У статті проведено аналіз ефективності кредитування банками окремих галузей економіки та галузевих ризиків банків України, виявлені залежності прибутку та процентного доходу банку від частки кредитів у галузь у кредитному портфелі банку. Communication of streams of commodities and proper streams of money facilities between branches of economy is important for the economy growing. This communication acts important part in the model of common equilibrium, which at one time was used for prognostication in the planned economy. The shortage of certain industry in credit resources can result in confusions in this industry. In transition to the model of development of domestically-clan capitalism the analysis of of particular a branch risks which are linked from the inconsistency streams of capital to the money streams in an economy becomes important. The analysis of efficiency of crediting by the banks of separate industries of economy and of particular a branch risks of banks of Ukraine is considered in work.