The banking sector is the backbone of the country's economy, where ongoing processes significantly determine the financial stability of the country. In the modern world, this topic does not lose its relevance, moreover, it is becoming more and more the center of attention. As it is known, Georgia is a developing country, where the largest share of the financial sector belongs to the banking sector. Community life, including primarily the business sector, which significantly depends on the effective functioning of the credit sector. The article is dedicated to modern trends, first of all the Covid-19 pandemic the biggest challenge of the 21st century, because of it the banking sector faced the biggest challenges and completely changed the credit environment. The article reflects the reality of whether the Georgian banking sector is ready to deal with various types of financial crises in the changing environment.