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and those with a down payment below 20% accounted for 1% (vs 8% in 2024 Q4) of total loans issued. For 2026 Q2, MPLs for

is positive, this is an upward phase of the credit cycle. On 8 November 2024, the Bank of Russia Board of Directors decided to establish

OF RUSSIA’S BALANCE SHEET ( TN).....................................................................................................................................................................................................................................................................................................................................................................................................................................Chart 8 12 10 8 6 4 2 0 -2 -4 -6 -8 -10 -12 2008 2009 2010 2011

8.2 0.8 -2.8 2.0 food products excluding fruit and vegetables 5.4 8.8 8.7 15.6 13.1 8.