Krasnodar, 25 January. The average number of retail bank credits has changed negligibly over the past year.
According to the National Bureau of Credit Histories (NBCH), the average number of loans per natural person in December 2022 was 2.2, with no change compared to December 2021. The highest index was recorded in Khanty-Mansiysk Autonomous Okrug – 2.4 bank credits.
“Such an insignificant change of the average index showing the number of credits per borrower shows that the external factors have not affected considerably the retail loan market,” explains Aleksei Volkov, NBCH Marketing Director. “Following the downfall in March and April, while the Bank of Russia’s key rate and the market rates were reducing, credit financing of natural persons was gradually restoring. It was happening despite the rather conservative credit policies established by banks and rather moderate credit activity of population who were not striving to upscale their credit liabilities with a background of general uncertainty.”
The biggest number of bank credits falls on 25 to 30-year-old borrowers – 2.6 credits per person.