The purpose of any credit institution is not only to obtain profit, but also to maximize profit. One of the banks' sources of income is the bank loans granted to its customers. For any bank, the bank loan is one of the most important investments with high yields, which results in obtaining important incomes that compete to maximize profits and prosperity of businesses, given that it is corroborated by the limitation or even cancellation of the negative effects generated by the possible risks that may occur in the lending activity. From this perspective related to the principle of reasonable profitability, any bank will consider covering its costs, including the risk resulting from the lending activity, as well as the realization of profit. An important aspect of the lending activity is represented by the follow-up of the loans granted to the clients of the bank, which is oriented for the purpose of knowing and at the same time of acting in order to limit or cancel the risks to which the credit institution is exposed as a result of the non-payment at maturity of the installments and accessories related to the loans granted arising from the contractual obligations. From this perspective, the study proposes a current comparative research on the current credit conditions of the banks.