The relevance of the study is due to the need to improve the financial stability and security of banking institutions in today's unstable economic environment. In conditions of high competitive load and growing risks, credit institutions must adapt to changes and improve the efficiency of their financial operations. The purpose of the study is to analyze methods and approaches aimed at improving credit risk management and ensuring the financial stability of banking institutions. The mechanisms of assessing the solvency of borrowers, the specifics of automating business processes, as well as the role of risk management in reducing threats to credit institutions are considered. The main directions of improving the quality of the loan portfolio have been studied, including automation of procedures, the use of robotics and the introduction of artificial intelligence into credit operations. The aspects of the introduction of technologies to reduce costs and improve the reliability of the banking system are disclosed. Key indicators affecting the stability of a banking institution and factors contributing to increasing customer confidence have been identified. In conclusion, the importance of automation and systematic risk control as necessary conditions for long-term growth and stability of the financial system of banks is substantiated.