Volokhov V. Efficiency of Bank Credit Activity

Object: credit activity of banks of Ukraine. Goal: elaboration and scientific corroboration of theoretical fundamentals and practical methods of estimation and raising of bank credit activity efficiency. Methods: comparison, analysis, synthesis, systematization, composition, analogy, economic-mathematic modelling. Results: methodical fundamentals of estimation of bank credit activity efficiency based on the improvement of costs' division into direct and indirect ones; methods of estimation of credit projects' efficiency by means of their total costs' determination processes optimization using basic indices of bank credit activity overall costs' division; costs' classification depending on estimation method for different kinds of services to non-percent costs in bank credit activity; non-percent costs' classification according to their sizes' dependence upon some indices of bank credit activity; system of factors that need to be considered while estimating marginal volumes of bank credit activity in order to maintain sufficient level of its efficiency; system of factors that cause complexity of credit projects and level of personnel's labour expenditures for their consideration and accompaniment accordingly. Use: National Bank of Ukraine, Ukrainian Banks Association, bank institutions, in educational process.