Credit relations between commercial banks are determined on a contract basis is by entering into credit agreements that are predicted rights and obligations of the parties with proper design cases interbank loans. Commercial banks provide credit services for borrowers contractual terms. Lending to businesses has commercial bank, not a structural unit (branch office). So, if provided adequate powers structural unit (position, status, power of attorney), the latter may enter into loan agreements on behalf of the bank. Party to the contract in such cases, a bank, not a structural unit. But if structural unit of the bank does not have the appropriate authority and has credit agreement on behalf of the bank, and the latter subsequently approved the agreement, then such cases governed by Article 63 of the Civil Code of Ukraine.