Us to cancel almost all concessions, except greece telegram data for the already mention installment plan for block assets and the temporary cancellation of capital surcharges. Moreover, surcharges have already begun to be restor — from January 1, 2024, the minimum level of surcharges has been increas to 0.25 percentage points, while less than ten banks are currently using the easing of surcharges.
Currently no significant
risks in terms of possible accumulation of “hidden bad debts”, and we have already cancell the relaxations on corporate loans, including the provision of loans to borrowers affect by sanctions. The share of problem loans is now about 5%, and they are almost 80% reserv, and therefore do not pose a significant risk.
Restructur loans carry potential risk
All borrowers will benefit from restructuring, and some may default. The restructuring portfolio at the beginning of the year was 12.1 trillion rubles, or 16% of the corporate portfolio, but we consider about 3 trillion rubles, or 4% of the corporate portfolio, to be potentially risky. These are mainly either repeat restructurings for borrowers the service account is available with a poor financial position or a large amount of debt, already recogniz by banks as problematic, or loans ao lists to borrowers who have not paid interest for more than two years. At the moment, potentially problematic restructurings are cover by reserves by 17%, and about 35% are cover by high-quality collateral.
