The Central Bank of Russia announced a significant increase in consumer loan restructuring, rising by 79 percent year-over-year in the second and third quarters of 2025, signaling ongoing financial difficulties for borrowers amid an economic slowdown.

• 3.6 percent of Russia’s unsecured consumer loan portfolio was restructured in the six months prior to the end of Q3 2025.
• German Gref, CEO of Sberbank, previously predicted a phase of “technical stagnation” for the Russian economy in Q2 2025.
• Borrowers with a debt-to-income ratio above 50 percent are most prone to loan delinquencies, despite a decrease in early-stage delinquencies on new loans.