Borrowers split into sectors – Kommersant

According to the results of the fourth quarter of 2022, the total number of bank customers amounted to 46 million, which is 0.6 million more than a year earlier. At the same time, the number of clients who have both loans from microfinance organizations (MFIs) and loans from banks has not increased for eight quarters. Although both segments show growth separately from each other.

According to the materials Bank of RussiaAccording to the results of the fourth quarter of 2022, the number of clients who have both loans from MFIs and loans from banks has not been growing and has remained at a level of just over 3.5 million people for eight quarters. At the same time, the number of bank borrowers and borrowers of microfinance companies is growing separately. So, as of January 1, 2023, there were 38.5 million customers in banks, which is 0.6 million more than on January 1, 2022, the number of MFI customers increased over the past year from 3.9 million to 4 million people, follows from the data Central Bank.

Analysts of the financial marketplace Vyberu.ru found that about 14% of borrowers over the past year were simultaneously clients of banks and MFIs.

At the same time, the majority of respondents (67%) took microloans to avoid loan delays. Of these, 73% did not consider the overpayment on loans significant, and 97% admitted that they managed to avoid delays in the bank thanks to the loan.

In 2023, the consumer lending market began to recover after the failure of 2022. Thus, according to Frank RG, in March, banks issued loans to individuals in the amount of 1.34 trillion rubles, which is 35% more than in February. It is noteworthy that growth was shown by all segments of lending. Previously, growth was driven primarily by mortgages, while car loans and POS lending, for example, showed negative dynamics against the backdrop of a shortage of demanded goods on the market and the savings behavior of the population.

In March, the segment of unsecured cash loans showed the highest growth — by almost 39%, to 631.5 billion rubles. The number of such loans increased by 33% to 3 million loans. In the auto lending segment, which was the most affected in 2022, growth in March amounted to 21.5% in monetary terms (up to 39.7 billion rubles) and 14% in quantitative terms (up to 71.1 thousand loans).

POS lending is also recovering: in the reporting month, 1.3 million loans were issued (an increase of 14%) in retail outlets for 39.7 billion rubles. (growth by 23%). The volume of mortgage loans issued amounted to 573.5 billion rubles. This is higher than in February by 35.1%. The number of mortgage loans issued by banks in March also turned out to be higher than in February by 36% (154.3 thousand loans).

The number of MFO clients is growing faster than banks due to the tightening of the scoring policy of banks and more frequent refusals. This leads to a flow of part of the banking audience to MFIs, more specifically to the installment segment (medium-term loans).

“The growth is due to bank customers in the past who are actively interested in the installment segment, which, in terms of its characteristics, is closest to bank loans,” confirms Elman Mehdiyev, chairman of the board of SRO Mir. In addition, this year the client base of large MFIs may be replenished with clients of small companies that have left the market due to new regulatory restrictions, admits Yaroslav Bajurak, executive director of the Vyberu.ru financial marketplace.

“But the growth of the client base of MFIs may be limited by regulatory changes, including the introduction of macroprudential limits. As a result, it will become more difficult for some categories of borrowers to get a loan in 2023,” notes Elman Mehdiyev. In addition, he clarifies, one cannot exclude the fact that, in principle, the financial market has reached its plateau, when the solvent audience is already more or less familiar with the products of both MFIs and banks.

Polina Trifonova