Банк России опросил 56 банков, на которые приходится 85% совокупного кредитного портфеля. Почти половина опрошенных банков во втором-третьем кварталах намерены снизить ставки по всем видам кредитов, смягчить требования к заемщикам и залогам по кредитам. При этом больше половины опрошенных (55%) ожидают повышения спроса на новые кредиты.
ЦБ в своем исследовании отмечает, что кредитные условия улучшились уже в первом квартале. В частности, банки снижали ставки, рассчитывая на снижение инфляции. В марте по краткосрочным рублевым кредитам населению средняя ставка снизилась по сравнению с декабрем на 0,3 п.п., до 23,9% годовых, а по среднесрочным — на 0,7 п.п., до 20%. Для крупных компаний условия также улучшились: средняя ставка уменьшилась на 0,5 п.п по сравнению с декабрем и достигла 12,7%. В долгосрочном периоде ставка выросла на 0,9 п.п., до 13,4%. Для сегмента малого и среднего бизнеса краткосрочная ставка снизилась на 0,3 п.п., с 16,4 до 16,1%. Однако, снижая ставки, банки не меняли требования к обеспечению по кредитам.
Во втором-третьем квартале банки ожидают, что в розничном сегменте, включая ипотеку, продолжится снижение ставок и значения предельной стоимости кредита, а также смягчатся отдельные требования к обеспечению по кредиту. К этому банки подтолкнет конкуренция, отмечает ЦБ. Около семи банков планируют присоединиться к программе субсидирования ипотечных кредитов, что улучшит условия кредитования в этом сегменте, говорится в материалах опроса ЦБ. Впрочем, руководитель направления рисков банка «Глобэкс» Евгений Ретюнский не прогнозирует заметное понижение ставок в этом сегменте.
Для корпоративных заемщиков снизится ставка по кредитам, при этом банки рассчитывают привлечь более надежных заемщиков. На улучшение условий по корпоративным кредитам повлияет стабилизация в отдельных отраслях экономики, прежде всего ориентированных на экспорт: нефтегазовой, металлургической и химической промышленности, отмечает руководитель группы банковских рейтингов АКРА Кирилл Лукашук. По прогнозам Евгения Ретюнского, средняя ставка по краткосрочным кредитам для крупных компаний снизится до 11,5–12%, то есть на 0,7–1,2 п.п. У заемщиков — компаний малого бизнеса ставка будет 17–19%, у средних компаний с оборотом от 1 млрд до 6 млрд руб. ставка снизится до 13–14,5%. По итогам первого квартала средняя ставка по кредитам МСБ составила 16,1%. По прогнозам управляющего партнера НАФИ Павла Самиева, ставки по потребительским кредитам населения снизятся к концу лета на 1–2 п.п.
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)
ЦБ в своем исследовании со ссылкой на опрошенные банки отмечает, что в сегменте кредитования малых и средних предприятий смягчение условий будет таким же, как в сегменте крупных заемщиков. Главный аналитик Сбербанка Михаил Матовников говорит, что улучшить условия кредитования банкам позволит переход от дефицита ликвидности к профициту. При этом ставка не будет ключевым фактором, влияющим на принятие решений банков в этой сфере, потому что стоимость привлечения средств уже снизилась по отношению к ключевой ставке, говорит аналитик.
Банки рассчитывают на повышение спроса на кредиты, особенно в сегменте потребительских займов, сказано в исследовании ЦБ.
Как говорит зампред правления ОТП Банка Александр Васильев (принимал участие в опросе ЦБ), банк действительно планирует снижать ставки в сегменте POS-кредитования, но не очень сильно. «При снижении ставок мы в первую очередь будем смотреть, какой товар приобретает клиент. Обычно платежная дисциплина выше у клиентов, приобретающих мебель и меха», — отмечает банкир. В целом ОТП Банк прогнозирует увеличение одобрения кредитных заявок и поток более качественных заемщиков.
Не все банки настроены оптимистично. Например зампред правления банка «Возрождение» Андрей Шалимов говорит, что, несмотря на уже произошедшее снижение ставок по ипотеке и по потребительским кредитам, системных сдвигов пока нет. «У некоторых заемщиков происходит улучшение финансового состояния, но точечно», — отмечает он.
Банк России отмечает в исследовании, что банки адаптировались к сложным экономическим условиям, и утверждает, что в банковском секторе есть предпосылки для постепенного восстановления кредитной активности без ущерба качеству кредитных портфелей.