many still exceeded the 25% limit on loans email is broken pick up the damn phone! (money monday) with a DTI of 80+. This is not a violation, since the limits must be observed based on the results of the quarter. However, we expect that in February and March, banks will have to further tighten their standards to fit the restrictions. Some banks have already structured their lending process in such a way as to comply with them on a daily basis. For the second quarter, we set the same limit values as for the first. They seem quite conservative.
— You spoke about the possible negative
impact of macroprudential limits (MPL) on lending processes in the short term. At the same time, according to the Central Bank, the negative impact of MPL should be leveled out already in 2024. But what can we expect in 2023? How will this policy affect lending results this year?
— We expect that the dynamics of consumer
lending will be positive by the end of the what does it mean for a website to be seo compliant? year, with a possible portfolio growth of up to 5–10%. At the same time, the growth will be more agb directory balanced: to a lesser extent, it will occur due to indebted citizens and artificial extension of terms to inflate the loan amount.
