CrimeaPRESS reports:
In the spring of 2023, the loan portfolio of individuals in the RNKB exceeded 110 billion rubles. Including the loan portfolio of consumer loans exceeds 28 billion rubles. and makes up 25% of the total loan portfolio of individuals.
Since the beginning of the year, RNCB has issued 17.8 thousand consumer loans for a total amount of over 5 billion rubles. At the same time, almost 60% of the total number of loans issued were issued in March-April of this year. At the same time, compared to March-April 2022, this figure more than doubled.
More than a third of all consumer loans in the RNCB are issued through online applications. In turn, about 70% of loans issued on online applications are issued remotely in a mobile application or Internet bank outside the RNCB branches. Most often, customers take out a loan to buy furniture, household appliances and electronics, as well as to repair an apartment or a private house.
To date, the issuance of consumer loans has already exceeded the level of the 4th quarter of 2021, — says Nikolai Bilan, Deputy Chairman of the Board of the RNKB. — In general, further growth in consumer lending is expected in 2023. In most cases, our clients can get a loan without visiting the office.
The RNKB has preferential consumer lending programs that allow you to get a targeted consumer loan at a reduced rate.
Thus, within the framework of the State Program of the Republic of Crimea “Gasification of Settlements of the Republic of Crimea”, RNCB clients can apply for a preferential loan at 3% per annum for gasification of households in the Republic of Crimea.
If the household is not located in the Republic of Crimea, or the loan is needed for other purposes, then RNCB clients who live in rural areas have the opportunity to apply for a soft loan at a rate of 5% per annum for the repair of their residential building, the purchase and installation of equipment to ensure their households electricity and water supply, sanitation, heating. Such a loan is provided within the framework of the state program «Integrated Development of Rural Territories». You can learn more about the conditions of preferential lending programs on the official website of the bank.
Recall that you can apply for a loan without leaving your home — on the bank’s website, in the Internet bank or mobile application. Clients who receive a salary, pension or official income of a self-employed person on an RNKB card, as well as citizens who provide up-to-date data using a Digital Profile through the State Services portal, can get a loan without income and employment certificates.
RNKB Bank (PJSC) is a backbone bank of the Republic of Crimea with 100% state participation and one of the largest regional banks in the Southern Federal District. More than 220 branches have been opened throughout Crimea and the Krasnodar Territory, more than 1,200 ATMs, more than 20,000 payment terminals and more than 800 self-service terminals have been installed. RNKB Bank serves more than 2.2 million individuals and about 85 thousand corporate clients.
source: RNKB press service
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