noticed. The largest specific weight in the loan portfolio is occupied by “Moldova-Agroindbank”, “Moldindconbank” and “Victoriabank” – nearly 65% belong to them. Approximately the third part of the loan portfolio accrue to trade, but 10% accounts for food industry and consumption. The prevailing part is debtors - legal entities residents, including natural persons, which put into action the business function. About a half of the credits is provided in national currency. Keywords: crediting, loan portfolio, banking, average weighted rate of interest, impaired loan, overdue loan, amount balance.