The share of loans with terms exceeding 3 years reached 52.5% of the total lending volume, while last year this figure was less than 30%.
It is worth noting that in June of this year, loans for more than 3 years for the first time in the last five years exceeded 40% of the total volume and have remained at this level since then.
Preliminary data on the distribution of new loans by terms for September 2025:
| Term Segment | Share in Total New Issuance |
| 0–1 month | ~1.0% |
| 1–3 months | ~0.4% |
| 3–6 months | ~5.8% |
| 6–12 months | ~11.9% |
| 1–3 years | ~28.4% |
| Over 3 years | 52.5% |
