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