CrimeaPRESS reports:
The United Credit Bureau (UCB) has summed up the lending activity of citizens in January 2023 based on information from creditors who submit data to the Bureau.
The number of new POS loans decreased compared to the same period last year by 49%and the volumes 34%. For the first month of 2023, 298.4 thousand. POS credits for 19.7 billion rub., a year earlier — 587.5 thousand commodity loans for 30.0 billion rubles. The average POS-loan check increased by 29%: from 51 to 66 thousand rubles.
In terms of the volume of issuance of commodity loans, the top five included: Moscow — 22.7 thousand loans for 2.16 billion rubles., Moscow region. — 19.9 thousand loans for 1.68 billion rubles, St. Petersburg — 14.0 thousand loans for 1.05 billion rubles, Krasnodar Territory — 13.9 thousand loans for 1.01 billion rubles. and Tatarstan — 11.0 thousand loans for 680 million rubles.
The largest POS loans in January of this year were taken by residents of Moscow — 95 thousand rubles, Khabarovsk Territory — 87 thousand rubles, Moscow region — 84 thousand rubles, St. Petersburg — 75 thousand rubles, Leningrad region and Krasnodar Territory — 73 thousand rubles each.
In all regions of the TOP-30 in terms of issuance, there is a decrease in the annual ratio of the volume and number of issued commodity loans, while the average check is growing. The highest rate of decline in new POS loans is observed in the Altai Territory: the number decreased by 61%, and the volume — by 53%. The Khabarovsk Territory showed the smallest decrease in POS-lending volumes: -9% with a decrease in the number by 45%. The most significant increase in the average bill for the year was noted in the Khabarovsk Territory: +67%, from 52 to 87 thousand rubles.
TOP 30 REGIONS BY VOLUME OF ISSUED POS-LOANS
| REGION | January 2023 | January 2022 | Dynamics for the year, % | ||||||||
| Quantity, thousand pieces | Volume, million rubles | Average check, thousand rubles | Quantity, thousand pieces | Volume, million rubles | Average check, thousand rubles | Quantity | Volume | Check | |||
| 1 | MOSCOW | 22.7 | 2164 | 95 | 38.0 | 2684 | 71 | -40% | -19% | 35% | |
| 2 | MOSCOW REGION | 19.9 | 1678 | 84 | 35.8 | 2259 | 63 | -44% | -26% | 33% | |
| 3 | SAINT PETERSBURG | 14.0 | 1053 | 75 | 23.1 | 1419 | 61 | -39% | -26% | 22% | |
| 4 | KRASNODAR REGION | 13.9 | 1005 | 73 | 26.2 | 1351 | 52 | -47% | -26% | 41% | |
| 5 | TATARSTAN REPUBLIC | 11.0 | 680 | 62 | 19.5 | 978 | 50 | -44% | -thirty% | 24% | |
| 6 | BASHKORTOSTAN REPUBLIC | 9.8 | 609 | 62 | 18.7 | 877 | 47 | -48% | -31% | 33% | |
| 7 | SVERDLOVSK REGION | 9.6 | 607 | 63 | 18.9 | 905 | 48 | -49% | -33% | 32% | |
| 8 | ROSTOV REGION | 7.7 | 502 | 65 | 17.3 | 848 | 49 | -55% | -41% | 32% | |
| 9 | NOVOSIBIRSK REGION | 6.6 | 431 | 65 | 12.8 | 630 | 49 | -48% | -32% | 32% | |
| 10 | CHELYABINSK REGION | 7.5 | 424 | 56 | 15.5 | 699 | 45 | -52% | -39% | 26% | |
| eleven | SAMARA REGION | 6.7 | 414 | 62 | 13.8 | 676 | 49 | -51% | -39% | 26% | |
| 12 | IRKUTSK REGION | 7.0 | 408 | 58 | 12.9 | 600 | 46 | -46% | -32% | 25% | |
| 13 | KRASNOYARSK REGION | 6.2 | 396 | 64 | 12.9 | 649 | 50 | -52% | -39% | 27% | |
| 14 | NIZHNY NOVGOROD REGION | 6.0 | 359 | 60 | 11.3 | 529 | 47 | -47% | -32% | 28% | |
| 15 | KHANTY-MANSIYSKY-YUGRA JSC | 4.8 | 349 | 73 | 10.7 | 638 | 60 | -55% | -45% | 21% | |
| 16 | KEMEROVSK REGION | 5.8 | 339 | 59 | 12.5 | 583 | 47 | -54% | -42% | 25% | |
| 17 | STAVROPOL REGION | 5.1 | 300 | 59 | 11.0 | 541 | 49 | -54% | -45% | 20% | |
| 18 | LENINGRAD REGION | 4.1 | 298 | 73 | 7.8 | 432 | 55 | -48% | -31% | 33% | |
| 19 | PERM REGION | 5.3 | 291 | 55 | 10.8 | 475 | 44 | -51% | -39% | 25% | |
| 20 | TYUMEN REGION | 4.0 | 272 | 68 | 8.0 | 412 | 51 | -50% | -34% | 33% | |
| 21 | SARATOV REGION | 4.6 | 261 | 57 | 9.5 | 436 | 46 | -52% | -40% | 24% | |
| 22 | VORONEZH REGION | 4.4 | 257 | 58 | 9.1 | 420 | 46 | -51% | -39% | 26% | |
| 23 | PRIMORSKY KRAI | 3.7 | 252 | 68 | 7.8 | 408 | 52 | -53% | -38% | 31% | |
| 24 | VOLGOGRAD REGION | 4.5 | 250 | 55 | 9.8 | 435 | 45 | -54% | -43% | 23% | |
| 25 | KHABAROVSK REGION | 2.6 | 229 | 87 | 4.8 | 251 | 52 | -45% | -9% | 67% | |
| 26 | OMSK REGION | 3.8 | 221 | 59 | 7.6 | 352 | 46 | -51% | -37% | 28% | |
| 27 | ORENBURG REGION | 3.7 | 207 | 56 | 8.1 | 345 | 43 | -54% | -40% | 31% | |
| 28 | ALTAI REGION | 3.6 | 183 | 51 | 9.1 | 389 | 43 | -61% | -53% | 19% | |
| 29 | TULA REGION | 3.0 | 183 | 61 | 5.7 | 269 | 47 | -48% | -32% | 31% | |
| thirty | BELGOROD REGION | 2.8 | 156 | 55 | 6.7 | 312 | 46 | -58% | -50% | 19% | |
If you are interested in data for other regions, please send a request to filatova@abr-pr.ru
UNITED CREDIT BUREAU (UCB)
Established in 2004, it is the largest credit history bureau in Russia in terms of database size. The OKB database stores more than 593 million credit histories for 91 million citizens. The bureau pays great attention not only to the number of credit histories in the database, but also to the quality of the data provided. The line of services of the United Credit Bureau provides all stages of the loan pipeline — from obtaining credit reports and scoring to complex solutions, including portfolio monitoring and fraud prevention. Among the clients of the OKB are more than 600 credit institutions, MFIs, insurance companies and telecom operators. Website:
OKB is also developing an online platform for anyone who wants to independently manage their financial reputation. Services help you understand your credit history, find the right financial solution and get smart help in choosing financial services. Website:
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