Overdue loans in Russia

Main article: Lending in Russia

Overdue mortgage debt

Main item: Overdue mortgage debt

Debt for housing and communal services

Main item: Debt for housing and communal services

Telecommunications debt

Main item: Debt for telecommunications services

Alimony

Main article: Alimony

2024: One in four inheritances - with debt

Every fourth person who dies leaves behind debts. The mechanism for transferring debt on loans, microloans, housing and communal services debts and alimony to new borrowers represented by heirs requires an additional settlement. In the spring of 2024, amendments to the legislation may be adopted, obliging notaries to request information about debts from the Bureau of Credit Histories (BKI). This was announced on February 20, 2024 by the Debt Consultant (Doc).

Inheritance legislation establishes that not only the property of the testator passes to the heirs, but also its debts (but not more than the value of the inherited property). However, if the process of transferring rights to property to heirs is regulated by law, then the process of transferring the obligations of the deceased has gaps.

The norm is timely, since in generally accepted practice notaries when opening hereditary cases are not engaged in the search for probable creditors of the testator, "said Denis Aksyonov, general director of the Debt Consultant collection agency. - As a result, creditors will learn about the death of the borrower last among interested parties after a long time, and then are forced to bear the costs of independently finding those who accepted the inheritance. Often, recipients of the inheritance refuse to voluntarily fulfill the financial obligations of the deceased, and the collection process continues in the courts.

For 11 months of 2023, 1.6 million people died in the Russian Federation (Rosstat data). According to the Bank of Russia, every second working resident of the country has debts to credit institutions (47 million active borrowers as of July 1, 2023, which is 56% of the working age). Focusing on age-related mortality rates, it can be assumed that a quarter of the dead were active borrowers. And on the scale of 2023, 0.4 million dead citizens could leave outstanding debts to their heirs.

The problem affects mainly unsecured loans and microloans, since the notary sees the assets of the deceased in the form of a car or apartment, even if they are purchased on credit, - explained Denis Aksyonov. - And if the purchase of such movable or immovable property was provided with insurance, then the heirs should not have difficulties in repaying debts. Difficulties for all parties arise on unsecured loans - credit cards, installments, consumer loans in cash. It usually takes a long time until the creditor discovers the heirs and appeals to them to fulfill financial obligations. Every second of the heirs explains that he was not aware of the debt obligations of the testator, which by this time will increase due to accrued interest.

In the spring of 2023, banks were given the opportunity to receive information from the Federal Tax Service of the Russian Federation about the death of a depositor in order to block expenditure transactions on his accounts and, thereby, reduce the likelihood of unauthorized write-offs before the heirs inherit. At that time, the legislator did not take into account the likelihood of a deceased citizen having credit obligations - the norm affected only deposits.

2023

26% of Russians' debts to banks cannot be recovered

26% of Russians' debts to banks cannot be collected. Such data for 2023 were published by the National Association of Professional Collection Agencies (NAPKA) on February 20, 2024.

As RBC writes with reference to this study, in 2023 banks offered collectors problem loans worth 258 billion rubles, which is 4% less than a year earlier. The volume of "unpromising" debt in NAPKA was estimated at 67.1 billion rubles by the end of 2023. At the same time, collectors acquire "bad" debts in portfolios with prospective debts, the value of which is considered as a percentage. In this case, part of unpromising debts is conditionally taken as 0%.

banks offered collectors problem loans worth 258 billion rubles

According to the association's estimates, in 2023, banks entered into cession transactions with collection agencies (sales of debt claim rights) for 239 billion rubles, which is 14% more than a year earlier. The recoverers received about 1.42 million problem loans. The average amount of debt in one case increased by 12%, to 168 thousand rubles. It is specified that 65% of the volume of bad debts sold fell on cash loans (155 billion rubles), another 27.4% (65.3 billion rubles) - on credit cards.

According to the NAPKA classification, debt can be considered "unlikely to be recovered" if the client is in bankruptcy proceedings (extrajudicial or judicial) or has died. In addition, debts with small amounts and the lack of necessary documents about the debtor, as well as those for which the deadlines for filing claims for collection have expired or missed, fall into the category of poor quality.

Prices for such portfolios are very low and can start from 0.1% of the nominal volume, so some of such portfolios find demand from buyers: large agencies with technological scoring and extensive collection experience in different debt segments are able to work with such portfolios and provide fees for them, - explained Alexander Vasiliev, general director of the ID Collect overdue debt recovery service.[1]

The Ministry of Finance of the Russian Federation creates a single register of budget debtors

The Ministry of Finance of Russia is developing a unified register of debtors of the federal budget. The department told about this in July 2023. As noted in the ministry to Izvestia, in pilot mode, the register is formed within the framework of centralized accounting. Read more here.

The average per capita overdue retail debt of each resident of the Russian Federation to banks for 3 years increased by 1.5

The average per capita overdue retail debt of each resident of the Russian Federation to banks in three years has grown 1.5 times and exceeded 7.6 thousand rubles. The criterion shows the conditional financial burden on each resident of the country based on the total overdue debt accumulated by credit institutions - from newborn to advanced years. Such conclusions were reached by analysts of the Debt Consultant collection agency based on an analysis of data from the Bank of Russia. The agency reported this on April 24, 2023.

According to the Bank of Russia, at the beginning of March 2023, 1109 billion rubles of overdue retail debt accumulated on bank balance sheets (non-payments on loans for more than 90 days). Based on the population of the Russian Federation according to Rosstat, the financial burden on the shoulders of each citizen of the Russian Federation in the spring of 2023 reached an amount of 7619 rubles. Three years earlier, at the beginning of 2020, it was equal to 4974 rubles. Thus, the increase was 53% or 1.5 times.

Overdue debt accumulated at such a rapid pace limits the ability of banks to issue new loans, and the population deprives them of the opportunity to receive them, thereby reducing the flow of money into the economy, "said Denis Aksyonov, general director of the Debt Consultant collection agency. - The average per capita rate of overdue debt should be doubled when we talk about an economically active population, and this is already 15 thousand rubles for each person aged 15 to 72 years. Even after adjusting for inflation, the growth rate of overdue debt is significant. If the dynamics continue, in the future we will see a significant increase in the number of bankruptcies of individuals.

From the dynamics of the growth of average per capita overdue debt in each of the regions of the country, conclusions can be drawn about the general economic situation: the range for three years ranged from 18% to 197%. The maximum growth rates of the top 13 regions are shown in the table.

A mathematical indicator does not mean that every resident of the country must pay exactly this amount for his neighbor, but he emphasizes the degree of debt burden and inability to pay for previously taken loans, - said Denis Aksyonov. - The calculation did not include debts to MFIs or already assigned to collection agencies, taking into account them, the amount can be safely multiplied by another one and a half.

Details of the regional structure of per capita overdue retail debt for the period from January 2020 to March 2023 can be found in the full version of the table prepared by the Debt Consultant.

2022

The solvency of companies and individuals remains very high, despite the crisis in Ukraine

One of the main issues after the start of Russia's special operation in Ukraine is a measure of the stability of the banking system in the context of an increase in delinquency on loans and potential inevitable write-offs.

For example, in the crisis of 2009, overdue debt for business and the population as a percentage of the loan portfolio increased from 1.8% to 7.2% (+ 5.5 pp), and in the crisis of 2015-2016, overdue debt increased from 5.2% to 8.7% (+ 3.5 pp).

At the beginning of spring 2022, there was every reason to believe that delinquencies would grow to 11-12%, given the scale of the sanctions strike, but what happened?

The solvency of borrowers remained at a very high level.

From March to November 2022, about 10 trillion rubles of loans to legal entities were restructured, including 1 trillion for SMEs, which is 17% of the corporate portfolio of banks. A significant part of these loans is associated with floating rates and was restructured during the period of an aggressive increase in the Central Bank rate in March-June 2022.

The share of distressed and bad loans in corporate loans decreased from 7.6% in early 2022 to 7% in November 2022.

The number of restructured loans to individuals was only 420 billion or 2% of the loan portfolio, which shows a high potential for solvency. There are virtually no foreign exchange loans and no floating rate loans.

For mortgage loans, the share of non-performing loans (delinquencies on payments over 90 days) remained at a negligible level - only 0.7%.

For unsecured consumer loans, the share of non-performing loans increased from 7.7% to 8.8%, but this growth is not significant, since for serious crisis processes the characteristic delay in unsecured loans exceeds 15%.

The volume of bad loans for legal entities is 3.5 trillion rubles, and for individuals only 1.4 trillion rubles. The portfolio of loans to legal entities, taking into account foreign currency loans, is 59.1 trillion rubles, and for individuals - 27.4 trillion.

In total, less than 5 trillion rubles of loans are problematic for all types of loans issued by the banking system in favor of the subjects of the Russian economy of the non-financial sector.

Banks "current reserves for possible credit write-offs cover distressed corporate loans by 110% (108% a year ago), and distressed retail loans cover 136% (138% a year earlier).

The amount of expenses for the creation of reserves for write-offs increased from 0.5 to 2.5 trillion (the forecast in early spring was 3-3.5 trillion).

The situation at the beginning of 2023 is quite stable, the Spydell Finance channel noted. There are more than enough reserves for write-offs, no trend for the degradation of the loan portfolio has been identified, overdue loans are even decreasing, the discipline of borrowers is high.

The situation with the balance of incomes/expenses of the population is stable, because if there were a clear imbalance, then overdue unsecured loans would grow sharply - this is the most adequate leading indicator of the measures of crisis processes in the economy. The situation is not easy, but definitely not a large-scale crisis.

The volume of overdue retail bank loans increased by 16% to 1.017 trillion rubles

At the end of 2022, the volume of overdue retail bank loans (excluding mortgages) increased by 16% against a 9% increase in 2021. Such data from TAdviser on February 2, 2023 were shared in the company "Debt Consultant" ("DoK"). As of January 1, 2023, the total portfolio of problem debt reached 1.017 trillion rubles, an increase of 139.5 billion rubles in 12 months. For 2021, the absolute increase was 71.9 billion rubles, thus, the annual increase in monetary terms almost doubled compared to 2021, analysts concluded.

"In all regions of the country over the year, there was a double-digit increase in the volume of problem debt, from 10% to 35%, with the exception of only two constituent entities of the Russian Federation - St. Petersburg and the Nizhny Novgorod region, but in them the pace is approaching double-digit, 8% and 9%, respectively," said Denis Aksyonov, General Director of the Debt Consultant collection agency. "If we take an absolute increase, then two-thirds of the country's regions - 49 of the 85 analyzed - increased their problem portfolios at once by more than 1 billion rubles each."

The share of overdue loans (the ratio of problem to total debt) for the year increased from 7% to 8%. At the same time, the annual increase of 139 billion rubles is comparable to the total retail debt in such regions as the Omsk region, Khabarovsk Territory or the Tula region. The total overdue debt of 1.017 trillion is equal to the retail portfolio of the entire Moscow region.

Problem overdue debt includes loans, payments on which ceased for more than 90 days. Retail (not mortgage) includes all types of retail lending - unsecured consumer cash, for the purchase of goods, car loans, credit cards, etc.

Details of the regional structure of overdue retail debt at the end of 2022 can be found in the full version of the table prepared by the "Debt Consultant."

The sale of overdue debts of individuals in Russia for the year increased by 60%

In 2022, 219 billion rubles of overdue bank debts were put up on specialized online squares in Russia, which is 60% higher than a year ago. This is evidenced by the data of the online auction for the sale of overdue debt Debex (Debex), which the Kommersant newspaper cites on January 11, 2023.

The volume of realized transactions with debts of individuals did not grow so significantly - by 9%, to 127.5 billion rubles. This was partly due to a decrease in the number of buyers and lower prices.

So, according to Debex, for most of 2022, the sale price of bank arrears was kept below 6% of the face value, while a year earlier it was about 10%. Only in December 2022, the indicator returned to 7%, that is, to the values ​ ​ of February-March.

Debex CEO Sasha Danilov says that in 2022 the supply from all segments increased, and the volume of investments fell, but by March 2023, purchasing activity in the segment will recover, since "banking and microfinance delays are an interesting investment."

In the microfinance segment, the sites significantly lost their share in 2022. This is due to the lack of competition for lots of part of MFIs, for many of them there is one buyer. In addition, this is due to the quality of the debts sold and the volume of investments. The auction in this case does not make sense, - explains Danilov.

According to Debex estimates, in 2022, 46.4 billion rubles of overdue MFO debt were put up at the sites. The share of closed transactions amounted to less than 50%. In the segment of banking delay, this indicator was kept at the level of 60%. In 2021, the share of successful transactions with MFI debts realized through sites was also significantly lower than with bank debts - 57% versus 84%.^[2]

8 million people cannot leave Russia due to debts

The number of Russians who do not have the right to leave the country due to accumulated debts reached 8 million people by the beginning of 2023.

This number is almost twice as much as it was last year: in December 2021, exit restrictions were in effect within the framework of 4.6 million enforcement proceedings.

In 2021 alone, Russians who did not travel abroad were forced to pay more than 55.5 billion rubles (these are mainly alimony, loans, housing and communal services debts, etc.).

Overdue bank debts in retail exceeded 1 trillion rubles in August

On August 31, 2022, the Dolgovoy Consultant company announced that the total overdue debt on retail loans (excluding mortgages) for the first time in history exceeded 1 trillion rubles. In January-July 2022, its growth rate doubled compared to the data for the year, from July 2021 to July 2022. The growth over six months, 79.5 billion rubles, exceeded the annual growth volume, 78.9 billion. Overdue mortgage debt by the beginning of August 2022 amounted to 4.8 billion rubles.

As of August 1, 2022, the volume of overdue retail debt (unserved loans for a period of more than 90 days) amounted to 1.023 trillion rubles, of which 4.8 billion are mortgage loans. Thus, the size of problem loans excluding mortgages (consumer unsecured loans, cash loans, car loans, credit cards) reached 1.018 trillion rubles. From January to July 2022, the volume of overdue debt increased by 79.5 billion rubles, or 8%. This is more than the cumulative increase for 12 months, from August 1, 2021 to August 1, 2022 - during this period its volume increased by 78.9 billion.

For seven months of 2022, no region of the country has a decrease in overdue retail debt, the growth range is from 3% in St. Petersburg to 20% in Crimea. A similar situation is observed in the context of 12 months, that is, we are talking about a steady increase in the volume of unpaid loans. If we translate the indicator into absolute figures, into a monetary equivalent, then the problem portfolio grew by more than 1 billion rubles in 29 out of 85 regions, that is, in more than a third of the constituent entities of the country, a significant rate of increase in problem debts is visible, and in line with traditional leaders, Moscow and the Moscow region, regions - from the Leningrad to the Irkutsk regions - turned out to be different both in number and in terms of the level of prosperity of residents. told Denis Aksyonov, General Director of the Debt Consultant collection agency

According to our estimate, at the end of the year, the increase may amount to 130-150 billion rubles, crossing the line of 1.1 trillion rubles, breaking the historical record of the existence of the banking system of the Russian Federation. Obviously, banks lack neither the time nor the tools to slow down the growth rate of default retail loans. noted Denis Aksyonov

2021

The number of malicious defaulters in Russia reached 1.6 million people

The number of malicious defaulters in Russia at the end of 2021 reached a historic maximum. During the specified period, the Federal Bailiff Service (FSSP) opened 8.6 million enforcement proceedings to recover debts from individuals in favor of banks. Such data were released in mid-February 2022.

In 2021, the total number of malicious defaulters increased by 1.6 million people. Earlier, in 2020, the courts opened cases against 7 million debtors, in 2019 - 5.8 million, in 2018 - 4.4 million, in 2017 - 3.2 million and further to decrease.

The FSSP told Izvestia that in 2021, 185.2 billion rubles were collected from individuals in favor of banks, and 142.8 billion in 2020. According to the service, most defaulters are registered in the Krasnodar Territory - 582 thousand people. Bashkiria (452 thousand), Krasnoyarsk Territory (390 thousand), Sverdlovsk (343 thousand) and Chelyabinsk regions (323.6 thousand) are also in the lead.

The total amount of penalties in 2021 reached 1.1 trillion rubles, which is 40 billion more than the bailiffs planned to recover a year earlier. The maximum growth of this indicator was observed in 2015 (+ 195 billion compared to the previous year) and in 2018 (+ 65 billion).

The number of stuck debtors is growing, Pavel Mikhmel, managing director of the First Collection Bureau (PKB), told the newspaper. According to him, the indicator of such debts put up for sale by banks has not dropped below 50% for the second year in a row, that is, at least half of the debtors went through the courts. The reasons are the effectiveness of the bailiffs and the growing awareness of citizens about bankruptcy procedures.

According to estimates of the Central Bank, as of the beginning of January 2022, the volume of overdue debt on loans to individuals reached 1 trillion rubles against 932 billion a year earlier.^[3]

Growth of overdue debt for 9 months by 7% to 11.6 thousand rubles

The size of the average overdue bank debt for each resident of the country of working age since the beginning of 2021 has grown by 7% or 760 rubles and exceeded 11.6 thousand rubles. Since January 2020, the figure has grown by a third, from 8.9 thousand rubles. Such conclusions were reached at the Debt Consultant collection agency. This became known on November 30, 2021.

The average overdue bank debt of each resident of the country of working age is calculated as the ratio of the population aged 16 to 55 for women and up to 60 years for men to the total amount of bank loans not serviced for more than 90 days.

The increase in overdue debt per worker indicates the difficult financial situation of a large number of Russian households. The number of families who, after paying payments on loans, do not have enough funds for the most necessary is increasing. One problem bank loan, according to our assessment, affects at least three people, so the average overdue debt is the potential loss of each resident of the country, "said Denis Aksyonov, general director of the Debt Consultant collection agency. - It is not the amount of debt that causes concern - 11.6 thousand rubles, but the fact that the figure for 1 year and 3 quarters increased by 30%. This is one of the signs that the part of the population that does not cope with the debt burden is growing.

Raising the retirement age from January 2020 conditionally increased the base of the working-age population by 0.3% or 260 thousand people in the country as a whole. At the same time, there was a sharp increase in total overdue retail debt to banks, since the beginning of the year by 7% or about 63 billion rubles. At the same time, the total population for the year decreased by 0.4% or 576 thousand people.

The maximum average amount of overdue debt per resident of the country of working age is 18 thousand rubles (Moscow region), the minimum is 1.9 thousand. (Sevastopol). The largest increase in the average amount of debt since the beginning of 2021 was recorded in Sevastopol (+ 38%), a reduction - in two regions of the country, the Republic of Buryatia (- 3%, up to 10.4 thousand rubles and the Novgorod region, - 3%, up to 10.1 thousand rubles).

Table 1. Top 15 regions for the largest dynamics of growth in the average amount of overdue debt for each able-bodied resident since the beginning of the year

Overdue debt on loans in Russia reached 1 trillion rubles

As of September 1, 2021, the volume of overdue loans of Russians reached 1.006 trillion rubles. Such statistics are provided by the Bank of Russia, which became known on September 23, 2021.

Over the month, problem debts increased slightly - by 10 billion rubles, or 1%, and since the beginning of the year - by 73 billion rubles (+ 7.9%).

Compared to 2020, the growth rate of the portfolio of "bad" debts for September 2021 is lower. In 2020, in January - August, the volume of delinquency increased by 151 billion rubles, or 19.8%.

The share of problem debts of the population in the retail portfolio of Russian banks is decreasing: as of September 1, it amounted to 4.3% (-0.4 pp since the beginning of the year), and the volume of loans to the population on the same date reached 23.6 trillion rubles.

The level of delinquency returned to pre-crisis values ​ ​ in June 2021, but experts largely attributed this to a noticeable increase in retail lending.

The slowdown in the growth of delinquency is associated with the exit of the Russian economy from the crisis and the resumption of economic growth. The actions of the regulator to cool the unsecured consumer loan market also played an undoubted role (from July 1, 2021, premiums to risk ratios have been increased), - said the head of the analytical department of the bank BKF Maxim Osadchy.

According to him, the main contribution to the growth of delinquency is provided by unsecured consumer credit. In the first half of this year, overdue debts on unsecured consumer loans increased by 113.4 billion rubles, while on mortgages - only by 30.6 billion rubles, the expert analyzed the statistics.

According to the Central Bank, the retail loan portfolio in rubles grew by 24% or 4.6 trillion rubles over the year, to 23.6 trillion rubles^[4] of September 1^[5].

Growth of average per capita overdue debt by 18%

The overdue debt of each Russian, regardless of his age, on bank loans excluding mortgages for the year increased by 18%, reaching 5.9 thousand rubles. This was announced on August 5, 2021 at the Dolgovoy Consultant collection agency. Analysts of the agency came to such conclusions after analyzing the statistical information of the Bank of Russia and Rosstat.

According to the Bank of Russia, the size of overdue bank loans as of July 1, 2021 on the balance sheets of credit institutions exceeded 862 billion rubles. According to Rosstat, the population of the Russian Federation at the beginning of 2021 amounted to 146.2 million people. Thus, the average per capita overdue debt of each resident of the Russian Federation to banks reached 5903 rubles, an increase of 900 rubles or 18% over the year.

"Banks attribute to overdue debt those loans for which payments have ceased for more than 90 days, but a credit institution can remove a problem debt from the balance sheet if it sells the rights to claim it to collectors or friendly organizations, which is an official method of combating overdue loans," explained, Denis Aksyonov General Director of the collection agency "Debt Consultant." "But even the existing statistical data(excluding non-banking organizations) tell us that residents countries have increased problem debts by an average of 18% over the year, and in a number of regions by all 35%."

According to Rosstat, the median average monthly salary in the Russian Federation at the end of 2020 amounted to 32.4 thousand rubles (the median - 50% receive below this level, 50% - higher).

"If you understand that a little less than half of the country's population (49%) is not able to work, since these are children and pensioners, then the ratio of per capita overdue debt and median salary takes on a different connotation: the load on one able-bodied in terms of average overdue debt doubles and reaches a third of the average wage," says Denis Aksyonov. - We know that credit holidays and restructuring made it possible to stop the problems of borrowers in the acute phase of the pandemic, but we see that some of those borrowers did not cope with the debt burden and the level of overdue debt increased and this is depressing. "

The full version of the table of leading regions in terms of the growth rate of overdue debt per capita population can be found at the link.

7.2 million people potentially travel abroad due to debts

The number of Russians who may face difficulties when trying to travel abroad due to accumulated debts by the end of July 2021 reached 7.2 million.

The first in Russia seizure of a single housing from a citizen for debts

In early July 2021, it became known about the first seizure of the only housing for debts in Russia. In Yekaterinburg, at the auction, they sold a two-level five-room apartment declared bankrupt Arkady Potorochin, who owed 21.4 million rubles. Read more here.

NAPKA: 5.4 million Russians have overdue loan obligations

As of February 2021, about 5.4 million Russians have overdue obligations to credit institutions in the unsecured lending segment, that is, every fifth. At the end of 2019, 5 million Russians had overdue obligations. Thus, over the year, the number of debtors increased by 8% against the traditional increase of 4-5%. This was announced on February 24, 2021 by the National Association of Professional Collection Agencies (NAPKA).

On average, the debtor accounts for about 1.2 loans. At the same time, about 80% of debtors in the work of collection agencies have 1 overdue debt, 15% - 2, 3.5% -3, 1.5% - more than 4 loans. A year earlier, respectively, 1 debt had 82%, 2- 13.5%, 3 - 3%, more than 4 - 1.5%. Thus, over the year, the number of debtors with 2 loans increased by 11%.

8 out of 10 debtors with arrears of more than 90 days manage to close obligations within 2 years after they begin to actively work with their arrears and after the restoration of income levels.

In 2020, the catalyst for the growth of all debt indicators was the pandemic and the subsequent self-isolation regime, which affected the level of unemployment and incomes of Russians. Almost every second borrower with an open unsecured loan was at risk. Of course, support measures have avoided real mass defaults. However, those who could not cope with the debt burden and did not fit the requirements of the credit holidays will need at least 6-7 months to resume payments.

In 2020, due to a decrease in income, the ratio of spending in the budgets of households burdened with overdue loans has also changed - most of them spend on average 90%, and only the remaining 10% can be used to repay loan obligations. Previously, the ratio was 80-/20 +.

Also, the level of default risk is directly related to the number of loans issued. When servicing 1 loan, delay occurs in 10% of cases, 2 loans - already 15%, 3 loans - almost 30%, 4 - more than 50%.

2020

The volume of restructured debt on credit cards reached 80-85 billion rubles

In Russia, a wave of non-payment on credit cards is growing, which is largely due to huge rates on them (for 20%) and hidden conditions of banks.

The share of credit cards among restructured debts of Russians increased from 1% to 12% in August 2020. The volume of restructured debt on credit cards reached 80-85 billion rubles.

Raiffeisen Bank: The volume of dubious, problem and bad loans in Russia reached 8.5 trillion rubles

The volume of dubious, problem and bad loans in the banking system Russia reached 8.5 trillion. rubles Such data leads Raiffeisen Bank to the beginning of July 2020.

Of the total array of problem assets, banks covered only a little more than half - 4.9 trillion rubles with formed reserves for possible losses.

Thus, potentially default loans of 3.6 trillion rubles remain without coverage. At the same time, the capital reserve in the banking system as of May 1, 2020 was 4.2 trillion rubles - by so much the banks' own funds exceeded the minimum permissible level (8% for ordinary banks and 10% for system-forming ones).

In other words, a full reservation of distressed assets can leave the banking system practically without an "airbag." Moreover, when creating reserves in full, the sufficiency indicator for some backbone banks would fall below the minimum permissible level.

To prevent this from happening, the Central Bank introduced regulatory relaxations: banks are allowed not to recognize the deterioration in the credit quality of borrowers if it occurred as a result of COVID-19, and not to create reserves for such loans.

The scale of the realized credit risk is evidenced by data based on form 0409115, which are still available only in March, analysts of the bank indicate: the volume of non-standard, dubious, problem and bad loans jumped by 1.48 trillion rubles. At the same time, for assets worth 370 billion rubles, "a refund has a probability close to zero."

A quarter of Russians cannot pay off loan arrears on time

On March 5, 2020, it became known that about a quarter of Russian residents cannot pay off the loan debt on time, said Elman Mehdiyev, president of the National Association of Professional Collection Agencies (NAPKA).

According to E. Mehtiev, as of March 2020 Russia , there are 7 million loans worth more than a trillion in the work of collectors as a whole. rubles At the same time banks , collection agencies are annually attracted to work with 4 million loans, the total volume of which exceeds 400 billion rubles^[6]

2019

Share of clients with overdue debts in the segment of unsecured consumer lending - 17%

On March 16, 2020, NAPKA reported that the number of bank borrowers with an unsecured consumer loan is about 28-30 million people, which is slightly less than half of the economically active population.

At the same time, 5 million bank clients in the segment of unsecured consumer lending have overdue debts. The annual increase in the number of debtors varies from 3-5% depending on the segment and year.

SRO "NAPKA" analyzed the profile of persons with overdue debts for a period of more than 90 days, and amounted to the average portrait of the debtor. He looks like this: a married man or woman in his 40s with a secondary or college degree. 93% of them are employed in the field, constructions, and in the finance trade service sector. Their average debt does not exceed 133 thousand. rubles

The number of debtors by gender is equally proportional - 50% falls on men, 50% on women. In 2018 - this ratio was at the level of 48 %/52%, in 2017 - 47 %/53%. Thus, over 3 years, male debtors increased by 700 thousand.

The minimum share of male debtors was recorded in Baikonur and the Republic of Tuva, the minimum share of female debtors - Sevastopol, Crimea and Moscow. The average age of debtors is about 40-41 years, at the time of the loan, their age did not exceed 35-37 years.

Among male debtors with overdue debts, the largest share falls on the age of 25-30 years - 23% and 41-50 years - 20%. Among women, the largest number of debtors in the 41-50 category is 22%. The researchers drew attention to the significant gap between men and women in the 60 + segment, which is associated not with the worst payment discipline among older women, but to a greater extent with the fact that women live longer than men, as a result, they are more active in obtaining credit funds.

At the same time, the share of men in the age category 25-30 years is 5 percentage points. higher. As a rule, at this age, men are not yet burdened with the bonds of marriage and slopes to spontaneous purchases that are higher than their income - expensive gadgets, the latest models, and phones cars so on. Closer to the age of 40, the proportion of men and women is leveling off.

Over the past 3 years, the number of debtors under the age of 24 has increased 2 times, if in 2017 they accounted for only 3%, in 2018 - about 5%, then as of March 2020, almost 8%. This is due to the fact that after the crisis, banks began to look for new customers and audiences - young people became the most promising. However, it is important to understand that at this age, not everyone has a permanent income. In addition, the rate of banks on parents, in the event of a delay, it was they who had to repay the obligations, in some cases did not materialize.

The average amount of debt of the average debtor for unsecured lending is at the level of 130 thousand rubles, over the year this figure decreased by 3%, compared to 2017, it decreased by 9%.

The average amount of debt per debtor's 1, thousand rubles. by regions of the Russian Federation:

1. Tyumen region 199 659
2. Moscow 189,187
3. St. Petersburg 180 138
4. Chelyabinsk region 179 044
5. Moscow region 178 300
6. Nizhny Novgorod region 176 768
7. Samara region 168 405

# Sverdlovsk region 167 620

1. Novosibirsk region 167 261
2. Krasnodar Territory 165 666
3. Rostov region 157,784
4. Omsk region 156 355
5. Novgorod region 152 729
6. Republic of Bashkortostan 152 508
7. Saratov region 149,866
8. Volgograd region 149,689
9. Voronezh region 149 668
10. Tver region 148 301
11. Krasnoyarsk Territory 147,579
12. Republic Altai 145,471
13. Irkutsk region 145 113
14. Kemerovo region 144 884
15. Kaluga region 144 693
16. Perm Territory 144,681
17. Vladimir region 144 232
18. Republic Of Tatarstan (Tatarstan) 143,474
19. Magadan region 143,151
20. Tula region 142 680
21. Udmurt Republic 142 637
22. Smolensk region 141 781
23. Yaroslavl region 141 664
24. Leningrad region 141 364
25. Ivanovo region 141 203
26. Primorsky Krai 140 217
27. Stavropol Territory 136,515
28. Khanty-Mansiysk Autonomous Okrug - Yugra 134 643
29. Penza region 133 084
30. Lipetsk region 131 066
31. Kostroma region 130 604
32. Astrakhan region 130 352
33. Tomsk region 130 263
34. Khabarovsk Territory 128 939
35. Bryansk region 126 474
36. g. Baikonur 126 361
37. Kaliningrad region 125 342
38. Republic of Buryatia 124,999
39. Orenburg region 124 831
40. Kurgan region 124 544
41. Belgorod region 122 793
42. Republic of Sakha (Yakutia) 122 602
43. Vologda Oblast 121 655
44. Oryol region 121 181
45. Komi Republic 120,274
46. Ryazan region 120 084
47. Murmansk region 119,969
48. Tambov region 119 929
49. Republic of Kalmykia 119 707
50. Kursk region 118 742
51. Amur region 118 404
52. Arkhangelsk region 118 320
53. Republic of Mordovia 118 092
54. Kabardino-Balkar Republic 117,799
55. Republic of Karelia 117 296
56. Chuvash Republic - Chuvashia 117 174
57. Ulyanovsk region 116 673
58. Republic of North Ossetia - Alania 115,352
59. Republic of Adygea (Adygea) 112 070
60. Trans-Baikal Territory 111 966
61. Yamal-Nenets Autonomous Okrug 110,518
62. Nenets Autonomous Okrug 110 360
63. Kirov region 109 154
64. Pskov region 102 360
65. Republic of Mari El 100 878
66. Karachay-Cherkess Republic 100,734
67. Republic of Ingushetia 100 016
68. Republic of Dagestan 98 321
69. Republic of Khakassia 97 133
70. Kamchatka Territory 92 722
71. Republic of Crimea 92 191
72. Jewish Autonomous Region 91 985
73. Chukotka Autonomous Okrug 76,684
74. Republic of Tuva 73,260
75. Chechen Republic 73,094
76. Sevastopol 23 652

Men historically have 15-20 thousand more debt on average than women. Women are more inclined to introduce a family budget and when applying for a loan, they try, unlike men, to take exactly the required amount "without stock," understanding all the responsibility that follows the signing of the contract. Thus, the average unsecured debt of a man to the bank is about 140 thousand. rubles, women - 119 thousand rubles.

The minimum amount of overdue debt was recorded in Sevastopol - no more than 23 thousand rubles, the maximum - in Moscow - 188 thousand rubles.

Regions with the minimum amount of delay per debtor:

Regions with the maximum amount of delay per debtor:

The largest number of debtors lives in the Central and Volga Federal Districts - 1.8 million debtors in each of these federal districts.

The largest number of debtors was formed in the segment of cash loans - 49%, followed by credit cards - 28%, POS loans - 23%.

The average amount of overdue debt of Russians is 9848 rubles

The amount of overdue credit debt of each resident of the country of working age reached 9848 rubles. Analysts of the Debt Consultant collection agency came to such data^[7] of^[8].

The leading regions in terms of overdue debt per resident of working age were the Moscow region (14,332 rubles), the Republic of Tuva (14,075 rubles) and the Kaliningrad region (13,632 rubles). In terms of the growth rate of overdue debt per resident, Sevastopol (+ 73.5%), Kaliningrad region (+ 30.4%) and the Chechen Republic (+ 17.8%) became.

Overdue debt includes loans for which borrowers do not pay for more than 90 days. For such loans, banks are obliged to create reserves in accounts with the Central Bank up to 100% of the size of the loan issued, which leads to a sharp reduction in the bank's profit and equity. Therefore, credit institutions are trying to assign problem loans to third-party organizations, including potentially "problem" loans, for which there is a delay of even one day.

2017

Russians wrote off bad debts by 2.2 trillion rubles

According to the results of 2017, bailiffs wrote off bad debts of Russian residents totaling 2.2 trillion rubles. The increase in the volume of debts written off by the Federal Bailiff Service (FSSP) is associated with an increase in lending and a drop in real incomes of citizens in 2017. According to the Bank of Russia, retail lending in 2017 grew by 13% - to 12 trillion rubles, while real disposable cash incomes of the population last year fell by 1.7%, according to Rosstat data, Russians ^[9].

According to the National Bankruptcy Center (NCB), the average amount of bad debt in 2017 increased by 34% - to 1.7 million rubles. At the same time, the United Credit Bureau noted that as of March 1, 2018, the number of potentially insolvent borrowers reached 702.8 thousand.

7.2 million people do not pay on loans for more than 90 days

Analysts at the United Credit Bureau (OKB) estimated the number of Russian citizens who have long-term difficulties making payments on their loans based on data on 47 million borrowers with open loans, information about which is stored in the bureau.

As of 01.07.2017, the number of citizens who did not make payments on loans for 90 or more days reached 7.20 million people, or 15.3% of the total number of borrowers with open loans. A year ago, their share was 15.8% of the total number of borrowers with open accounts or 7.16 million people.

The total overdue debt of these citizens to creditors (taking into account fines and penalties) reached 1.43 trillion rubles. On average, each borrower with a delay of 90 or more days owes the bank 199 thousand rubles.

The largest share of such borrowers was noted in Karachay-Cherkessia (25.5% or 32.3 thousand people), Tuva (25.2% or 25.9 thousand people), Kabardino-Balkaria (25.1% or 50.1 thousand people), Buryatia (23.8% or 84.6 thousand people) and Khakassia (22.1% or 41.1 thousand people).

The smallest share of citizens with delays of 90 + is noted in Moscow (7.9% or 348.7 thousand people), Nenets Autonomous Okrug (9.5% or 1.3 thousand people), Chukotka Autonomous Okrug (9.6% or 1.0 thousand people), in St. Petersburg (10.1% or 206.7 thousand people) and Chuvashia (10.5% or 35.6 thousand people).

The largest amounts of debt from borrowers in Moscow (460 thousand rubles), Ingushetia (457 thousand rubles), Moscow region (355 thousand rubles), Khanty-Mansi Autonomous Okrug (355 thousand rubles) and St. Petersburg (296 thousand rubles).

The least owed to banks are debtors living in Sevastopol (29 thousand rubles), Rep. Altai (89 thousand rubles), Chechen Rep. (105 thousand rubles), Tuve (114 thousand rubles) and Khakassia (116 thousand rubles).

Access to re-lending in banks from such borrowers is very limited. According to the OKB, only 3% of borrowers who received a new loan in 2017, if there were previously open obligations, had an outstanding delay of 90 +.

6.8 million debtors potentially restricted to travel abroad

In accordance with the federal law "On the procedure for leaving the Russian Federation and entering the Russian Federation," citizens who do not fulfill the obligations imposed on them by the court will be stopped at the border. In other words, those who have more than 30 thousand rubles in debt on bank loans, MFO loans, payment for housing and communal services, taxes, fines and alimony. Recall that from October 1, 2017, the threshold for the "travel abroad" was raised from 10 thousand to 30 thousand rubles. It should be noted that of the 2.7 million debtors who issued decisions on temporary restrictions on travel abroad, bank debts account for about 40%, MFIs - no more than 1%.

Going to court for the creditor is the last measure of influence on the debtor and it is applied if the rest of the collection methods turned out to be ineffective. Today in Russia there are just over 9 million borrowers (banks and MFIs) with overdue debts of more than 90 days. Of these, 75% of the debt exceeds 30 thousand rubles established by law, that is, 6.8 million people or about 8-9% of the economically active population are at risk.

More than 7 million debtors for all types of loans potentially travel abroad

In accordance with the federal law "On the procedure for leaving the Russian Federation and entering the Russian Federation," citizens who do not fulfill the obligations imposed on them by the court will be stopped at the border. In other words, those who have more than 10 thousand rubles in debt on bank loans, MFO loans, payment for housing and communal services, taxes, fines and alimony. According to analysts of the Home Money company, only at the beginning of May 2017 more than 2 million people (for all types of debt obligations) will not be able to travel abroad. Recall that for the same period last year, this figure was about 1.2 million decisions.

The most malicious defaulters are citizens with alimony debts, they make up 20% of all non-traveling debtors and bank customers - 40%, as well as those who did not pay taxes or fines to the traffic police (10%). Non-payers for housing and communal services - 5%, and the share of MFI borrowers is only 1.5% in the total number of non-travel debtors.

Going to court for the creditor is the last measure of influence on the debtor and it is applied if the rest of the collection methods turned out to be ineffective. Today in Russia there are about 9.5 million borrowers (banks and MFIs) who have overdue debts for more than 90 days. Of these, 80% of the debt exceeds 10 thousand rubles established by law, that is, 7.6 million people or about 9% of the economically active population are at risk. Over the year, this indicator increased by 45%, to a greater extent due to the growth of bank debtors.

As practice shows, a malicious defaulter of MFIs is a socially active person who has a job, a stable income, and education. Often, already at the stage of obtaining a loan, he decides not to pay the loan. At the same time, at the time of the delay, the borrower has a job and stable earnings. The share of such debtors, or fraudsters, able to pay the debt, but avoiding financial responsibility, reaches 49% of all default borrowers. At the same time, the share of people really experiencing difficulties, that is, low-income - 28%, unemployed -15%.

2016

The volume of loans overdue from 1 day increased by 13% to 1.3 trillion rubles

The amount of debt overdue from 1 day increased by 13% in 2016: from 1.15 to 1.30 trillion rubles. and amounted to 13.8% of the total loan debt of citizens. In 2015, the growth rate of this indicator was 49%. The volume of "bad" debts with late payments for more than 90 days for the year also increased by 13%: from 1.11 to 1.26 trillion rubles. and amounted to 13.4% of loan debt. In 2015, the growth rate of "bad" debts was 51%^[10]

The highest annual growth rates of overdue debt are observed in Kalmykia (+ 108%), Jewish Autonomous Region (+ 47%), Mari El (+ 42%), Khakassia (+ 31%), Trans-Baikal Territory (+ 27%), Vologda Region. (+ 26%), Rep. Sakha (+ 23%), Tyumen region. (+ 22%), Chechen Rep. (+ 21%) and Adygea (+ 21%). Growth rates exceeding the average were recorded in 41 regions.

Negative growth rates were recorded in Karachay-Cherkessia (-4.5%), Ingushetia (-2.5%) and Dagestan (-2%). Also, extremely moderate rates were noted in North Ossetia (+ 0.4%), Kabardino-Balkaria, Tuva, Sakhalin and Kurgan regions. (+ 5% each), Chelyabinsk and Oryol regions. (+ 8% each).

The highest indicators of the share of overdue debt from the total loan debt of the population to credit institutions were noted in Ingushetia - 53.2% (2.7 billion rubles), Karachay-Cherkessia - 27.6% (5.5 billion rubles), Kalmykia - 23.8% (4.6 billion rubles), Kabardino-Balkaria - 23.1% (6.9 billion rubles) and Adygea - 20.6% (4.1 billion rubles), Krasnodar Territory - 19.6% (55.8 billion rubles), Astrakhan region. - 19.3% (10.5 billion rubles), Kaliningrad region. - 19.0% (8.2 billion rubles), Rostov region. - 18.4% (35.9 billion rubles) and the Kemerovo region. - 18.2% (27.2 billion rubles). In total, the share of overdue debt exceeding 13.8% was recorded in 39 Russian regions.

The lowest values ​ ​ are noted in the Magadan region. - 5.9% (1.2 billion rubles), Rep. Sakha (Yakutia) - 6.9% (7.2 billion rubles), Kamchatka Territory - 7.2% (1.8 billion rubles), Sakhalin Region - 8.4% (2.7 billion rubles), Komi - 8.4% (6.0 billion rubles), Chechen Rep. - 8.5% (1.4 billion rubles), Arkhangelsk region. - 9.2% (7.1 billion rubles), Amur region. - 9.7% (5.5 billion rubles), Chuvashia - 9.7% (4.7 billion rubles) and Kaluga region. - 10.5% (6.5 billion rubles).

Cash loans

The amount of overdue debt on cash loans of the year increased by 15%: from 708.6 to 813.8 billion rubles, amounting to 19.5% of the loan debt for this type of loans.

The largest annual growth rates of overdue debt on cash loans are observed in Kalmykia (+ 63%), Mari El (+ 38%), Jewish Autonomous Okrug (+ 32%), Khakassia (+ 28%), Trans-Baikal Territory (+ 24%), Vologda region. (+ 22%), Murmansk and Kostroma regions. (+ 21% each), as well as in the Khabarovsk Territory and Chechnya (+ 20%).

A decrease in overdue debt was recorded in Karachay-Cherkessia (-7%), Dagestan (-5%), Ingushetia (-3%) and North Ossetia (-2%). Low growth rates were also noted in Kabardino-Balkaria (+ 5%), Kurgan region. (+ 5%), Sakhalin region. (+ 6%), Perm Territory (+ 6%) and in the Chelyabinsk region. and Tuva (+ 7% each).

The highest indicators of the share of overdue debt in the amount of loan debt on cash loans were recorded in Ingushetia - 59.7% (2.6 billion rubles), Karachay-Cherkessia - 32.4% (4.2 billion rubles), Kalmykia - 31.7% (3.6 billion rubles), Kabardino-Balkaria - 27.9% (5.4 billion rubles) and Mari El - 25.4% (2.8 billion rubles), Ivanovo region - 24.7% (5.1 billion rubles), Adygea - 24.5% (2.9 billion rubles), Novosibirsk region. - 24.3% (19.9 billion rubles), Vladimir region. - 24.2% (6.5 billion rubles) and Astrakhan region. - 24.1% (7.7 billion rubles).

The lowest indicators in Chechnya are 8.5% (1.1 billion rubles), Magadan region - 9.1% (897 million rubles), Kamchatka Territory - 9.9% (1.2 billion rubles), Sakhalin region - 11.9% (1.9 billion rubles), Rep. Sakha - 12.6% (5.5 billion rubles), Rep. Komi - 12.7% (4.0 billion rubles), Amur region - 13.7% (3.8 billion rubles), Rep. Altai - 13.8% (910 million rubles), Kirov region. - 13.9% (4.0 billion rubles) and Murmansk region. - 14.2% (3.90 billion rubles).

Credit cards

The amount of overdue credit card debt in 2016 decreased by 3%: from 241.88 to 234.22 billion rubles (the lowest value since November 2015), amounting to 24.6% of the total loan debt on cards.

The largest annual growth rates of overdue card debt are observed in the Jewish Autonomous Region (+ 21%), Vologda Region (+ 11%), Bashkortostan (+ 10%), Kemerovo Region (+ 10%), Samara Region (+ 8%), Trans-Baikal Territory (+ 8%), Penza Region (+ 8%), Kaluga Region (+ 7%), Karelia (+ 7%) and Rep. Sakha (+ 7%).

The most significant decrease was noted in Chechnya (-11%), Tuva (-8%), Kalmykia and Ingushetia (-7% each), Chuvashia (-6%), Smolensk and Lipetsk regions. (-5% each), Oryol region. (-4%), in Dagestan and Tomsk region. (-3% each).

The highest share of overdue credit card debt is noted in Karachay-Cherkessia - 43.6% (1.1 billion rubles), Bashkortostan - 38.6% (10.4 billion rubles), Kabardino-Balkaria - 36.9% (1.2 billion rubles), Tuve - 35.7% (646.3 million rubles), Kalmykia - 35.7% (700.7 million rubles), Buryatia - 33.8% (1.9 billion rubles), Khakassia - 33.5% (612.6 million rubles), Adygea - 33.3% (774.4 million rubles), Chechen Rep. - 33.2% (144.6 million rubles) and in the Kirov region - 33.0% (2.0 billion rubles).

The lowest share of overdue debt in the total amount of loan debt on cards was noted in Dagestan - 11.9% (317.4 million rubles), Magadan region. - 15.9% (216 million rubles), Sakhalin region. - 16.8% (658.4 million rubles), Moscow and Moscow region. - 16.8% (46.9 billion rubles), Kamchatka Territory - 17.9% (392.6 million rubles), Rep. Sakha - 19.5% (1.0 billion rubles), Murmansk region - 19.6% (1.5 billion rubles), St. Petersburg and Leningrad region - 19.7% (15.0 billion rubles), Arkhangelsk region - 20.1% (1.5 billion rubles) and Kaluga region - 21.3% (1.2 billion rubles).

Car loans

The volume of overdue debt on car loans increased by almost 25%: from 67.95 to 84.62 billion rubles, amounting to 17.2% of the loan debt for this type of loans.

The highest annual growth rates of overdue debt on car loans are observed in Ingushetia (+ 77%), Rep. Altai (+ 69%), Adygea (+ 57%), Kalmykia and Chechen Rep. (+ 56% each), Kabardino-Balkaria (+ 56%), Orenburg region (+ 53%), Khakassia (+ 46%), Vologda region (+ 44%), Chuvashia and St. Petersburg, and Leningrad region (+ 38% each).

A decrease in overdue debt was noted in the Tver region. (-12%), Kamchatka Territory (-8%) and Kursk region. (-2%). The decline was noted only in the Amur region (-1%). Also, extremely moderate growth rates are observed in Buryatia (+ 4%), Mari El (+ 5%), Khabarovsk Territory (+ 6%) and Kostroma region. (+ 6%).

The highest share of overdue debt on car loans is noted in the Kaliningrad region. - 30.8% (966 million rubles), Novosibirsk region - 27.6% (1.7 billion rubles), Buryatia - 27.3% (206.4 million rubles), Vladimir region - 26.0% (1 billion rubles), Kemerovo region - 25.1% (1.3 billion rubles), Tomsk region = 24.4% (404.3 million rubles), Ivanovo region - 24.2% (716.7 million rubles), Astrakhan region - 23.3% (614.4 million rubles), Voronezh region - 22.3% (1.5 billion rubles), Vologda region - 21.9% (778.6 million rubles) and Krasnodar Territory - 21.6% (5.1 billion rubles).

The lowest share of overdue debt in the total loan debt on car loans was noted in Kabardino-Balkaria - 8.7% (42.4 million rubles), Chechen Rep. - 8.8% (52.9 million rubles), Amur region - 9.0% (33.2 million rubles), North Ossetia - 9.3% (25.5 million rubles), Tambov region. - 9.4% (254.8 million rubles), Kirov region - 9.5% (335.7 million rubles), Murmansk region - 10.0% (188.0 million rubles), Khabarovsk Territory - 10.2% (104.4 million rubles), Chuvashia - 10.4% (299.7 million rubles) and Khakassia - 10.7% (85.7 million rubles).

Mortgage

The volume of overdue mortgage debt increased by 14% over the year: from 108.9 to 124.4 billion rubles. and amounted to 4.2% of the total loan debt on ruble mortgages. For more details see Mortgage in Russia

A million Russians will not be able to leave Russia due to debts

About a million Russians will not be able to leave Russia due to debts, they are temporarily prohibited from leaving. This was told by the head of the Federal Bailiff Service (FSSP) Artur Parfenchikov on his Twitter^[11] of ^[12]

"In the first half of 2016, bailiffs issued 961.7 thousand decisions on restrictions on the departure of debtors outside Russia, which is 336 thousand more than in the same period last year," Parfenchikov wrote.

According to the head of the FSSP, in the first half of 2016, 197.5 thousand arrests of debtors' property were made, which is 30 thousand more than in the same period last year.

According to the chief bailiff of Russia, 14.4 million enforcement proceedings were executed (an increase of 28.4%), the amount recovered increased by 50.5 billion rubles.

At the same time, it was previously reported that about 2 million Russians will not be able to leave Russia due to debts.

Growth of overdue debt in January by 2.1%

According to the Central Bank of the Russian Federation, the volume of overdue debts on the retail portfolio (consumer loans, mortgages, car loans, credit card debts) in January 2016 increased by 2.1%. The share of overdue individuals in the total loan portfolio reached 8.3%, according to data from the Central Bank. Overdue debt on the corporate portfolio increased in January and by 12.1% at all. The share of overdue loans to businesses rose over the month from 6.2 to 6.8%.

In Sberbank, the share of overdue debt in January remained at 3.3%. At the same time, loans to legal entities - unchanged at 3.1%, and loans to individuals grew from 3.8 to 4.0%, explained to Gazeta.Ru in this credit institution ^[13]].

2015: Consumer loan delinquency rises to 17.8%

At the end of 2015, delinquency on loans for the purchase of consumer goods amounted to 17.8% (an increase of 7.5 percentage points), and on credit cards reached 19.3% (an increase of 5.7 percentage points) (data from the National Bureau of Credit Histories (NBCH)).

The dynamics of overdue debt in secured lending was less significant: in mortgages, KP amounted to 4.0% (an increase of 0.9 pp), and in car loans - 8.6% (an increase of 1.8 pp).

2013: Growth of overdue loans of Russians by 35% to 422.5 billion rubles

The growth in the number of overdue loans of Russians for the period from January to September 2013 amounted to 35 percent, according to a review by the Central Bank. The cost of overdue loans reached 422.5 billion rubles. At the beginning of 2013, the volume of overdue loans reached 291 billion rubles.

Notes