And then?

In addition to sluggish demand and stringent criteria for selection of borrowers, there are several reasons that prevent the revival of mass automobile loans. "The presence of the banks problems with the existing loan portfolio, liquidity problems, customer churn segment SME, the retention of which are needed lending, lack of necessary technology and so on - explains Michael Vlasenko, chairman of the board of OAO Astra Bank. - In addition, each bank has its own strategy and tactics change the format of doing banking business in post-crisis economic conditions. Many leave the market for retail lending and focus on other segments. "Today, lending is not a priority for most banks, in principle. In the priority they have - increasing its own liquidity, deposit mobilization and "struggle" for the quality of loan portfolio ", - adds Anton Shaperenkov, Head of product development for retail business VAB Bank.