Translation. Region: Russian Federation –
Source: Central Bank of Russia
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From January to June 2025, the number of borrowers from banks and microfinance organizations (MFOs) decreased by 0.2 million, to 49.7 million. Their debt also decreased, to 37.8 trillion rubles.
The number of borrowers with three or more loans is declining, but they account for almost half of all household debt. At the same time, the behavior of bank borrowers has changed: they are repaying their existing loans more often than taking out new ones.
At the same time, against the backdrop of stricter requirements from banks, a shift of borrowers to microfinance organizations (MFOs) was observed. The number of their clients reached 13.8 million (1.7 million in the past six months). However, starting in 2026, MFOs will be required to calculate borrowers' debt burdens either based on official income sources or on per capita income according to Rosstat. This will limit the risk of over-indebtedness among individuals.
Read more in the information and analytical material "Analysis of trends in the retail lending segment based on credit bureau data" for the first half of 2025.
Preview photo: Oleg Elkov / TASS
Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.