In Russia, most take loans the guards, and least of all the representatives of the IT sector

In Russia, most take loans guards

The highest level of debt load in Russia was recorded on security guards and employees of medical institutions and social workers.

According to the National Bureau of credit histories (nbki), the indicator of debt burden (PPM) in workers of security service as of October 1, 2019 is 34%, having increased by 4 percentage points (PP).

Workers from the field of pharmaceutics and medicine, and social services the figure is fixed at the level of 33.2% and 32.8%, respectively.

A high degree of debts (29,7%) are also among the Russians, who belong to the category of self-employed.

In ten of those who take more credits also include representatives of the transport and logistics (29%), education (28.5 per cent), law (27,3%), catering (27.1 per cent), tourism and hospitality businesses (26.1 per cent), as well as mass media representatives (26%).

Least of all take out loans, representatives of the sphere of information technology (13.6 per cent).

NCB analysts note that akreditavimo staff is the administrative staff was 30.3%.

And top management, this figure was recorded at 14.9%.

In January-September 2019 the largest number of consumer loans granted in the Russian regions were recorded in Moscow (650,6 thousand units), Moscow region (603,3 thousand units), Krasnodar region (546,1 thousand units), the Republic of Bashkortostan (496,9 thousand units) and the Republic of Tatarstan (469,2 thousand units).

The dynamics of consumer loans in the regions is opposite. The dramatic growth in issuance (among the 30 Russian regions — leaders in terms of granting consumer credits) in January-September 2019 compared to the same period of 2018 showed Moscow (+16,3%), Omsk (+13.7 per cent) and Moscow (+13,5%), St. Petersburg (+12,5%) and Tyumen oblast (without KHMAO and YANAO) (+11,0%).

At the same time, in some regions there was a decrease in the issuance of consumer credits. So, of the top 30 regions for number of granted consumer loans the decline in lending was recorded in the Sverdlovsk region (-0.8%) and the Republic of Udmurtia (-0,6%) (table 2).

As noted by General Director nbki Alexander Vikulin, the indicator of debt burden (HDPE) Russian borrowers generally remains at an acceptable level, however, draws attention to the fact that the income of workers in some sectors is not sufficiently «comfortable» to service credit obligations.

NCB has the ability to analyze information for loans having access to data about more than 98 million credit to Russian borrowers, provide more than 4 thousand creditors.

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