Banking and Credit Institutions by O. G. Kovalenko is a fascinating and deep immersion in the world of finance, which will become an indispensable tool for both students of economics and professionals working in the banking sector. In this work, the author not only highlights the theoretical foundations of banking, but also offers practical recommendations, which makes it unique in its kind. The book focuses on key aspects of the functioning of banking institutions and credit institutions. Kovalenko masterfully explains how the banking sector is organized, what functions banks perform and what types of credit products exist. The reader will be able to understand how banks manage risks, how interest rates are formed and what factors affect the creditworthiness of borrowers. This knowledge will be useful not only for those who want to work in the banking sector, but also for those who are simply interested in economics and finance. The book will be of particular interest to students of economic and financial specialties, as well as practitioners who want to update their knowledge of modern trends in banking. It is also suitable for those who want to better understand personal finance and lending, since the author pays attention to issues that concern everyone: how to choose a bank, how to properly issue a loan and what to pay attention to when concluding financial transactions. The topics raised in the book cover a wide range of issues, including economic theories, legislative aspects, and the impact of global economic processes on the banking system. Kovalenko focuses on the importance of financial literacy and understanding of the mechanisms of credit institutions in the modern economy This makes the book relevant and useful in light of the ever-changing financial landscape. Style O. G. Kovalenko is distinguished by clarity and accessibility . The author skillfully combines academic rigor with practical examples, which allows the reader to easily assimilate the material. In addition, the book contains graphs and tables that clearly illustrate the key points, which makes the study more exciting and interactive. This quality makes the book not only a textbook, but also an interesting reader for anyone who wants to expand their horizons in the field of finance. It is worth noting that O. G. Kovalenko is not the only work of the author . He is also known for his work in financial analysis and risk management, which highlights his expert status in the field. Readers interested in in-depth study of financial topics may find much useful information in his other books. Thus, “Banking and Credit Institutions” is not just a textbook, but a real guide to the complex but fascinating world of finance. This book will become a reliable assistant for anyone who wants to understand banking issues, increase their financial literacy and learn to make informed decisions in the field of lending and investment. Do not miss the opportunity to discover new horizons in the world of finance with the help of this wonderful work!