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Information on Household Lending Risks in 2013

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) Overdue loans in excess of 90 days (millions of rubles) Overdue 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 (millions 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 homogeneous claims and loans with provisions in excess of 20% Homogeneous claims and loans with provisions in excess of 20% in total claims, % Total (millions of rubles) LLP as % of total claims on interest income For claims and loans with provisions in excess of 20% (millions of rubles) LLP for claims and loans with provisions in excess of 20% as % of relevant claims LLP for claims and loans with provisions in excess of 20% in total LLP, %
1.01.13 7,349,035 334,418 4.6 385,847 5.3 274,296 82.0 71.1 93,392 26,589 28.5 22,891 24.5 21,034 79.1 91.9
1.02.13 7,416,611 352,621 4.8 409,442 5.5 290,064 82.3 70.8 93,056 27,390 29.4 23,621 25.4 21,576 78.8 91.3
1.03.13 7,538,291 358,561 4.8 421,306 5.6 301,865 84.2 71.7 88,038 26,898 30.6 24,081 27.4 21,866 81.3 90.8
1.04.13 7,709,677 376,850 4.9 443,092 5.7 316,882 84.1 71.5 102,629 29,498 28.7 26,427 25.8 23,963 81.2 90.7
1.05.13 7,956,649 397,079 5.0 463,750 5.8 332,204 83.7 71.6 99,804 29,896 30.0 26,836 26.9 24,204 81.0 90.2
1.06.13 8,179,001 426,639 5.2 494,614 6.0 354,953 83.2 71.8 106,890 32,173 30.1 28,751 26.9 25,828 80.3 89.8
1.07.13 8,390,842 434,497 5.2 503,966 6.0 358,802 82.6 71.2 113,200 33,341 29.5 29,783 26.3 26,734 80.2 89.8
1.08.13 8,608,509 459,807 5.3 530,794 6.2 378,903 82.4 71.4 115,595 35,472 30.7 31,623 27.4 28,459 80.2 90.0
1.09.13 8,829,229 481,901 5.5 556,025 6.3 397,259 82.4 71.4 122,794 37,111 30.2 33,290 27.1 29,727 80.1 89.3
1.10.13 8,949,436 508,583 5.7 580,794 6.5 418,623 82.3 72.1 120,719 39,514 32.7 34,884 28.9 31,427 79.5 90.1
1.11.13 9,161,322 530,897 5.8 600,495 6.6 437,352 82.4 72.8 126,250 40,874 32.4 35,759 28.3 32,389 79.2 90.6
1.12.13 9,324,891 540,347 5.8 612,813 6.6 445,217 82.4 72.7 129,630 41,665 32.1 36,422 28.1 33,008 79.2 90.6
1.01.14 9,536,025 549,338 5.8 618,983 6.5 450,109 81.9 72.7 129,266 42,490 32.9 36,919 28.6 33,566 79.0 90.9

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 2013 February 2013 March 2013 April 2013 May 2013 June 2013 July 2013 August 2013 September 2013 October 2013 November 2013 December 2013
1. Total household loans due in the reporting period, 206,985 207,350 210,829 222,055 216,608 223,404 239,931 229,185 244,375 255,883 254,765 283,390
including:
1.1. Housing loans (except mortgage loans) 5,714 5,923 5,879 5,657 5,696 5,347 6,215 5,921 6,443 6,747 6,376 8,020
1.2. Housing mortgage loans 17,009 16,528 18,288 19,133 17,701 18,342 19,678 18,510 19,986 20,100 21,310 23,975
1.3. Car loans 25,741 25,704 26,256 27,380 26,900 27,046 28,812 27,981 28,504 29,817 29,356 32,179
1.4. Other consumer loans 158,521 159,195 160,407 169,885 166,310 172,670 185,226 176,774 189,442 199,219 197,724 219,216
2. Of which:
total household loans overdue in the reporting period,
21,550 21,494 23,872 26,253 25,170 26,005 31,122 27,627 29,125 29,909 30,915 32,523
including:
2.1. Housing loans (except mortgage loans) 293 307 229 211 208 170 137 192 225 203 179 173
2.2. Housing mortgage loans 865 662 801 803 875 785 1,146 899 949 823 1,011 910
2.3. Car loans 2,867 1,677 2,057 1,841 1,994 2,153 2,159 2,188 2,369 2,389 2,832 2,470
2.4. Other consumer loans 17,525 18,848 20,786 23,398 22,094 22,898 27,680 24,348 25,583 26,494 26,894 28,970
3. Share of total household loans overdue in the reporting period, % 10.4 10.4 11.3 11.8 11.6 11.6 13.0 12.1 11.9 11.7 12.1 11.5
including:
3.1. Housing loans (except mortgage loans) 5.1 5.2 3.9 3.7 3.7 3.2 2.2 3.3 3.5 3.0 2.8 2.2
3.2. Housing mortgage loans 5.1 4.0 4.4 4.2 4.9 4.3 5.8 4.9 4.7 4.1 4.7 3.8
3.3. Car loans 11.1 6.5 7.8 6.7 7.4 8.0 7.5 7.8 8.3 8.0 9.6 7.7
3.4. Other consumer loans 11.1 11.8 13.0 13.8 13.3 13.3 14.9 13.8 13.5 13.3 13.6 13.2
Last update: 12 January, 2014