This pace of increase is 1-and-a-half times higher than the rate of credit growth and also constitutes a massive difference as compared to the same period last year. Most of this credit has been used as capital invested into production, retail and business development. Another noticeable point is the deceleration of bank capital into property, which makes up only 11% of the total outstanding balance. This number is 3-7% lower than the same period of 2 years ago. However, capital generation has experienced a very slow growth of 3%./.
