Irina Grigoryeva
Senior Vice-President, Loco-Bank
The country GDP growth rate is almost at zero, this means that the production practically does not grow, there is no incentive for the creation of new enterprises. The forecasts of GDP growth is less than impressive. Therefore, companies that keep afloat, circulate through the banks. In other words, there are no new customers in the credit market. All this is backed up with economic sanctions against Russia.
Despite all the hardships, our bank manages to control the situation, thanks to operational monitoring of portfolio quality and taking rapid measures. Bank urgently rebuilt the lending model, taking into account the geopolitical and economic risks, and currently we are still continuing to fund SME customers, moreover, the plans are quite ambitious and focused on positive dynamic benchmarks.
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Spartak Solonin
Vice-President, Deputy Director on small business clients care, VTB 24
Of course, small businesses, being the most vulnerable segment in terms of dependence on macroeconomic factors, respond to the stagnation in the economy. Most clearly the decline of investment lending is felt - the development of existing areas, the discovery of new, re-engineering, etc. Dependence of investment demand on the macroeconomic component is significant.
Decline in demand for working lending has less critical values, but it is also felt by all players in the financial services market. Thus, the overall macroeconomic component significantly affects the rate of demand of small businesses, including credit.
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Roman Gavrilov
Vice-President, Managing Director on small and medium business clients, Life Financial group
Unfortunately, yes. We realise that the small business experience difficulties in servicing its credits.
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