The article analyzes the key aspects of commercial bank lending operations in the post-crisis banking system recovery phase. In order to ensure stable economic growth, it is important to help increase lending to the real sector of the economy, since by increasing the volume of granted loans by 10%, experts estimate that it is possible to get 2% of GDP growth. Therefore, it is important and at the same time difficult to ensure an active resumption of corporate lending. The strategic goal of the National Bank of Ukraine and the Government is to restore real sector lending in the near future and will be a major factor in economic growth. The purpose of the article is to conduct a comprehensive analysis of the field of bank lending to identify major weaknesses, obstacles that do not allow to achieve the desired economic effect. A structural analysis of the active operations of commercial banks was conducted to identify major obstacles and identify potential drivers of credit recovery. It was revealed that during the period under review for 2016-2019, assets grew due to the following factors: exchange rate revaluation of bank balance sheets and growth in consumer lending. In the structure of active operations, lending prevails, which is a reflection of the business model chosen by banks. The share of loans granted on bank balances ranges from 56 to 64% and reflects a downward trend. If you look at the structure of the loan portfolio by maturity, it should be noted that short-term loans predominate. This situation is caused by the fact that consumer lending is growing rapidly, and in this segment loans are granted for a period of mostly up to 1 year. In recent years, there has been a trend towards an increase in the volume of loans to individuals. As of 01.09.2019 is 20.92%. This structure of the loan portfolio is not yet a threat to systemic stability, but banks should carefully and conservatively reserve for such loans. The main factor contributing to economic growth is the resumption of lending to the real economy. The current situation in this segment is such that it is not possible to achieve this quickly. The main disadvantages that prevent this are the following. A significant proportion of non-performing loans on banks' balance sheets. Absence of sufficient quality solvent borrowers. Unstable macroeconomic situation. Insufficient protection of the rights of creditors, borrowers. Therefore, in order to achieve the strategic goal of securing rapid economic growth, these factors need to be explored in detail to identify possible ways of leveling them. Keywords : bank lending, loan portfolio, consumer lending, corporate lending. The article deals with the application of the program-target budgeting method for managing the effectiveness of regional information programs. The aim of the research is to substantiate the approach to the development of models for managing the effectiveness of the regional informatization program implementation in the context of the development of information society on the basis of program-target budgeting, for as the worldwide experience testifies to the dependence of economic growth in the region on its level of informatization. Monitoring the implementation of state targeted programs in Ukraine indicates their low efficiency, which outlines the relevance of the research topics. In the process of scientific research the following scientific methods and theories have been applied: analysis (for understanding of tendencies and current state of regional informatization in Ukraine), knowledge engineering (for structuring the process of research and field of knowledge of the problem), system analysis (for structuring the conceptual model of the problem of regional informatization programs management efficiency), program-target budgeting (for outlining the set of parameters of the conceptual model of the problem), synthesis and set theory (for formalization the conceptual model of the problem of managing the regional informatization programs efficiency). The peculiarities of the informatization of regions of Ukraine in the context of efficiency have been analyzed; conceptualization principles of the problem of managing the efficiency of regional informatization processes have been substantiated. The conceptual model of managing the effectiveness of regional informatization programs based on their program-target budgeting has been substantiated. The components of the conceptual model are formally described with the use of the set theory. This conceptual model for managing the efficienvy of informatization programs outlines the knowledge space to assess the expected effect of informatization projects in the regions of Ukraine, thus creates the background for the development of practical tools for comparative analysis of the quality of informatization projects at the reasoning stage. Keywords : informatization, region of Ukraine, program of informatization, indices of informatization, program-target budgeting, conceptualization