In January 2015, the debt of banks on loans taken in foreign currency increased by half. Experts believe that the peak of devaluation has already passed, and it will straighten the dynamics of the currency the default in the near future.
Arrears in the currency in Russian banks for January 2015 increased by 44.4% and reached 364 billion rubles. This is a record increase in the monthly index on the default 2008 . Meanwhile, the ruble delay increased by only 6.7% – up to 1.8 trillion rubles.
Experts believe that the main reason for the sharp growth delay – the devaluation of the ruble. For 2014 the national currency fell against the dollar by 72% against the euro – by 52%. This led to the fact that payment borrowers foreign currency loans in rubles have doubled, according to “Izvestia”. Experts say that peak devaluation has already passed, and it will straighten the dynamics of the currency in the near future the default .
According to analysts, since the beginning of the current crisis in the currency of arrears increased by 52, 5%, the ruble – by 10.5%. Arrears on loans non-resident companies increased in January 2015 to 78.7% – up to 142.8 billion rubles, breaking the record since 2008. The largest volume of delay from state credit institutions (Sberbank, Bank of Moscow, VTB, VTB 24, Agricultural Bank), as well as major private players outside the top 30 in terms of assets (“Russian Standard”, HCF-Bank, Group banks “Opening”, PSB, Rosbank, MDM Bank, Unicreditbank, Raiffeisenbank, “Uralsib”).
Chief Analyst of one of the credit institutions Natalia Shilov believes that monetary growth is mainly caused by the delay in the difficult situation in importing companies. “If the borrower – not the exporter (ie does not receive the currency for their actions), to pay the loan becomes for many companies is almost impossible in the face of shrinking economy – says Shilov. – This is a problem especially for businesses. The population in the currency takes very rarely . The currency mortgage has been extended until 2008, after which it became a minor issue of the market “.
Sberbank chief analyst Michael Matovnikov indicates that the leadership of state banks volume of overdue foreign currency and ruble loans to all categories obviously due to the fact it is the largest credit organizations in the country. Five of the largest Russian state-owned banks (Sberbank, VTB, Gazprombank, VTB 24, Agricultural Bank) consolidates 54% of the assets of the entire banking sector in Russia. According Matovnikova, the bulk of foreign currency loans granted it the largest banks, they have more customers exporters. Experts believe: if the dollar will fall in February, the revaluation will give the opposite effect – the delay on foreign currency loans will begin to decline .
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