Page 105 - RusRPTJan21

debt femininity, on the contrary, increased in November by 12.3bn rubles. (+ 1.3%), which is higher than the monthly average growth in 2019 and for 10 months of 2020 (0.6%) 9. At the same time, the increase was evenly distributed divided by the banking sector, which likely reflects the impact of the pandemic.
Data on the share of problem and bad loans (loans of IV and V quality categories) on 30.11.2020 will be available after the release of this material. In October, the share of problems bad and bad loans continued to decline: in the corporate portfolio, the It increased from 10.7% to 10.5%, and in the retail portfolio from 7.7% to 7.6%. At the same time, non-working (pro for more than 90 days) loans in the mortgage portfolio decreased from 1.5 to 1.4%, and in the portfolio of unsecured consumer loans remained at the level of 9.1%.
As of 31.10.2020 problem and bad corporate loans are covered by the reserve by 73.7%, and taking into account all reserves for the portfolio - by 93.6%; retail loans - by 87.2 and 109.1%, respectively. Data for November will be available at a later date, but the volume of of reserves on the loan portfolio in November decreased by 22bn rubles (-0.4%), which is mainly associated with a decrease in reserves for foreign currency loans against the background of strengthening singing the ruble.
Demand for restructuring loans to SMEs continued to decline in November - compared to Since October, the volume of loans restructured over the month has decreased by almost 18%, up to 17.2bn rubles. At the same time, the volume of household loans restructured over a month on the contrary, it grew by about a third, to 32.5bn rubles, which is probably due to an increase in the incidence of coronavirus infection and partial restrictive measures. Data for large companies are not yet available, but, according to our estimates, their volume is growing insignificantly but. In total, from the end of March to the end of October, according to the Bank of Russia, it was restructured loans in the amount of about 6.5 trillion rubles. (more than 10% of the loan portfolio).
8.1.5​ NIMs & CARs
Sector capital adequacy in October there was a noticeable decrease in indicators​.
Sufficient total capital in October decreased by 0.47 p.p. to 12.27%, mainly due to the payment of dividends by 457bn rubles, which led to a reduction in the total the capital of the sector by 2.5%.
Risk-weighted assets grew by 1.1% due to the growth of the loan portfolio.
Banks' transition to a finalized approach in terms of changes in the reduced risk weights for requirements for SMEs, borrowers of investment class and project financing had a minor impact on the performance capital adequacy of
105 ​RUSSIA Country Report​ January 2021 www.intellinews.com