Summary 

Quality analysis of the commercial banks' credit portfolio show that many factors affect the management of this process. Commercial banks also use different methods of credit quality assessment to determine the quality of credit portfolio. It may be possible to identify some of those who use banks and other financial intermediaries to make a decision on lending.

In the credit portfolio it is necessary to review the lending and equal debt in the relationship, as well as to consider the relationship between credit portfolio elements and characterize the new economic position.

While defining the quality of the credit portfolio of commercial banks it is necessary to take into account criteria, as each of them represents the different aspects of the credit activities of the commercial bank;

The performance of commercial banks' performance is estimated by Forbes Georgia, in cooperation with the National Bank of Georgia and Ernst & Young. Forbes periodically carries out ratings of Georgian banking sector ratings.

While defining credit portfolio quality, the commercial bank is based on the following indicators:

1. The share of credits in the total volumes of the bank's assets, shows the bank's credit assets volume it according to international standard the indicator is higher than 65%, the bank it is recommended to review its own credit policy, which has a high level of risk;
2. In the bank's credit portfolio's overall volume, and the share of short, medium long-term loans, and the volume of loans depending on the individual types of credits according to different sectors of economy;
3. The number of overdue debts and its share in the volume of credit as a whole;
4. Marginal level of overdue debts in assets that bring income and the bank can cover it at the expense of its own net profit and reserves;
5. High risk credit debts level indicator 4 and 5 group loans, paid papers, factoring, leasing and others to belong such debts;
6. Suspicious and desperate debts;
7.  The ratio of share of credit to the borrowers of different branches the total volume of credit portfolio;
8.  Ratio of revenues from loan operations with their own means;
9. Ratio of the reserve fund allocated with cover the loss of loans to the volume of credit portfolio;
10.  Ratio between "working" and "non-working" assets;
11. Ratio between net and brutto Assets, which show the rational structure of the bank's assets and significantly depends on the credit portfolio quality.
12. Other coefficients.

Thus, the presented indicators allow us to analyze the bank's credit policy, determine the rational structure of the credit portfolio, the risk of active operations and their impact on liquidity, revenue and profitability of the bank.

Key words: Credit portfolio, factors; Quality criteria; Quality Assessment Indicators.