The article states that each commercial bank in the course of its activity makes numerous decisions caused by a number of parameters that influence the end result. These decisions include volumes of attracted and placed resources, deposit maturities, loan maturities, and interest rates on deposits and loans. All these parameters are functionally interconnected within credit operations, and variation of any of them may lead to a decrease in overall performance of the bank. Banks implement pricing procedure through their interest rate policy. The object of the policy is deposit and credit products, which prices are expressed as percentages. The authors emphasize that when there is an adverse situation in economy, which is accompanied by crisis phenomena, monetary policy toughening, decline in consumer demand and income of the population and organizations, it is important for a bank to "survive" and try to preserve achieved indicators. If there is an increase in consumer demand, income of natural and legal entities, the competition for the consumer among credit organizations grows, and the bank needs to develop an action plan to attract potential clients. The authors identify the need for optimization of deposit, credit and interest rate policies of a commercial bank. To solve this task the authors designed unique techniques to identify significant environmental factors and the factors influencing the external environment, to determine prices of deposit and credit services on the basis of an assessment of potential requirements and opportunities of economic agents, to determine the price of banking products based on the "supply and demand" model. The individual techniques are united in an integrated technique of creating a balanced interest rate policy of a commercial bank. To realize the integrated technique the authors developed an algorithm enabling to use the tools of individual techniques in whole or in part, depending on situation. The authors demonstrated a possibility of practical application of the developed complex technique.
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