Information on Household Lending Risks in 2013
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) | Overdue loans in excess of 90 days (millions of rubles) | Overdue 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 (millions 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 homogeneous claims and loans with provisions in excess of 20% | Homogeneous claims and loans with provisions in excess of 20% in total claims, % | Total (millions of rubles) | LLP as % of total claims on interest income | For claims and loans with provisions in excess of 20% (millions of rubles) | LLP for claims and loans with provisions in excess of 20% as % of relevant claims | LLP for claims and loans with provisions in excess of 20% in total LLP, % | |
1.01.13 | 7,349,035 | 334,418 | 4.6 | 385,847 | 5.3 | 274,296 | 82.0 | 71.1 | 93,392 | 26,589 | 28.5 | 22,891 | 24.5 | 21,034 | 79.1 | 91.9 |
1.02.13 | 7,416,611 | 352,621 | 4.8 | 409,442 | 5.5 | 290,064 | 82.3 | 70.8 | 93,056 | 27,390 | 29.4 | 23,621 | 25.4 | 21,576 | 78.8 | 91.3 |
1.03.13 | 7,538,291 | 358,561 | 4.8 | 421,306 | 5.6 | 301,865 | 84.2 | 71.7 | 88,038 | 26,898 | 30.6 | 24,081 | 27.4 | 21,866 | 81.3 | 90.8 |
1.04.13 | 7,709,677 | 376,850 | 4.9 | 443,092 | 5.7 | 316,882 | 84.1 | 71.5 | 102,629 | 29,498 | 28.7 | 26,427 | 25.8 | 23,963 | 81.2 | 90.7 |
1.05.13 | 7,956,649 | 397,079 | 5.0 | 463,750 | 5.8 | 332,204 | 83.7 | 71.6 | 99,804 | 29,896 | 30.0 | 26,836 | 26.9 | 24,204 | 81.0 | 90.2 |
1.06.13 | 8,179,001 | 426,639 | 5.2 | 494,614 | 6.0 | 354,953 | 83.2 | 71.8 | 106,890 | 32,173 | 30.1 | 28,751 | 26.9 | 25,828 | 80.3 | 89.8 |
1.07.13 | 8,390,842 | 434,497 | 5.2 | 503,966 | 6.0 | 358,802 | 82.6 | 71.2 | 113,200 | 33,341 | 29.5 | 29,783 | 26.3 | 26,734 | 80.2 | 89.8 |
1.08.13 | 8,608,509 | 459,807 | 5.3 | 530,794 | 6.2 | 378,903 | 82.4 | 71.4 | 115,595 | 35,472 | 30.7 | 31,623 | 27.4 | 28,459 | 80.2 | 90.0 |
1.09.13 | 8,829,229 | 481,901 | 5.5 | 556,025 | 6.3 | 397,259 | 82.4 | 71.4 | 122,794 | 37,111 | 30.2 | 33,290 | 27.1 | 29,727 | 80.1 | 89.3 |
1.10.13 | 8,949,436 | 508,583 | 5.7 | 580,794 | 6.5 | 418,623 | 82.3 | 72.1 | 120,719 | 39,514 | 32.7 | 34,884 | 28.9 | 31,427 | 79.5 | 90.1 |
1.11.13 | 9,161,322 | 530,897 | 5.8 | 600,495 | 6.6 | 437,352 | 82.4 | 72.8 | 126,250 | 40,874 | 32.4 | 35,759 | 28.3 | 32,389 | 79.2 | 90.6 |
1.12.13 | 9,324,891 | 540,347 | 5.8 | 612,813 | 6.6 | 445,217 | 82.4 | 72.7 | 129,630 | 41,665 | 32.1 | 36,422 | 28.1 | 33,008 | 79.2 | 90.6 |
1.01.14 | 9,536,025 | 549,338 | 5.8 | 618,983 | 6.5 | 450,109 | 81.9 | 72.7 | 129,266 | 42,490 | 32.9 | 36,919 | 28.6 | 33,566 | 79.0 | 90.9 |
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 2013 | February 2013 | March 2013 | April 2013 | May 2013 | June 2013 | July 2013 | August 2013 | September 2013 | October 2013 | November 2013 | December 2013 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1. Total household loans due in the reporting period, | 206,985 | 207,350 | 210,829 | 222,055 | 216,608 | 223,404 | 239,931 | 229,185 | 244,375 | 255,883 | 254,765 | 283,390 |
including: | ||||||||||||
1.1. Housing loans (except mortgage loans) | 5,714 | 5,923 | 5,879 | 5,657 | 5,696 | 5,347 | 6,215 | 5,921 | 6,443 | 6,747 | 6,376 | 8,020 |
1.2. Housing mortgage loans | 17,009 | 16,528 | 18,288 | 19,133 | 17,701 | 18,342 | 19,678 | 18,510 | 19,986 | 20,100 | 21,310 | 23,975 |
1.3. Car loans | 25,741 | 25,704 | 26,256 | 27,380 | 26,900 | 27,046 | 28,812 | 27,981 | 28,504 | 29,817 | 29,356 | 32,179 |
1.4. Other consumer loans | 158,521 | 159,195 | 160,407 | 169,885 | 166,310 | 172,670 | 185,226 | 176,774 | 189,442 | 199,219 | 197,724 | 219,216 |
2.
Of which: total household loans overdue in the reporting period, |
21,550 | 21,494 | 23,872 | 26,253 | 25,170 | 26,005 | 31,122 | 27,627 | 29,125 | 29,909 | 30,915 | 32,523 |
including: | ||||||||||||
2.1. Housing loans (except mortgage loans) | 293 | 307 | 229 | 211 | 208 | 170 | 137 | 192 | 225 | 203 | 179 | 173 |
2.2. Housing mortgage loans | 865 | 662 | 801 | 803 | 875 | 785 | 1,146 | 899 | 949 | 823 | 1,011 | 910 |
2.3. Car loans | 2,867 | 1,677 | 2,057 | 1,841 | 1,994 | 2,153 | 2,159 | 2,188 | 2,369 | 2,389 | 2,832 | 2,470 |
2.4. Other consumer loans | 17,525 | 18,848 | 20,786 | 23,398 | 22,094 | 22,898 | 27,680 | 24,348 | 25,583 | 26,494 | 26,894 | 28,970 |
3. Share of total household loans overdue in the reporting period, % | 10.4 | 10.4 | 11.3 | 11.8 | 11.6 | 11.6 | 13.0 | 12.1 | 11.9 | 11.7 | 12.1 | 11.5 |
including: | ||||||||||||
3.1. Housing loans (except mortgage loans) | 5.1 | 5.2 | 3.9 | 3.7 | 3.7 | 3.2 | 2.2 | 3.3 | 3.5 | 3.0 | 2.8 | 2.2 |
3.2. Housing mortgage loans | 5.1 | 4.0 | 4.4 | 4.2 | 4.9 | 4.3 | 5.8 | 4.9 | 4.7 | 4.1 | 4.7 | 3.8 |
3.3. Car loans | 11.1 | 6.5 | 7.8 | 6.7 | 7.4 | 8.0 | 7.5 | 7.8 | 8.3 | 8.0 | 9.6 | 7.7 |
3.4. Other consumer loans | 11.1 | 11.8 | 13.0 | 13.8 | 13.3 | 13.3 | 14.9 | 13.8 | 13.5 | 13.3 | 13.6 | 13.2 |
Last update: 12 January, 2014 |
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Last updated on: 12.08.2019