Aleksey Shitov
CEO, CJSC CB Zlatkombank
Demand for credit resources now is higher than ever. This is due to a decrease in real income of companies and physical entities (which, in turn, remain extremely over credited). The companies need to develop, which is impossible without the influx of additional investments or raising of credit resources. On the other hand, the physical entities are interested in the issues of refinancing of their current obligations.
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Kirill Petrov
Senior Vice-President, Binbank
Of course, the sanctions have an impact on economic activity. The main problem is the difficulty of forecasting of the economic situation. So, to expect a slowdown in demand of reasonable borrowers is well justified.
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Yelena Fedotkova
Promsvyazbank, Manager on research and analysis of debt markets
Corporate portfolio of banks from the beginning of the year increased by 11%, while in the previous year during the same period, the increase was 7%. Although there is part of the revaluation effect: about a quarter of loans are accounted for a currency component - nonetheless, the market participants noted the increased demand for the loans from the corporate segment.
This is partly related to the closure of the international platforms. For example, in August 2014 - March 2015 the banks would need to repay the external debt of around $ 38 billion, the companies even more - about $ 83 billion (in aggregate more than 7% of bank assets). So, the demand for resources exists. As for the retail, there is a matter of solvent demand - about a quarter of the population income is spent on debt servicing.
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