Loans and advances to customers

RUB million As of 31 December 2011 As of 31 December 2010 Change, %
  Amount % of amount Amount % of amount  
Commercial loans to legal entities 4,012,885 47.9 2,708,692 43.7 48.1
Specialised loans to legal entities 2,563,695 30.6 2,163,486 34.9 18.5
Corporate loans 6,576,580 78.5 4,872,178 78.6 35.0
Consumer and other loans to individuals 943,964 11.2 635,689 10.3 48.5
Mortgage loans to individuals 777,357 9.3 603,778 9.8 28.7
Car loans to individuals 84,206 1.0 80,265 1.3 4.9
Loans to individuals 1,805,527 21.5 1,319,732 21.4 36.8
Total 8,382,107 100.0 6,191,910 100.0 35.4
The Group’s total loan portfolio increased 35.4% in 2011 to RUB 8,382.1 billion as of the end of the year.

The corporate loan portfolio grew 35.0% over this period to reach RUB 6,576.6 billion. This growth was driven primarily by commercial loans, most of which were issued to Russia’s largest companies in the machine building, power engineering, food processing and agriculture sectors.

The retail loan book also significantly increased in 2011 (by 36.8% to RUB 1,805.5 billion) on the back of stronger demand for consumer and mortgage loans.

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