Credit portfolio includes a credit group that is structured by bank management team according to credit users. Realizing the key targets of credit portfolio management imply the analysis of: (1) volume of credits, (2) portfolio structure, (3) credit services, (4) payment of credits, (5) credit price (interest rate), (6) realized profit. The credit portfolio modeling is the top management competence. Performance of credit portfolio depends from expect risks and returns estimate, having insight approved and realized credits. Monitoring, like a credit portfolio following process, applies to individual and all credits in the bank credit portfolio. Endogenous factors (economy conditions) and exogenous factors (for example business philosophy) have a special impact on the bank credit portfolio. Model ZETA represents the analysis model, using for credit users monitoring. Appling the ZETA analysis model it is possible to make a different between successful and unsuccessful credit users, having insight the future business of theirs.
Nenad Vunjak and Tamara Antonijević. "Management Strategy Of Bank Credit Portfolio." Montenegrin Journal of Economics. vol. 4, no. 7, 2008, p. 47-54
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