Managing Mortgage Lending Risks in a Bank

The research paper "Risk Management of mortgage lending in a bank" is devoted to the analysis and development of a risk management strategy in mortgage lending, taking into account the increased demand for mortgage loans and increased credit risks in Russia. The purpose of the study is to create an integrated approach to mortgage risk management at VTB Bank, which includes an analysis of the theoretical foundations of mortgage lending, the study of existing risk management methods, the identification of factors affecting credit risks, and the development of recommendations for the Russian banking sector. The hypothesis of the study suggests the presence of a statistically significant linear relationship between macroeconomic indicators and the level of overdue mortgage loans, which can be used to more accurately assess and predict risks.