Gerbych L. Management of bank mortgage loan portfolio

The author proposed a matrix of evaluating quality of the bank mortgage portfolio, which horizontally displayed dynamics of portfolio mortgage bank, and vertically - its rank by largest synthetic indicator of quality. The last is determined based on the aggregation of indicators of yield, risks, liquidity and sufficiency. Theoretical and methodological principles of management of bank mortgage loan portfolio based on the harmonious combination of system, process and situational approaches considering its features were developed. The conceptual-categorical apparatus and classification of bank mortgage loan portfolio were improved. The system of principles of bank mortgage loan portfolio was generalized ant its inside structure was systematized by allocation of two groups of principles - general and specific principles of management of bank mortgage loan portfolio. The methodic approach to the implementation of loan covenants that is applied for contracts of mortgage lending was developed by their systematization and working out the sanctions for their use in banks in case of their violation. The author improved method of revaluation of collateral bank mortgage loans on the basis of the method of hedonistic regression, using of which helps bank minimize risks arising in the management of its collateral. The methodic approach to monitoring of bank mortgage loan portfolio, which includes forms of collateral, types, features, organizational, information and analytical support of monitoring of portfolio of bank mortgage loan portfolio, including forms of internal bank reporting was developed.