Analysts of the Association highlight that one of the notable trends in 2019 was the growth of retail lending, especially in the largest credit institutions. As a result, the share of loans to individuals in the overall structure of banking sector assets grew by 2.5 p.p. up to 18.3% over the year.
Herewith, a relatively low average market indicator of overdue debt was recorded in the amount of 4.3% according to results of the year. It was achieved exceptionally on the expense of the segment’s leaders - Sberbank and VTB Bank, which have only 2.8% of overdue debts in the retail portfolio. The rest of the credit institutions demonstrate values of about 6%, banks with a basic license - more than 8%.
Active support of mortgage lending on the state level has led to the retention of significant volumes of lending with a decreasing weight of overdue debts - it amounted to only 1% on the 1st of January, 2020.
In the analytical review special attention is paid to a group of banks with a basic license.
