PSB took over cleaning the loan portfolio: are on sale debts of private borrowers for 240 million rubles. The bank recognized that the highest percentage of nonperforming loans - in retail, said Infox.ru. Collection agencies have received from the PSB's invitation to participate in the tender for the purchase of debt on retail loans. "We received an invitation" - told in one of the collection agencies. In another agency on condition of anonymity said they also received an invitation to tender by PSB. "The tender is underway. Currently working on the preparation of documents. Portfolio for assessment will be given later, "- explained collectors. In Promsyazbank confirmed that they are considering the possibility of selling to collectors, "a small fraction of the retail portfolio, the order of 1%." On May 1 this year the volume of loans granted to individuals by the bank amounted to 40 billion rubles. PSB is considering selling the collectors of a small fraction of the retail portfolio of consumer (unsecured) loans. January 1, 2010 portfolio of such loans is 24, 3 billion rubles, specified in the press-service. The total volume of overdue loans to PSB (including ICB and promissory notes), is 8.42%. Arrears on loans of individuals reaches 19.59%, legal entities and individual entrepreneurs - 10.39%. The newsletter for investors PSB for March 2010 states that "the amount of nonperforming loans increased more than fourfold compared with the beginning of 2009 and was, according to preliminary data, about 12,5% of total loans. The largest percentage of nonperforming loans - in retail. The bank is due to reduced portfolio through ongoing repayments against the backdrop of limited new loans. To improve the quality of assets adjusted PSB offer banking products, has tightened requirements for borrowers and increased monitoring of the loan. In addition, credit terms have been reduced, increased requirements for quality and size of the software. "In retail lending, the bank stopped lending to new customers, have been revised lending procedures and scoring models, and how to recover" - is written on the ballot. Previously, debt collectors have complained that now the volume of supply in the market of large, but the quality of the exposed portfolios is low. By some accounts may delay up to five years. Vendors do not always recognize it and want to sell loans more expensive. On a consolidated analytical data of the Central Bank and debt agency inspector, the volume of arrears in Russia in 2008-2009 increased by 2,5 times. Delay grew out of a decline in lending in 2009 to 46% compared with the previous period, rising unemployment by 2%, and the complexity of the operational organization of the bank is in arrears. When buying a portfolio of loans collectors get a percentage of the amount owed, offered for sale. "Last year it was from 1,5 to 3,5%. This year will be more. The market is overheated, many people wishing to participate in transactions "- said a representative of one of the agencies. According to the debt agency inspector in 2009, the selling of debt portfolios totaled $ 1.3 billion "By our estimates, in 2010 the estimated volume of the portfolio offered for sale at $ 2.5 billion," - said Senior Vice President police officer, Sergei Shpeter.
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