Nonperforming loans(NPLS) is the main cause of crises of bank and financial industry. High NPLS have important influence on bank and a country. The dissertation researches behavior of commercial bank manager (constituent or principal) and Enterprise manager (agent) about NPLS. Conclusion is drawn from the paper: bank NPLS originating in cooperative game is not easier than non-cooperative game when we don’t take into account market risk and budget soft restriction.