Subject. The article considers risk-forming factors in the credit process. Objectives. The purpose is to study and systematize risk factors that in the process of bank's credit interaction with companies (of non-financial sector) affect the achievement of the bank's performance targets. Methods. The study rests on the systems approach, using general scientific dialectical methods (analysis and synthesis, deduction and induction). Results. The paper highlights and systematizes the main risk-forming factors in the process of bank's credit interaction with non-financial sector companies, identifies areas of expertise for their assessment at the stage of early prediction of the probability of borrower’s default or occurrence of problem debt, and at other stages of credit process. The findings can be used by banks to develop a banking risk management system, improve the efficiency of bank risk management when interacting with borrowers, adapt them to new challenges and vulnerabilities, and also to fully exploit the strategic potential of relationships with corporate clients. Conclusions. The study of risk-forming factors will enable to determine the level of manageability of banking risks, to form the right approach to managing banking risks, to determine ways to reduce, exclude, or compensate for their negative consequences.
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