Banks were more likely to approve loans to citizens


Starting in 2016, the level of banks approved loan applications from citizens increased by 0.2 percentage points and amounted to 1 may to 9.4% (the rate is calculated as the ratio of the number of NCB received a report on loans to the number of requests of banks to the Bureau for information on loan applications of citizens). In 2014, when the retail lending market began to stagnate, this figure was 9.5%.

The level of approval of applications varies from region to region. For example, in the Chechen Republic and the republics of Ingushetia and Dagestan, the Bank lent every fifth customer. Especially noticeable is the share of approved loans has increased this year in Ingushetia — from 12.3% to 17.9%.

The hardest to take the credit in Khabarovsk and TRANS-Baikal regions (6.9% and 7.2% respectively). In Moscow, the standard endorsed by banks of loan applications is less than in Russia as a whole — only 9.1%. In comparison with 2014, the banks have less to lend to Muscovites: the level of approval there fell by 1.1 percentage points

“The appetite for risk in the retail lending of Russian banks remains low,” says General Director nbki Alexander Vikulin. He notes that in some cases, lenders are tightening requirements to the quality of the credit history of potential borrowers. “We are talking in particular about the careful attitude to the presence of arrears,” he explained.

The problem with growing arrears remains one of the main factors constraining the growth of retail lending. In January-may of 2016, the volume of “bad loans” in Bank portfolios, according to the Central Bank, rose by 5% to 906,5 billion rubles, while the portfolio of loans to natural persons decreased over the same period by 1% to 10.56 trillion.

The fastest rising delinquency in consumer lending and car loans. According to NBCH, on June 1, 2016 allowance for consumer loans amounted to 18.6% of total outstanding loans in this category, an increase from the beginning of the year, down 1.6 percentage points, the share of “bad loans” increased from the beginning of the year by 0.2 percentage points to 8.5%.

Share of overdue loans in the lead of the Republic of Tyva and Altai, and also the Chechen Republic. The most disciplined borrowers who bought a car on credit, live on Kamchatka and in the Magadan region. For consumer loans, the highest percentage of delay — nearly 40% — in Karachay-Cherkessia.

Major risk factors growth delay remains the same: inflation and reduction in real incomes of the population believes Vikulov.

Delay on mortgage loans, according to the NCB on 1 June 2016, was 4.1%, having increased from the beginning of the year by 0.2 percentage points While, according to data of the Central Bank, for five months of 2016, banks almost one and a half times increased the volume of mortgage loans compared to the same pericom 2015 (549,8 billion RUB compared to 371,3 billion.

The study NBCH notes that the highest rates of arrears on the mortgage show the Republic of Dagestan (11.9 per cent), the Republic of Karachay-Cherkessia (10,2%), Kaliningrad oblast (9,3%), Altai Republic (8.6 per cent).

Delinquency on credit cards since the beginning of the year decreased from 18.2 to 12.3%. The lower the share of overdue debt on the cards is in Moscow is 5.8%., most of the Astrakhan region — 28%.

Indicators of NCB at odds with those of the company “Sequoia”, according to which the level of delinquency on credit cards has continued to increase since the beginning of the year it grew by 14.2% and reached 27.9% of the total debts of individuals In several regions, including the Republic of Bashkortostan, Kaluga, Karelia, Kirov oblast, Kostroma oblast, Krasnodar Krai Moscow and Moscow oblast, Novosibirsk oblast, Ryazan oblast, Saint Petersburg and Leningrad oblast, Yaroslavl oblast the growth delay exceeded 20-25%.

The number of non-performing loans on Bank cards, according to the “Redwoods” is 5.5 million vs. 4.8 million “problem cards” in 2015. According to the President, “Sequoia credit consolidation” Elena Dokuchaeva, in 2010, when banks actively increased their loan portfolios, credit cards often have an additional bonus to each new account, and this has led to growth delay. “Against the background of macroeconomic difficulties acreditando the population has been unable to service their debts,” she said.