Financial Sector Overview
Bank of Russia FINANCIAL SECTOR OVERVIEW
The Central Bank of the Russian Federation
BANKING SECTOR: INTRODUCTION OF PTI
The Bank of Russia introduces a payment to income ratio for regulation purposes
Effective from 1 October 2019, the Bank of Russia intends to set add-ons to the risk coefficients depending on the
payment to income ratio (PTI) and the effective interest rate (EIR).
EIR interval, %
PTI interval, %
0-30
30-40
40-50
50-60
60-70
70-80
80+
0-10
0.3
0.3
0.3
0.6
0.7
0.9
1.1
10-15
0.5
0.5
0.5
0.7
0.8
1.0
1.2
15-20
0.7
0.7
0.7
1.1
1.3
1.4
1.6
20-25
1.0
1.0
1.0
1.5
1.7
1.8
2.0
25-30
1.3
1.3
1.3
1.8
1.9
2.0
2.2
30-35
2.0
2.0
2.0
2.1
2.2
2.3
2.5
35+
5.0
5.0
5.0
5.0
5.0
5.0
5.0
EIR interval, %
0-10 10-15 15-20
20-25
25-30
30-35
35+
Value of add-ons
0.6
0.7
1.1
1.5
1.8
2.1
5.0
Source: Bank of Russia
Values of add-ons to the risk coefficients
applied to unsecured consumer loans
subject to calculation of PTI
Higher level of add-ons will be applied to
loans with PTI exceeding 50%.
Banks will calculate PTI in accordance
with Appendix 1 to Bank of Russia
Ordinance No.4892 U when making a
decision on granting a loan in the
amount (total credit amount) of P10,000
or more or an increase in the total credit
amount on a bank card.
Values of add-ons to the risk coefficients
applied to unsecured consumer loans for
which PTI calculation is not obligatory
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