LOAN POTENTIAL AND LOAN POLITICS AS COMMERCIAL BANK RESOURCES FROM THE ASPECT OF PLACEMENT

Abstract

Bank loan potential is one of the most important factors of the financial potential of a bank and represents the highest possible amount that the bank can offer to its clients via loans. The size of the bank, that is, its loan (financial) potential, determines the geographic area of its placements. Therefore, large banks have a large geographic area, and small banks have a small geographic area for the placement of their resources. Loan politics is derived from the goals of business politics. Loan politics is usually defined as a set of principles that guide the management structure of a bank in determining the placement of a loan potential, and the goal of this politics is to achieve the programmed rate of gains with an acceptable level of risk. After that, each bank divides this (synthetic) goal on branches, economic and population sectors, and depending on the aspect of deadlines, where loan politics is further divided into short-term and long-term placements (based on sectors and branches).