Credit risk
CREDIT_RISK
State
WatchConfidence: High
- Level
- Elevated arrears
- Momentum
- Barely changing
- Reference period
- September 2026
- Computed
- Oct 31, 2026, 03:30 PM MSK
Household arrears are elevated, barely moving. Confidence: high.
What this rests on
as of September 2026| Indicator | Role | Value | Read as |
|---|---|---|---|
| Household overdue share | Primary | 4.78% | Elevated arrears · up |
| Household overdue share · change | Primary | 0.15 pp | Barely changing · up |
| Corporate overdue share | Confirming | 0.04 pp | both halves moving together · up |
| Household credit growth | Context | 7.17% | the denominator: a growing book lowers the share by itself · flat |
| Mortgage overdue share | Context | 1.21% | the secured half of the book · flat |
| Non-mortgage overdue share | Context | 9.73% | everything else households borrow · flat |
Block indicators
latest value and its change on the previous readingCorporate overdue loan debt · primary
September 2026
₽3.2 tn
+₽53.5 bn
Household overdue share · primary
September 2026 · calculated
4.78%
+0.08 pp
Corporate overdue share
September 2026 · calculated
3.59%
-0.01 pp
Household overdue loan debt
September 2026
₽1.8 tn
+₽39.5 bn
Mortgage overdue share
September 2026 · calculated
1.21%
+0.04 pp
Mortgage overdue loan debt
September 2026
₽264.5 bn
+₽10.8 bn
Non-mortgage overdue share
September 2026 · calculated
9.73%
+0.14 pp