By the end of 2025, Russians’ uncollectible debts on loans exceeded 2.4 trillion rubles, having increased by a third over the year. They accounted for almost 7% of banks’ retail credit portfolio, compared to 5.7% a year earlier. At the same time, Russians’ total debt to financial organizations increased by 1.1 trillion rubles over the year to 38 trillion. This follows from the data of the Bank of Russia, with which “Izvestia” was acquainted. According to the Russian risk assessment system, uncollectible debts include loans that banks do not expect to recover and therefore must create reserves for them in the amount of 100% of the loan.
In the segment of unsecured consumer loans, the share of problematic loans increased to 13% compared to 9% a year earlier. The regulator noted that payment discipline on debts issued at the end of 2023 and the beginning of 2024 has mainly deteriorated. Among them are loans to borrowers with a low credit rating or no credit history at all, for which it was initially difficult to assess the risks. In mortgages, the situation remains more stable: the share of problematic loans has increased, but remains at a low level – about 1.7%. This is due to the “maturing” of loans that banks issued during the period of high demand for preferential mortgages and market programs in 2023–2024, noted in the Central Bank (The Moscow Times).
