In view of the existing problems and the situation in the money market, questions on how to improve credit activities are quite interesting. Indeed, the study of the sources and forms of repayment, development methods to reduce the proportion of bad loans in total loans, the effective use of the analysis provided loans effectively manage interest rate risk for banks allowance for possible losses on loans, implementation of quality forms of security and control over the intended use of the loan have a regulating effect on the banking business. Therefore, because of the complexity and multiplicity of topics discusses many issues require in-depth systematic study. The object of study is the Joint-Stock Company "Raiffeisen Bank Aval ".