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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, %
1.01.19 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
1.02.19 14,827,434 792,128 5.3 1,023,180 6.9 741,709 93.6 72.5 410,262 297,321 72.5 292,709 71.3 287,185 96.6 98.1
1.03.19 14,997,060 781,538 5.2 1,019,070 6.8 731,182 93.6 71.8 383,068 281,453 73.5 275,156 71.8 271,048 96.3 98.5
1.04.19 15,265,473 782,127 5.1 1,022,321 6.7 730,893 93.4 71.5 378,090 258,304 68.3 254,557 67,3 250,375 96.9 98.4
1.05.19 15,574,737 789,685 5.1 1,035,354 6.6 736,789 93.3 71.2 370,984 258,853 69.8 254,317 68.6 250,568 96.8 98.5
1.06.19 15,830,415 803,689 5.1 1,054,639 6.7 747,817 93.0 70.9 380,594 262,365 68.9 257,737 67.7 253,788 96.7 98.5
1.07.19 16,070,787 796,720 5.0 1,048,835 6.5 739,252 92.8 70.5 378,160 254,510 67.3 250,072 66.1 246,008 96.7 98.4

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 2019 February 2019 March 2019 April 2019 May 2019 June 2019
1. Total household loans due in the reporting period,
including:
313,207 314,034 331,288 335,170 340,004 334,442
1.1. Housing loans (except mortgage loans) 13,838 13,235 14,103 11,907 12,575 11,960
1.2. Housing mortgage loans 46,198 44,816 44,339 46,780 49,905 46,396
1.3. Car loans 22,040 21,780 22,408 22,698 22,629 21,758
1.4. Other consumer loans 231,131 234,203 250,438 253,785 254,894 254,329
2. Of which:
total household loans overdue in the reporting period,
including:
24,222 22,067 23,372 23,158 25,546 23,991
2.1. Housing loans (except mortgage loans) 332 245 268 222 282 319
2.2. Housing mortgage loans 2,656 1,915 1,933 2,113 2,300 1,689
2.3. Car loans 1,381 1,612 1,515 1,639 1,529 1,617
2.4. Other consumer loans 19,852 18,295 9,656 19,183 21,435 20,367
3. Share of total household loans overdue in the reporting period, % 7.7 7.0 7.,1 6.9 7.5 7.2
including:            
3.1. Housing loans (except mortgage loans) 2.4 1.8 1.9 1.9 2.2 2.7
3.2. Housing mortgage loans 5.7 4.3 4.4 4.5 4.6 3.6
3.3. Car loans 6.3 7.4 6.8 7.2 6.8 7.4
3.4. Other consumer loans 8.6 7.8 7.8 7.6 8.4 8.0

Update on 26 July 2019.