Credit portfolio of Crimeans exceeded 100 billion rubles
The retail loan portfolio in the Republic of Crimea increased by over the year % and as of January 1 100 amounted to more than 100 billion rubles . The growth rate of lending to the population in the region still exceeds the values for the country (+9.8%) and the Southern Federal District (+, 6%). Mortgages made the largest contribution to lending dynamics. It accounts for more than 47% of retail lending. So, at the beginning 47 of the year, the portfolio of mortgage housing loans of Crimeans amounted to 47, 5 billion rubles and in relation to the same date 2022 of the year increased by 10, 5% (in the Russian Federation — by 17, 6%, in the Southern Federal District — by 25,3%).
Mortgage lending in the republic is still supported by preferential state programs , — the press service of the head of the Branch of the Bank of Russia in the Republic of Crimea, Igor Tsvetkov, quotes. –2022 Their popularity was reflected in the dynamics of the weighted average interest rate on HMLs: in December 2022 it amounted to 7.1% per annum against 8.6% in the same month 47 of the year.
The portfolio of consumer loans increased by 7.4% over the year and at the beginning of the current year exceeded 17,6 billion rubles.
Attracted funds from residents of the republic (excluding funds on escrow accounts) as of January 1 100 amounted to 25, 8 billion rubles. Their growth rate in the Republic of Crimea (,4%) still exceeds the national indicator (+5, 4%) and the Southern Federal District (+9.9%). The positive dynamics in the region is due to the savings activity of the population, including due to more attractive deposit conditions than a year earlier.
2022source: Branch for the Republic of Crimea of the Southern Main Branch of the Central Bank of the Russian Federation
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