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, %
1.01.18	11,902,434	890,726	7.5	1,038,421	8.7	813,486	91.3	78.3	182,321	76,922	42.2	73,455	40.3	69,703	90.6	94.9
1.02.18	11,995,569	897,689	7.5	1,050,223	8.8	819,800	91.3	78.1	179,440	76,979	42.9	73,526	41.0	69,713	90.6	94.8
1.03.18	12,112,259	887,332	7.3	1,046,821	8.6	811,443	91.4	77.5	168,221	75,184	44.7	71,534	42.5	67,890	90.3	94.9
1.04.18	12,313,916	876,839	7.1	1,039,078	8.4	800,594	91.3	77.0	179,701	73,521	40.9	70,262	39.1	66,320	90.2	94.4
1.05.18	12,545,154	855,460	6.8	1,021,873	8.1	780,090	91.2	76.3	178,477	69,401	38.9	66,795	37.4	62,792	90.5	94.0
1.06.18	12,807,278	861,879	6.7	1,033,676	8.1	785,203	91.1	76.0	175,148	70,418	40.2	67,372	38.5	63,758	90.5	94.6
1.07.18	13,057,404	854,636	6.5	1,033,929	7.9	778,916	91.1	75.3	177,386	70,280	39.6	67,296	37.9	63,658	90.6	94.6
1.08.18	13,328,203	857,153	6.4	1,044,783	7.8	783,560	91.4	75.0	178,109	70,664	39.7	68,110	38.2	64,356	91.1	94.5
1.09.18	13,657,989	859,959	6.3	1,055,638	7.7	785,465	91.3	74.4	180,598	71,564	39.6	68,973	38.2	65,203	91.1	94.5
1.10.18	13,936,513	851,131	6.3	1,049,727	7.5	776,599	91.2	74.0	182,794	70,738	38.7	68,189	37.3	64,469	91.1	94.5
1.11.18	14,187,976	847,015	6.0	1,054,697	7.4	772,583	91.2	73.3	180,806	72,054	39.9	68,264	37.8	64,773	89.9	94.9
1.12.18	14,516,052	847,922	5.8	1,053,534	7.3	773,863	91.,3	73,5	178,200	72,162	40.5	68,203	38.3	64,798	89.8	95.0
1.01.19	14,654,218	787,105	5.4	1,016,961	6.9	737,069	93.6	72.5	175,426	62,901	35.9	61,861	35.3	58,523	93.0	94.6

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 2018	February 2018	March 2018	April 2018	May 2018	June 2018	July 2018	August 2018	September 2018	October 2018	November 2018	December 2018
1. Total household loans due in the reporting period, including:	233,932	234,585	251,220	246,261	256,613	238,712	270,102	268,699	262,966	282,949	272,357	286,502
1.1. Housing loans (except mortgage loans)	5,565	5,379	5,875	5,719	6,355	5,766	6,526	6,163	5,710	6,997	6,827	6,778
1.2. Housing mortgage loans	23,866	22,552	24,601	24,707	26,881	22,213	28,195	24,910	22,710	28,980	26,944	22,436
1.3. Car loans	21,517	21,160	21,700	20,702	22,256	20,961	22,672	22,119	21,111	22,853	21,845	24,243
1.4. Other consumer loans	182,984	185,494	199,045	195,133	201,121	189,773	212,708	215,506	213,435	224,119	216,742	233,044
2. Of which: total household loans overdue in the reporting period, including:	22,523	19,433	20,914	21,026	20,471	19,679	22,025	20,811	22,989	24,010	23,979	22,558
2.1. Housing loans (except mortgage loans)	240	168	246	271	289	278	287	232	330	302	502	348
2.2. Housing mortgage loans	1,902	1,376	1,785	1,896	1,746	1,403	2,168	1,687	1,702	2,035	2,107	1,962
2.3. Car loans	1,547	1,627	1,603	1,390	1,359	1,319	1,634	1, 356	1,520	1,524	1,347	1,361
2.4. Other consumer loans	18,834	16,263	17,280	17,470	17,077	16,678	17,937	17,536	19,438	20,150	20,022	18,887
3. Share of total household loans overdue in the reporting period, %	9.6	8.3	8.3	8.5	8.0	8.2	8.2	7.7	8.7	8.5	8.8	7.9
including:
3.1. Housing loans (except mortgage loans)	4.3	3.1	4.2	4.7	4.5	4.8	4.4	3.8	5.8	4.3	7.4	5.1
3.2. Housing mortgage loans	8.0	6.1	7.3	7.7	6.5	6.3	7.7	6.8	7.5	7.0	7.8	8.7
3.3. Car loans	7.2	7.7	7.4	6.7	6.1	6.3	7.2	6.1	7.2	6.7	6.2	5.6
3.4. Other consumer loans	10.3	8.8	8.7	9.0	8.5	8.8	8.4	8.1	9.1	9.0	9.2	8.1

Update on 7 January 2019.