АНАЛІЗ СУЧАСНОГО СТАНУ, ФАКТОРИ ВИНИКНЕННЯ ПРОБЛЕМНИХ КРЕДИТІВ БАНКІВ ТА НАПРЯМИ ВДОСКОНАЛЕННЯ ЇХ УПРАВЛІННЯ

determined that it is appropriate to divide the factors into internal and external in terms of the bank's ability to influence or limit the influence of the factor. The article systematizes the authors' approaches to the identification and classification of factors of non" performing loans. The article analyses the dynamics of credit operations and the share of non"performing loans in the banking system of Ukraine in 2018—2022 and determines that the share of non"performing loans in the portfolios of Ukrainian banks has been tending to decrease in recent years. The main directions for improving the management of non"performing loans of banks in Ukraine are the measures implemented within the framework of the State policy, the use of foreign experience in managing non"performing loans, both by the State and banks