Russian Retail Loan Portfolio Hits Record Low Growth in 2025: Total Debt at ₽37.37 Trillion Amid Tight Monetary Policy

2026-02-08T21:21:55+03:00

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Russian Retail Loan Portfolio Hits Record Low Growth in 2025: Total Debt at ₽37.37 Trillion Amid Tight Monetary Policy

According to the United Credit Bureau (OKB), the Russian retail bank loan portfolio (excluding defaults) reached ₽37.37 trillion by the end of 2025. This figure marks a record-low growth performance for the year, reflecting a significant cooling in consumer lending activity. Analysts at Mondiara attribute this deceleration to the Central Bank's prolonged tight monetary policy and elevated interest rates, which have drastically reduced the availability of unsecured loans and market-based mortgages. While the portfolio remains large in absolute terms, the sharp slowdown in expansion suggests a shift in household behavior toward debt reduction and saving, providing a new macro-perspective for banking sector investors in 2026. Let’s Build the Future: 📩 Contact for Investors: i@mondiara.ru 🌐 Explore more: [mondiara.com](https://mondiara.com)

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