theoretical basis of the work are Ukrainian and foreign scientists (A. Frost, M. Savluk, SN Kabushkin, A. Milalai, IN Verhunenko Persia, and others), laws and regulations Verkhovna Rada of Ukraine, President of Ukraine, National Bank of Ukraine, Intra instructions and conditions. Knowledge base are reporting and current commercial bank materials, data periodical press, textbooks, manuals, and other sources of information [1-12,17,27,38-41,64]. The results of this thesis can be considered banking institution in the development of its monetary policy and highlighted material will be of interest to the public of specialists in the field of economy and Finance. 1 THEORETICAL BASIS OF COMMERCIAL BANK PJSC «Raiffeisen Bank AVAL " 1.1 The essence of credit operations and their role in the commercial Bank Banking system today - it's one of priority and nonnegative structures of a market economy. The main point is the credit system banks and credit institutions licensed by the National Bank of Ukraine, which simultaneously act as buyer and seller of existing in society temporary funds.