Overdue Loan Debt Drops for Transbaikal Residents After Year of Growth

Residents of Transbaikal have intensified debt repayment efforts by December 2025, resulting in the first decrease in overdue loan amounts in a year.

Feb 20, 2026

The total amount of loans among Transbaikal residents is growing.
Source:
Ilya Barkhatov / 74.RU

Overdue debt on loans to individuals in Transbaikal (a region in eastern Russia) as of December 1, 2025, decreased for the first time in the past year — by more than 100 million rubles (approximately $1 million at current rates). Such data is provided in the special information service on the Bank of Russia website.

Overdue debt is debt not repaid on time for the principal amount and/or scheduled interest for using the loan, as well as other payments under the credit agreement. From the moment overdue payment occurs, the bank accrues fines and penalties, the amount and calculation principle of which are specified in the credit agreement.

Thus, according to the Central Bank of Russia (CBR), by December 1, 2025, Transbaikal residents had not repaid loans to banks on time amounting to 11.5 billion rubles (approximately $115 million at current rates). This indicator had been growing throughout the year — from December 2024, when the volume of overdue debt was 9.9 billion rubles (approx. $99 million), and by November 1, it had grown to 11.6 billion rubles (approx. $116 million).

Meanwhile, the total volume of loan debt among residents of the region to banks by December 1, 2025, increased — to almost 243 billion rubles (approx. $2.43 billion at current rates). Only in November 2025, Transbaikal residents took out loans amounting to 12.85 billion rubles (approx. $128.5 million).

In October 2025, a column on Chita.Ru discussed how Transbaikal residents have been taking out more loans and arranging more mortgages against the backdrop of high interest rates and growing overdue debt.