Aleksey Shitov
CEO, CJSC CB Zlatkombank
Service quality gradually decreases. In their turn, the banks are tightening requirements to the new borrowers - both physical and legal entities. Of course, this is the result of geopolitics as well, pressure of a number of Western States and institutional investors on Russia. It is quite obvious that the inflation will be higher for this year than it was prescribed in the initial guidance of the Government and the Central Bank, which were set in 2014, the growth rate of industrial production is almost zeroed, there is almost no inflow of investment into the economy. Stock and currency markets are "fevering" amid uncertainty in the South-East of Ukraine. In such circumstances, we should not expect rapid economic growth and we all need to tighten our belts.
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Kirill Petrov
Senior Vice-President, Binbank
Service quality of new loans directly depends on the quality of new borrowers under the risk policy of the bank. If the bank tightens policy on risks, the quality of new loans may be higher even in the conditions of negative economic trends in Russia as a whole.
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Yelena Fedotkova
Promsvyazbank, Manager on research and analysis of debt markets
The deterioration of the economic situation (in Q2 we received technical recession) would definitely affect the financial state of corporate borrowers. Therefore, it is unlikely that in general we can talk about the growth of credit quality. On the other hand, the scoring models of key market players in the retail loans sector were revised more actively in 2013. So gradually we are seeing maturing of retail portfolios and expect stabilization of the situation in the second semi-year due to the more high-quality loans newly issued to the physical entities.
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