Information on Household Lending Risks in 2014

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, %
1.01.14	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
1.02.14	9,561,654	586,411	6.1	662,575	6.9	482,146	82.2	72.8	133,748	45,246	33.8	39,483	29.5	35,515	78.5	90.0
1.03.14	9,673,589	619,540	6.4	697,687	7.2	510,948	82.5	73.2	130,514	48,516	37.2	41,920	32.1	38,385	79.1	91.6
1.04.14	9,815,377	639,445	6.5	715,677	7.3	522,743	81.7	73.0	141,579	52,930	37.4	43,595	30.8	40,057	75.7	91.9
1.05.14	9,998,418	675,497	6.8	748,535	7.5	553,086	81.9	73.9	142,460	54,089	38.0	46,011	32.3	42,303	78.2	91.9
1.06.14	10,161,416	723,431	7.1	792,041	7.8	592,349	81.9	74.8	153,624	57,716	37.6	48,985	31.9	44,975	77.9	91.8
1.07.14	10,289,872	746,550	7.3	815,615	7.9	611,976	82.0	75.0	152,487	60,528	39.7	51,727	33.9	47,369	78.3	91.6
1.08.14	10,465,861	778,878	7.4	846,892	8.1	640,619	82.2	75.6	158,616	62,537	39.4	53,542	33.8	48,670	77.8	90.9
1.09.14	10,601,540	813,154	7.7	879,237	8.3	671,787	82.6	76.4	168,670	64,873	38.5	56,506	33.5	51,166	78.9	90.6
1.10.14	10,728,793	840,478	7.8	903,455	8.4	696,347	82.9	77.1	166,211	67,676	40.7	58,534	35.2	53,315	78.8	91.1
1.11.14	10,831,843	859,864	7.9	922,270	8.5	715,187	83.2	77.5	171,514	68,444	39.9	59,627	34.8	54,631	79.8	91.6
1.12.14	10,928,420	881,382	8.1	948,054	8.7	738,828	83.8	77.9	178,550	70,685	39.6	62,556	35.0	57,408	81.2	91.8
1.01.15	10,909,524	865,268	7.9	938,891	8.6	728,348	84.2	77.6	175,512	74,473	42.4	64,329	36.7	59,894	80.4	93.1

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 2014	February 2014	March 2014	April 2014	May 2014	June 2014	July 2014	August 2014	September 2014	October 2014	November 2014	December 2014
1. Total household loans due in the reporting period, including:	248,573	254,094	271,026	258,607	250,271	251,372	262,577	247,684	257,617	256,023	264,649	289,322
1.1. Housing loans (except mortgage loans)	6,848	7,139	7,748	7,908	7,720	6,783	7,168	7,096	7,911	7,574	7,080	9,166
1.2. Housing mortgage loans	20,249	21,501	23,375	23,330	21,614	22,142	22,129	20,903	22,044	22,735	20,544	23,398
1.3. Car loans	30,103	31,068	32,340	31,997	29,600	30,752	31,767	30,184	29,025	27,942	31,243	31,309
1.4. Other consumer loans	191,374	194,386	207,562	195,372	191,337	191,695	201,513	189,500	198,637	197,771	205,783	225,450
2. Of which: total household loans overdue in the reporting period, including:	31,323	31,668	36,100	35,519	35,069	37,031	37,634	35,251	37,743	43,590	43,720	44,465
2.1. Housing loans (except mortgage loans)	298	187	159	168	187	185	231	205	202	259	262	329
2.2. Housing mortgage loans	774	881	921	1,113	848	1,040	1,148	1,223	1,276	1,465	1,300	1,149
2.3. Car loans	2,302	2,651	2,647	2,586	2,607	2,787	3,007	2,589	2,840	3,369	2,718	2,848
2.4. Other consumer loans	27,949	27,950	32,373	31,652	31,427	33,019	33,249	31,233	33,425	38,497	39,439	40,140
3. Share of total household loans overdue in the reporting period, %	12.6	12.5	13.3	13.7	14.0	14.7	14.3	14.2	14.7	17.0	16.5	15.4
including:
3.1. Housing loans (except mortgage loans)	4.3	2.6	2.0	2.1	2.4	2.7	3.2	2.9	2.6	3.4	3.7	3.6
3.2. Housing mortgage loans	3.8	4.1	3.9	4.8	3.9	4.7	5.2	5.9	5.8	6.4	6.3	4.9
3.3. Car loans	7.6	8.5	8.2	8.1	8.8	9.1	9.5	8.6	9.8	12.1	8.7	9.1
3.4. Other consumer loans	14.6	14.4	15.6	16.2	16.4	17.2	16.5	16.5	16.8	19.5	19.2	17.8

Last update: 13 January, 2015