The debts of Russians to banks and microfinance organizations (MFOs) have reached a record level in the 21st century – 19.9 trillion rubles, follows from the data of the Central Bank published on its website.
Of these, ruble debt accounts for 19.7 trillion rubles, and debt denominated in foreign currency – 142.2 billion. Since the beginning of 2020, the debt has grown by 809 billion rubles, or 4.2 percent. Over the past year, its size has increased by 2.1 trillion.
The population’s credit burden has grown, despite the measures taken by the regulator last year. Since October, the Central Bank introduced premiums to risk ratios for loans issued to borrowers with already accumulated load. The risk coefficient is multiplied by the loan amount when calculating the bank’s capital adequacy ratio: the denominator of the formula indicates the total amount of assets (adjusted for risk coefficients), and the numerator indicates the capital amount.
At the moment, the capital adequacy ratio for most banks is 9.5 percent, for systemically important – eight percent. The increase in risk ratios is aimed at slowing down the growth rate of lending in order to prevent a credit boom and maintain an acceptable quality of loan servicing.
The debt of the non-financial sector, according to the Central Bank, as of July 1 amounted to 44 trillion rubles: 36.8 trillion fell on debt on loans, 7.1 trillion – on bonds and other debt securities.
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