Proceedings of the International scientific and practical conference ―Current Issues in Science‖ (January 9-11, 2026) / Publisher website: www.naukainfo.com. – Dresden, Germany, 2026. – 179 p.

36 FINANCE AND BANKING; TAXATION, ACCOUNTING AND AUDITING UDC 336.71 Hanziuk Svitlana Ph.D., Associate Professor, Yevdokymova Anastasiia student Dniprovsky State Technical University Kamianske, Ukraine MAIN DETERMINANTS OF THE EFFICIENCY OF BANK LOAN MANAGEMENT Abstract. The role of effective credit management in maintaining the stability of a banking institution, the strategic and tactical goals of the bank's credit policy regarding the organization of the lending process are considered. Important tasks of bank management in crisis conditions are identified - identifying sources of crisis potential formation and assessing its impact on the lending activity of banks. The latest changes in the legislation of Ukraine regarding the assessment of customer creditworthiness using modern approaches, in particular, taking into account the Law on Credit Histories, are considered. Keywords: lending, credit activity, bank credit policy, creditworthiness Effective management of credit resources plays a crucial role in maintaining the stability of a banking institution, as the presence of problem loans can cause