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Retail Bank Lending: Debt Burden is Decreasing

In 2016, the volume of bank lending resumed growth. However, its level remains below the 2014 indicators and is insuﬃcient to curtail the reduction of the population’s loan debt volumes. There is a shift in the retail bank lending debt structure in favor of the long-term and cheaper mortgages. This results in the reduction of the debt burden on the disposable income of the households.