The purpose of this research was to investigate the impact of bank competition, ownership structure and economic growth on credit risk and financial stability. The geographical area of this research was the banks admitted to the Tehran Stock Exchange and the time area was the years between 2015 and 2021. In this research, bank competition, ownership structure and economic growth were considered as independent variables and credit risk and financial stability were considered as dependent variables. The current research is in the category of applied research, if the classification of types of research based on nature and method is considered, the current research method is descriptive research in terms of nature and it is considered in correlational research in terms of method. In this research, library method was used to collect data and information. In the data section of the research, it was done by collecting the data of the sample banks by referring to the financial statements, explanatory notes and the stock exchange monthly. In order to describe and summarize the collected data, descriptive and inferential statistics have been used. In order to analyze the data, first, pre-tests of heterogeneity of variance, Flimer test, Hausman test, and Jarek-Barra test were used, and then multivariate regression test was used to confirm and reject the research hypotheses (EVIEWS software). The results showed that banking competition, ownership structure and economic growth have a significant positive effect on credit risk, and ownership structure and economic growth have a positive and significant effect on financial stability, and on the other hand, banking competition has a significant negative effect on financial stability.