Information on Household Lending Risks

Individual Indicators for Homogeneous Claims and Household Loans by Portfolio

	Loans			Actual LLP for loans					Claims on interest income			Actual LLP for claims on interest income
	Total (millions of rubles)	Over-due loans in excess of 90 days (millions of rubles)	Over-due loans in excess of 90 days in total loans, %	Total (millions of rubles)	LLP as % of total loans	For overdue loans in excess of 90 days (mil-lions of rubles)	LLP for overdue loans in excess of 90 days as % of relevant loans	LLP for overdue loans in excess of 90 days in total LLP, %	Total (millions of rubles)	For homo-geneous claims and loans with provisions in excess of 20%	Homogene-ous claims and loans with provi-sions in excess of 20% in total claims, %	Total (mil-lions of rubles)	LLP as % of total claims on interest income	For claims and loans with provi-sions in excess of 20% (mil-lions of rubles)	LLP for claims and loans with provi-sions in excess of 20% as % of relevant claims	LLP for claims and loans with provi-sions in excess of 20% in total LLP, %
1.01.16	10,278,829	1,084,298	10.5	1,138,574	11.1	945,426	87.2	83.0	184,087	90,836	49.3	80,890	43.9	77,398	85.2	95.7
1.02.16	10,227,893	1,097,201	10.7	1,166,501	11.4	962,615	87.7	82.5	192,534	92,074	47.8	83,132	43.2	79,031	85.8	95.1
1.03.16	10,223,052	1,117,255	10.9	1,184,130	11.6	984,647	88.1	83.2	183,788	92,836	50.5	84,197	45.8	80,301	86.5	95.4
1.04.16	10,196,867	1,103,602	10.8	1,169,614	11.5	974,132	88.3	83.3	189,960	91,813	48.3	83,717	44.1	79,931	87.1	95.5
1.05.16	10,196,125	1,100,420	10.8	1,164,814	11.4	973,861	88.5	83.6	184,557	88,737	48.1	81,057	43.9	77,222	87.0	95.3
1.06.16	10,207,654	1,101,973	10.8	1,171,793	11.5	980,320	89.0	83.7	186,119	89,841	48.3	82,208	44.2	78,150	87.0	95.1
1.07.16	10,217,100	1,083,827	10.6	1,158,632	11.3	967,736	89.3	83.5	183,333	89,751	49.0	83,381	45.5	79,229	88.3	95.0
1.08.16	10,257,247	1,085,749	10.6	1,166,166	11.4	974,672	89.8	83.6	191,763	90,384	47.1	84,160	43.9	80,201	88.7	95.3
1.09.16	10,330,100	1,084,139	10.5	1,167,538	11.3	975,663	90.0	83.6	187,923	89,330	47.5	84,093	44.7	79,516	89.0	94.6
1.10.16	10,361,441	1,066,569	10.3	1,152,794	11.1	962,060	90.2	83.5	184,332	89,238	48.4	84,294	45.7	79,824	89.5	94.7
1.11.16	10,386,690	1,037,489	10.0	1,125,750	10.8	935,444	90.2	83.1	186,421	88,249	47.3	83,152	44.6	78,743	89.2	94.7
1.12.16	10,445,815	1,014,010	9.7	1,106,649	10.6	916,088	90.3	82.8	181,427	86,342	47.6	81,388	44.9	77,519	89.8	95.2
1.01.17	10,494,118	977,559	9.3	1,072,739	10.2	885,889	90.6	82.6	179,960	81,236	45.1	76,622	42.6	72,844	89.7	95.1

Note:
— LLP stands for loan loss provisions.
— According to Form 0409115 ‘Information on the Quality of Assets of a Credit Institution’.
— The table does not include information about the quality of household loans assessed for the purpose of making LLP on an individual basis.

Household Loans Due in the Reporting Period, Including Overdue Loans

Millions of rubles

	January 2016	February 2016	March 2016	April 2016	May 2016	June 2016	July 2016	August 2016	September 2016	October 2016	November 2016	December 2016
1. Total household loans due in the reporting period, including:	235,749	259,511	260,340	230,503	243,148	237,326	230,766	240,763	231,905	234,184	210,682	217,639
1.1. Housing loans (except mortgage loans)	6,070	6,706	6,995	6,483	6,773	6,508	6,247	6,509	6,267	7,103	4,817	4,709
1.2. Housing mortgage loans	18,390	22,638	23,037	21,402	22,941	20,662	20,370	22,479	21,400	22,571	19,324	20,352
1.3. Car loans	25,465	28,607	26,933	23,816	24,383	23,190	23,231	23,206	21,738	21,857	20,289	19,419
1.4. Other consumer loans	185,823	201,561	203,376	178,802	189,050	186,965	180,917	188,569	182,500	182,653	166,252	173,160
2. Of which: total household loans overdue in the reporting period, including:	37,179	38,571	38,930	30,348	37,036	34,955	35,498	34,938	30,841	30,334	29,520	26,577
2.1. Housing loans (except mortgage loans)	315	295	316	270	301	341	411	338	312	274	246	296
2.2. Housing mortgage loans	1,912	2,024	2,700	2,678	2,469	2,211	1,969	2,314	2,083	2,097	2,306	2,589
2.3. Car loans	3,283	3,625	2,966	2,816	3,749	2,680	3,358	2,593	2,344	2,325	2,293	1,764
2.4. Other consumer loans	31,669	32,626	32,948	24,584	30,518	29,723	29,759	29,694	26,101	25,639	24,675	21,928
3. Share of total household loans overdue in the reporting period, %	15.8	14.9	15.0	13.2	15.2	14.7	15.4	14.5	13.3	13.0	14.0	12.2
including:
3.1. Housing loans (except mortgage loans)	5.2	4.4	4.5	4.2	4.4	5.2	6.6	5.2	5.0	3.9	5.1	6.3
3.2. Housing mortgage loans	10.4	8.9	11.7	12.5	10.8	10.7	9.7	10.3	9.7	9.3	11.9	12.7
3.3. Car loans	12.9	12.7	11.0	11.8	15.4	11.6	14.5	11.2	10.8	10.6	11.3	9.1
3.4. Other consumer loans	17.0	16.2	16.2	13.7	16.1	15.9	16.4	15.7	14.3	14.0	14.8	12.7

Update on 7 February 2017.