Introduction. In the present state of the domestic economy, where there is a stable manifestation of stagflation processes will inevitably have to deal with problems in the field of credit and the banking system. At the same time it is the real situation in those areas of financial activity depend largely on the prospects and potential for economic growth. Therefore, the study of the conditions in which this activity takes place, and the search for reserves to strengthen the positions of banks in the market today are the urgent tasks.