Crimea is among the leaders in terms of growth rates of attracted funds from the population among the regions of the Southern Federal District
The positive dynamics in the region is due to the growth of attracted funds from individuals. The total volume of bank savings of Crimeans over the year increased by ,6% and as of January 1 of the current year amounted to almost 136 billion rubles. In terms of growth rates, Crimea ranks first among the regions of the Southern Federal District, and also outstrips the figure for the whole country (+5.6%). Citizens still place most of their savings (more than 43%) in rubles , the press service of the Branch reported. for the Republic of Crimea of the Southern Main Branch of the Central Bank of the Russian Federation.
Individual entrepreneurs of the region also actively accumulated funds on their accounts, as a result of which the growth rate of these funds (+45,5%) exceeded the figures for the regions of the Southern Federal District and in the whole country (+14,1%).
The volume of lending to individuals also increased. In 2022 year, Crimeans received 84, 5 billion rubles of loans, which is 42,6% more than a year earlier, and higher than in the Southern Federal District (+39,5%) and the country as a whole (+34%). At the same time, the issuance of mortgage housing loans increased by 43% — to , 3 billion rubles.
The continued growth in lending to individuals in the region is associated with the desire of borrowers to take loans before revising the price terms of lending against the backdrop of changes in the monetary policy of the Bank of Russia. Mortgage lending maintains high rates thanks to the continuation of preferential programs. At the same time, the increase in the key rate by the regulator contributed to an increase in deposit rates and, accordingly, an increase in the attractiveness of savings for residents of the region , — says Irina Yabluchanskaya, Head of the Branch for the Republic of Crimea of the Southern Main Branch of the Bank of Russia.
Source: Branch for the Republic of Crimea of the Southern Main Branch of the Central Bank of the Russian Federation