4.42% of overdue payments and 418 thousand in credit debt per resident: how Kirov residents pay banks

      Analysts from a major news agency have prepared a ranking of the payment discipline of Russians, assessing the share of overdue ruble loans in each region. The study showed that the situation in the retail lending market in 2026 remains uneven: while in some republics the share of "bad" debts exceeds a quarter of the portfolio, in others it does not reach three percent.

      According to the published data, the Kirov region is ranked 28th on the list. Local borrowers demonstrate higher discipline compared to the average Russian indicators. As of March 1, 2026, the share of overdue debt of the population to banks in the region was 4.42%. This is lower than the national average (4.59%). Over the year, this figure increased by only 0.33 percentage points — almost half of the overall increase in Russia, where the growth reached 0.60 p.p.

      An important indicator of financial burden is the volume of loans per economically active resident. In the Kirov region, this figure is 418 thousand rubles. This is significantly lower than the national average (489 thousand rubles), reports the publication "RIA Novosti." Kirov residents not only miss deadlines less often, but also owe banks less in general.

      The absolute leaders in payment discipline are Sevastopol (2.67% overdue), Crimea (3.16%), and St. Petersburg (3.23%). The top five also includes Chuvashia and Yakutia. The worst situation, as in previous periods, is recorded in Ingushetia, where more than 25% of loans are overdue.

      Analysts note that nationwide, the level of overdue debt has reached its highest since mid-2019, at 4.59%. However, in 83 out of 85 regions, the dynamics are worsening. The only exceptions are the Kursk and Belgorod regions, where overdue loans have decreased thanks to banking support programs and credit holidays. Experts predict that by the end of 2026, the share of "bad" loans in Russia may approach 5%.