The top 10 banks with a customer base of fewer than 3 million loans… (банк · жалоба · доход)
The top 10 banks with a customer base of fewer than 3 million loans include: Bank BZHF, Soyuzbank, Metalinvestbank, Sinaira Bank, MB Rus Bank, Ak Bars Bank, Absolute Bank, Zenit Bank, INGRO Bank, and UBRIR. In Russia, the scheme for calculating unverified borrower income will change starting from July.
Consensus
- The Central Bank of Russia modified the method of calculating bank rankings based on customer complaints about lending services.
- Starting from July 1st, Russian banks will use a new formula for calculating unverified income of potential borrowers.
- The new formula will apply a 90% coefficient to declared unverified income and consider regional Rosstat levels.
- The goal of these changes is to improve the accuracy of debt burden assessments and reduce credit risks.
- The changes will mainly affect borrowers with unverified or hard-to-verify income, such as self-employed individuals, entrepreneurs, and employees without official salaries.
Points of divergence
- The Central Bank of Russia changed the method of calculating bank rankings by considering only justified complaints about lending services, including those submitted to the financial ombudsman, and not just to the Central Bank. — interfax
- The change in methodology for assessing unverified income was made by the Central Bank of Russia, and it is based on a formula that uses 90% of the declared income with regional limits. — vesti
- Banks are now divided into two groups for comparison: large lenders (over 3 million loans) and others (under 3 million loans). — interfax
- The change was made by a financial expert, not directly by the Central Bank, and it is based on a formula that uses 90% of the declared income with regional limits. — vesti
Coverage (3 sources)
- Central Bank of Russia Changes Method for Calculating Bank Rankings Based on Customer Complaints About Credit Services — Интерфакс
- Russia to change the calculation scheme for unverified borrower income starting in July — Вести
- Credit history formation rules will change in Russia from July 1 — Вести