Key Facts
- ✓ Banks provided relief on 1.72% of all active retail loans in the previous year.
- ✓ Changing the payment date accounted for 65.6% of all relief measures.
- ✓ More effective measures include not accruing interest on overdue amounts and replacing collateral.
Quick Summary
Banks provided relief measures on 1.72% of all active retail loans in the previous year. The most widely used method was changing the payment date, which accounted for 65.6% of all relief actions.
While this is the simplest way for banks to offer concessions to borrowers, it is gradually losing market share to more effective alternatives. These include not accruing interest on overdue amounts and replacing collateral. Experts indicate that restoring payment discipline increasingly requires complex measures, a trend expected to continue.
Loan Relief Statistics
Banks provided relief on 1.72% of all active retail loans last year. This figure represents the total volume of concessions granted to borrowers facing financial difficulties.
The data highlights that while the majority of loans remain in good standing, a specific segment requires intervention. The banking sector has established mechanisms to address these cases, aiming to prevent defaults and support borrowers.
Dominance of Payment Date Changes
Changing the payment date remains the primary method of relief, representing 65.6% of all concessions. This method is favored because it is the most straightforward way for banks to grant concessions to borrowers.
Despite its popularity, this measure is slowly losing its share to more effective alternatives. The reliance on this simple solution is decreasing as the market evolves.
Shift to Effective Measures
More effective measures are gaining traction among lenders. These include not accruing interest on overdue amounts and replacing collateral.
Other strategies involve:
- Complex restructuring of debt
- Adjustment of loan terms
- Substitution of assets
These methods are considered more efficient in managing the long-term financial health of both the borrower and the lender.
Future Trends
According to experts, complex measures are increasingly necessary to restore payment discipline. This shift is driven by the need for sustainable solutions rather than temporary delays.
The trend of utilizing more comprehensive strategies is expected to persist. The focus is shifting toward ensuring that borrowers can meet their obligations through structural adjustments rather than simple postponements.
