The share of non-performing loans to Russian banks reached a record level in 2008 and amounted to 10%. At the same time the growth rate of overdue loans up to 90 days decreased sharply. The amount of bad debts will continue to grow, and the banks are hard work with debt, experts say.
The amount of loans overdue more than 90 days amounted to 1.043 trillion rubles., Said in a report released Monday by the Central Bank. In April, the figure was 989.7 billion rubles., And in January – 865.3 billion.
The share of loans overdue more than 90 days of payment of the total loan portfolio of Russian banks increased from January to May 2015 by 2.1 percentage points and reached June 1, 10%. A new level of delinquency has reached a new historic high for the entire observation period from the beginning of 2008.
In May, the share of bad loans was 9.5%, and in the beginning of the year – 7.9%.
According to statistics from the regulator, from January to May 2015 the volume of loans overdue for three months of payments increased by 20.5%, or 177.7 billion rubles. in monetary terms. In comparison: in the past year the volume of such loans grew by 57.5%, or 315.9 billion rubles., In 2013 – more than 64%, or 214, 9 billion rubles.
In the segment of non-performing loans to 90 days develops the opposite trend. According to the Joint Credit Bureau (EDB), the growth rate of the share of overdue debt in the beginning of the year reached a record level, slowed sharply in the second quarter.
In the first quarter the share of overdue loans decreased by 0 , 08 percentage points and by the end of the second quarter amounted to 17.54% (12,470,000 of loans).
«Firstly, the banks began to pay more attention to working with the collection of overdue debts. Secondly, the quality of new borrowers higher than previously because of more stringent requirements of banks. In addition, the role and the revival began in March, the credit market, “- emphasizes Daniel Zelensky, CEO of EDB.
So, in April, the delay decreased by almost 0.2 percentage points compared to March, but in May and June, growth resumed, reaching 0.05 and 0.06 percentage points respectively. EDB analysts note that last year the arrears grew at a faster pace: in the second quarter of 2014 its growth was 0.82 percentage points
However, the decline in the share of overdue loans – this is a temporary trend. According to Zelensky, you need to evaluate it in perspective a few months, especially in view of the holiday season, which is usually a negative impact on the payment discipline of borrowers.
«Extradition is now low, the situation with the credit quality remains negative, banks deduct a lot of money in reserves, someone writes off bad debts, someone is selling. There is a routine of hard work with the delay, “- says Denis Poryvai, an analyst at Raiffeisenbank. According to him, we can hardly expect an increase in the issuance until the middle of 2016, and that if by that time the external background will be more favorable.
In contrast to 2008, consumer lending market is saturated and it is very difficult to find new promising segments: mortgage grows only at the expense of state support, and the market for car loans just ran out of gas, he said analyst.
«Effective demand low, hidden unemployment is growing, everyone who could take credit, have already taken it and take a new loan in the current conditions – is the risk” – says Poryvai .
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