Modern credit market is a complex system with rapidly increasing dynamic.
This raises many interdependencies between constituent elements of this system. On
of such component is set of interdependencies between market conditions and banks
performance. Basically, banks develop their credit strategies in accordance of credit
market conditions. But when banks realize their strategies it is changing the condition
of the market with some delay in time. It is classical systemic effect. Typically
changes concern to following market characteristics: Average deposit rate; Average
time for issuing loan; Average interest rate; Number of potential borrowers; Average