This theme defined that the credit potential is the maximum loan amount that particular bank or all the banks can approve to customers, thereby ensuring liquidity, and that it is influenced by the bank's capital, customer deposits and monetary policy measures implemented by the central bank. The reserve requirement and liquidity reserves, respectively their increase or decrease, directly affects on the credit potencial. Sources of funds for loans to customers make financial potential of banks, which affects the size of the credit potential. On the formation of the amount and the structure of financial potential of banks or to a specific category of sources of funds affects a lot of different factors. As already stated, on the credit potential affects the monetary policy measures of the central bank, where one of the measures is a policy of mandatory reserves or reserve requirement which operates in a way that when the credit activity of banks is too high, the rates of the reserve requirement are increasing, while in a situation of the recession in the economy rates of the reserve requirement are decreasing. The largest amount of credit potential was registered in 2014. as a result of the increase in total deposits and funds in comparison to the previous year, and the largest amount of approved loans was registered in 2011. The minimum amount of credit potential was registered in 2010., and in that year also the smallest amount of granted loans.