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Retail Credit Growth in Russian Regions

Author

Listed:
  • Ivan V. Nikonov

    (Financial Research Institute, Moscow 127006, Russia)

  • Arseny S. Sirotkin

    (JSC NPF FUTURE, Moscow 127051, Russia)

Abstract

The article describes the development features of the retail lending in the Russian Federation after 2015–2016 recession period. The authors indicate the recent trends in the retail credit market through the analysis of mortgage and retail loan markets performance with a breakdown by groups of country regions. Groups of regions are defined by the credit growth ratio and personal income level. The groups of regions have such characteristics as living standards, dynamics of the credit growth and past due debt in different retail lending segments, and household bank deposits. The authors determine the highest retail credit growth in regions with the higher-than-average personal debt-to-income ratio, while the mortgages and retail loans show mostly proportionate dynamics in the overall retail credit growth.

Suggested Citation

  • Ivan V. Nikonov & Arseny S. Sirotkin, 2019. "Retail Credit Growth in Russian Regions," Finansovyj žhurnal — Financial Journal, Financial Research Institute, Moscow 125375, Russia, issue 1, pages 56-65, February.
    • Handle: RePEc:fru:finjrn:190105:p:56-65
    DOI: 10.31107/2075-1990-2019-1-56-65
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    References listed on IDEAS

    as
    1. S. V. Sheremeta & A. N. Mogilat., 2018. "Analysis of debt burden and credit of corporate sector: Estimates for Russia and cross-country cases," VOPROSY ECONOMIKI, N.P. Redaktsiya zhurnala "Voprosy Economiki", vol. 5.
    2. K. Krinichansky & A. Fatkin., 2017. "Assessing the impact of banking intermediation on the economy of Russian regions: The post-crisis trends," VOPROSY ECONOMIKI, N.P. Redaktsiya zhurnala "Voprosy Economiki", vol. 1.
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    More about this item

    Keywords

    retail lending; credit cycle; mortgage loans; retail loans; regional credit markets; foreign currency revaluation; growth decomposition;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R11 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes

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