Information on Household Lending Risks

Individual Indicators for Homogeneous Claims and Household Loans by Portfolio

	Loans			Actual LLP for loans					Claims on interest income			Actual LLP for claims on interest income
	Total (millions of rubles)	Over-due loans in excess of 90 days (millions of rubles)	Over-due loans in excess of 90 days in total loans, %	Total (millions of rubles)	LLP as % of total loans	For overdue loans in excess of 90 days (mil-lions of rubles)	LLP for overdue loans in excess of 90 days as % of relevant loans	LLP for overdue loans in excess of 90 days in total LLP, %	Total (millions of rubles)	For homo-geneous claims and loans with provisions in excess of 20%	Homogene-ous claims and loans with provi-sions in excess of 20% in total claims, %	Total (mil-lions of rubles)	LLP as % of total claims on interest income	For claims and loans with provi-sions in excess of 20% (mil-lions of rubles)	LLP for claims and loans with provi-sions in excess of 20% as % of relevant claims	LLP for claims and loans with provi-sions in excess of 20% in total LLP, %
1.01.17	10,494,118	977,559	9.3	1,072,739	10.2	885,889	90.6	82.6	179,960	81,236	45.1	76,622	42.6	72,844	89.7	95.1
1.02.17	10,474,990	992,596	9.5	1,092,379	10.4	902,307	90.9	82.6	179,980	80,470	44.7	78,542	43.6	72,313	89.9	92.1
1.03.17	10,479,398	997,762	9.5	1,098,369	10.5	909,299	91.1	82.8	172,092	81,058	47.1	79,388	46.1	73,131	90.2	92.1
1.04.17	10,586,679	993,773	9.4	1,105,954	10.4	909,692	91.5	82.3	179,942	83,714	46.5	79,760	44.3	75,887	90.7	95.1
1.05.17	10,698,817	994,790	9.3	1,108,486	10.4	911,886	91.7	82.3	184,868	84,135	45.5	80,577	43.6	76,632	91.1	95.1
1.06.17	10,762,179	990,058	9.2	1,105,183	10.3	905,625	91.5	81.9	182,782	84,230	46.1	80,350	44.0	76,638	91.0	95.4
1.07.17	10,890,616	961,767	8.8	1,081,058	9.9	877,376	91.2	81.2	177,508	80,911	45.6	77,187	43.5	73,573	90.9	95.3
1.08.17	11,047,415	965,563	8.7	1,090,309	9.9	882,787	91.4	81.0	182,666	81,783	44.8	78,082	42.7	74,447	91.0	95.3
1.10.17	11,382,953	937,411	8.2	1,070,425	9.4	856,520	91.4	80.0	183,565	79,597	43.4	76,283	41.6	72,405	91.0	94.9
1.11.17	11,524,575	933,949	8.1	1,071,771	9.3	854,229	91.5	79.7	182,407	79,861	43.8	76,482	41.9	72,964	91.4	95.4
1.12.17	11,724,100	915,684	7.8	1,060,069	9.0	836,549	91.4	78.9	178,436	78,879	44.2	75,657	42.4	71,871	91.1	95.0
1.01.18	11,902,434	890,726	7.5	1,038,421	8.7	813,486	91.3	78.3	182,321	76,922	42.2	73,455	40.3	69,703	90.6	94.9

Note:
— LLP stands for loan loss provisions.
— According to Form 0409115 ‘Information on the Quality of Assets of a Credit Institution’.
— The table does not include information about the quality of household loans assessed for the purpose of making LLP on an individual basis.

Household Loans Due in the Reporting Period, Including Overdue Loans

Millions of rubles

	January 2017	February 2017	March 2017	April 2017	May 2017	June 2017	July 2017	September 2017	October 2017	November 2017	December 2017
1. Total household loans due in the reporting period, including:	209,692	196,181	227,242	200,951	220,368	212,057	217,669	208,972	235,994	226,521	237,037
1.1. Housing loans (except mortgage loans)	4,973	5,030	6,390	4,582	5,360	4,827	5,183	4,390	5,621	5,099	5,308
1.2. Housing mortgage loans	20,366	19,021	24,714	20,055	22,265	20,040	21,872	19,008	24,257	22,143	21,878
1.3. Car loans	19,197	19,395	20,199	18,871	20,030	19,655	19,939	19,779	21,170	20,751	20,589
1.4. Other consumer loans	165,156	152,735	175,940	157,443	172,713	167,533	170,675	165,795	184,946	178,528	189,262
2. Of which: total household loans overdue in the reporting period, including:	26,993	26,620	31,036	25,155	26,824	24,965	26,783	22,708	25,257	22,741	23,387
2.1. Housing loans (except mortgage loans)	237	323	322	306	420	477	351	297	308	285	206
2.2. Housing mortgage loans	1,934	2,982	2,395	2,107	2,141	2,063	2,167	1,897	2,269	2,093	1,778
2.3. Car loans	1,795	2,231	2,034	1,791	1,704	1,676	1,638	1,586	1,642	1,607	1,398
2.4. Other consumer loans	23,028	21,084	26,284	20,951	22,560	20,749	22,627	18,928	21,038	18,755	20,005
3. Share of total household loans overdue in the reporting period, %	12.9	13.6	13.7	12.5	12.2	11.8	12.3	10.9	10.7	10.0	9.9
including:
3.1. Housing loans (except mortgage loans)	4.8	6.4	5.0	6.7	7.8	9.9	6.8	6.8	5.5	5.6	3.9
3.2. Housing mortgage loans	9.5	15.7	9.7	10.5	9.6	10.3	9.9	10.0	9.4	9.5	8.1
3.3. Car loans	9.3	11.5	10.1	9.5	8.5	8.5	8.2	8.0	7.8	7.7	6.8
3.4. Other consumer loans	13.9	13.8	14.9	13.3	13.1	12.4	13.3	11.4	11.4	10.5	10.6

Update on 2 February 2018.