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So far all the responses on the limit of debt load of Russian individuals was only of negative properties. Everybody predicted big problems in the future, a number of these oracles, even the world Bank. Completely different point of view, the rating Agency Moody's.
the Agency does not expect a significant deterioration in the quality of Bank assets due to the observed rapid growth of retail lending in Russia.
first, Moody's notes that the current situation differs from the one that happened in 2014. Then, during 2012 and 2013, lending grew really too rapidly, the rate of growth is much calmer.
second, the current lending is at significantly lower rates. The stakes are lower so that they compensate for the growth of debts, increasing borrowers ' ability to serve them.
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