In this article we will address the issue of credit ratings in selected benefit the most active banks in the Czech banking market. Evaluation will be based on actual expenses associated with the loan. The paper will be applied to assess the benefit and use of all possible tax savings, including depreciation of assets acquired. They compared three loans at banks which provide medium mostly bank loans and Raiffeisenbank as Komercni banka, as and UniCredit Bank Czech Republic, as.. .