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, %
1.01.15	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
1.02.15	10,811,441	910,734	8.4	990,863	9.2	772,679	84.8	78.0	186,421	78,748	42.2	68,457	36.7	63,462	80.6	92.7
1.03.15	10,667,754	946,095	8.9	1,016,236	9.5	803,968	85.0	79.1	182,988	80,752	44.1	71,450	39.0	66,196	82.0	91.6
1.04.15	10,532,496	972,520	9.2	1,048,517	10.0	829,619	85.3	79.1	186,551	82,572	44.3	74,372	39.9	68,266	82.7	91.8
1.05.15	10,427,706	989,737	9.5	1,061,646	10.2	845,735	85.5	79.7	183,653	83,640	45.5	75,084	40.9	69,105	82.6	92.0
1.06.15	10,379,212	1,042,995	10.0	1,092,071	10.5	882,660	84.6	80.8	193,225	85,210	44.1	77,404	40.1	70,685	83.0	91.3
1.07.15	10,331,635	1,061,294	10.3	1,103,869	10.7	899,518	84.8	81.5	187,648	89,026	47.4	79,007	42.1	73,334	82.4	92.8
1.08.15	10,341,145	1,090,806	10.5	1,136,446	11.0	932,907	85.5	82.1	192,361	93,895	48.8	82,845	43.1	77,446	82.5	93.5
1.09.15	10,346,026	1,100,248	10.6	1,147,800	11.1	946,943	86.1	82.5	192,619	93,504	48.5	82,336	42.7	77,107	82.5	93.6
1.10.15	10,337,106	1,107,311	10.7	1,160,664	11.2	956,583	86.4	82.4	191,061	94,302	49.4	84,211	44.1	78,884	83.7	93.7
1.11.15	10,305,854	1,114,354	10.8	1,167,787	11.3	967,394	86.8	82.8	196,617	92,962	47.3	85,508	43.5	80,193	86.3	93.8
1.12.15	10,268,324	1,104,036	10.8	1,160,638	11.3	959,878	86.9	82.7	188,240	95,091	50.5	83,791	44.5	80,232	84.4	95.8
1.01.16	10,278,829	1,084,298	10.5	1,138,574	11.1	945,426	87.2	83.0	184,087	90,836	49.3	80,890	43.9	77,398	85.2	95.7

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 2015	February 2015	March 2015	April 2015	May 2015	June 2015	July 2015	August 2015	September 2015	October 2015	November 2015	December 2016
1. Total household loans due in the reporting period, including:	234,829	238,624	246,974	224,652	218,758	228,160	225,772	219,892	224,825	226,636	229,595	280,729
1.1. Housing loans (except mortgage loans)	7,321	7,064	7,328	6,067	5,815	5,797	5,947	5,733	5,741	6,118	5,842	6,948
1.2. Housing mortgage loans	18,144	18,539	20,798	18,527	17,378	18,086	17,757	17,189	17,432	17,621	18,579	20,572
1.3. Car loans	26,859	25,416	28,559	26,586	24,895	25,983	24,867	24,844	24,892	24,689	24,415	28,673
1.4. Other consumer loans	182,506	187,604	190,289	173,472	170,669	178,294	177,202	172,127	176,759	178,208	180,759	224,535
2. Of which: total household loans overdue in the reporting period, including:	39,009	36,410	45,643	41,060	38,540	44,802	40,634	38,554	36,313	37,103	37,369	42,264
2.1. Housing loans (except mortgage loans)	256	207	260	331	306	383	339	392	353	457	445	451
2.2. Housing mortgage loans	1,399	1,201	1,662	1,616	1,420	1,827	1,791	2,268	2,065	2,018	2,437	2,005
2.3. Car loans	3,223	2,639	3,092	2,971	2,999	3,738	3,012	2,894	2,885	3,243	2,997	3,382
2.4. Other consumer loans	34,130	32,364	40,629	36,142	33,815	38,854	35,492	33,001	31,011	31,385	31,490	36,427
3. Share of total household loans overdue in the reporting period, %	16.6	15.5	18.5	18.3	17.6	19.6	18.0	17.5	16.2	16.4	16.3	15.1
including:
3.1. Housing loans (except mortgage loans)	3.5	2.9	3.6	5.5	5.3	6.6	5.7	6.8	6.2	7.5	7.6	6.5
3.2. Housing mortgage loans	7.7	6.5	8.0	8.7	8.2	10.1	10.1	13.2	11.8	11.5	13.1	9.7
3.3. Car loans	12.0	10.4	10.8	11.2	12.0	14.4	12.1	11.6	11.6	13.1	12.3	11.8
3.4. Other consumer loans	18.7	17.3	21.4	20.8	19.8	21.8	20.0	19.2	17.5	17.6	17.4	16.2

Update on 3 February 2016.