There are a multitude of internal and external factors influencing the stability of commercial banks that can cause systemic disequilibria in the banking sector. The unstable situation in the banking sector causes the reliability and efficiency of the national payment transfer system, which directly influences monetary policy, financial stability and general economic growth. Under existing conditions, commercial banks are constantly confronted with the instability and lack of predictability of factors that determine the efficiency of banking activity. In connection with this situation, a problem of bank risk management has become the subject of heated discussions about the factors of influence that can lead to the worsening of banking risks. Taking into account the impact of bank risk factors research, several groups of banking factors have been studied.