In September the portfolio of national currency credits which have been given out by banks to the population, has increased by almost 1%. The basic driver of growth is consumer and card crediting. The mortgage and auto credits, as well as earlier, are in anabiosis.
Last month became the first push after crisis when banks have considerably increased a portfolio of national currency credits which have been given out to the population. According to national bank, in September financial organization have given to physical persons more then 400 000 credits in national currency. More than it has been extinguished for the same time (portfolio growth — 0,8 %).
It is more than in eight times exceeds a similar indicator for July-August (the period when portfolios have ceased to be reduced for the first time). September growth of the credit portfolio nominated in national currency is caused first of all by activation of consumer crediting and issue of no-purpose cash and card credits. The new business season has begun. A number of banks have entered into the market with offer to take the credit for consumer needs. Apparently, the population has actively responded to possibility again to buy technics on credit, — the chief of department of retails in one of the banks marks.
Now target credits on purchasing of the goods give out five banks, but financiers don’t exclude that shortly their numbers considerably will replenish. At the majority of banks promptness of liabilities is insignificant — about one year, therefore short-term consumer crediting can be interesting to them. Besides at a competent risk management is very much profitable», — tells the vice-president of of credit department.
Bankers conditionally divide the financial organizations which are giving out purchase credits of home appliances and electronics, on two groups. The first are banks for which retail crediting is profile. Cost of consumer credits given out by them now constitutes 60-100 % annual.
The second are the banks which are engaged in consumer crediting at the desire of the large corporate borrowers. There are the banks, which in itself, probably, and haven’t started to credit purchasing of TVs and phones, but home appliances supermarkets are their big clients. And they persuade banks to develop crediting, to improve the indicators and to have possibility to serve the credit in the same bank, — the trustee of bank explains.
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