Abstract
Growth rates of the credit portfolio have notably decreased compared to the prepandemic period. This is due to a decline in demand for credits from the population and more stringent bank requirements to the borrowers. In the meantime, despite a reduction in the interest rates and imposition of a tax on bank deposits interest, banks have failed to ramp up retail deposits volumes. This was mainly due to the return of the part of population to the savings behavior pattern during the pandemic.
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