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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.