dnoshennya return and risk. The purpose of this activity is to create conditions creditor protection by setting limits and diversification of loan terms, implementation of proper analytical diagnosis of the financial condition of the borrower, which should include analysis of the client's cash flow and a comprehensive analysis of its creditworthiness, the choice of the optimal form of collateral. [21] Credit risk is an integral part of the banking risks, which a specific strategy with their relationships, properties, attributes and relationships. The credit risk of the bank - a formalized process with a clear sequence of phases, mechanisms and methods by which the bank identifies risks, assesses their level. Monitor and control its risk positions. Management Credit risk is the carrying out actions aimed at maintaining a risk level that meets stated objectives of the bank.