Banks are more actively lending to collectors, warming the assignment market

Since the beginning of the year, banks have increased credit activity in terms of funding for collectors. This not only made it possible to revive the assignment market, but also led to an increase in prices on it, according to the online platforms for the sale of Debex delay. Collectors do not deny that they attract bank loans, including for ransom debts. However, the price of portfolios in any case depends on their quality and a number of other factors, and not on the presence or absence of credit funds in the transaction.

According to the online platform for the sale of Debex expired debt, the number of banks lending to the collection business has grown sharply since the beginning of the year. Currently, such banks are at least five, and they credit about 30 collection companies.

According to the FSSP register as of April 25, 2025, in total it consisted of 518 existing professional collection organizations (PKO).

“In September last year, the increase in court duties in September actually stopped the assignment market. Demand for debt portfolios began to recover in December 2024, ”said Debex CEO Marat Brook.“ The appearance of borrowed money from collectors has led to a sharp increase in demand for debts. ”

“Kommersant” interviewed about 20 large banks, but not one of them began to comment on the lending of collectors. However, collectors and reporting of individual market players confirm the expansion of bank financing of collectors. “According to RAS reports, according to the results of 2024, the PKO of the PKB received loans from commercial banks in the amount of 5.7 billion rubles. The amount of credit funds compared with 2023 increased by 26%, ”the company’s press service noted.“ The main creditors according to the results of 2024-Gazenergobank, TKB ”. Sberbank also appears in the reporting as a lender. “Building of credit funds – both using credit lines from banks, and by placing bond issues – is also taking place to purchase bank debt portfolios and MFIs,” the PKO PKB said. According to the reports on RAS, the Idi collector PKO, the volume of borrowed banking funds in 2024 increased from 2.9 billion rubles. up to 4.2 billion rubles. Among the creditors in the reporting appear their bank, Expobank, Sukombank, NRBAK. “For purchases of portfolios, funds raised from bond issues, bank credit lines and own funds are used. In the structure of liabilities of the company, bank borrowed funds, as of the end of 2024, are about a third, ”the Idi collective PKO explained.

“To date, the banking sector has significantly expanded the lending zone for collection agencies, this applies not only to the purpose of the lending, from a classic loan to a renewable credit line, but also the limits,” says Vladislav Gazetsky, Executive Director of the PKO of the regional penalty. According to the founder of Anderida Financial Group, Alexei Tarapovsky, the growth of the number of creditors indicates the stability of the segment, especially in current realities, when banks are extremely conservative in the approach. “It is obvious that the presence of various sources of funding provides maximum stability for a business that plans to grow and develop,” he continues. “One of the areas of this business is the purchase of debt portfolios, the quality of which is directly proportional to the cost. The better the portfolio, the more expensive and the more interesting to the buyer. ”

According to DeBEX, banking financing has already been reflected in prices for expired MFI debts.

“In April, a number of debts from MFIs were sold on electronic sites for a record 20–21% of the face value, which has not been since last summer. On average, the price tags on online platforms reached 19.5% of the OZS, ”says Mr. Brook.“ The peak of the sales of a banking assignment usually falls on the second half of the year. So far, not many banking portfolios have been implemented, but growth trend is already noticeable. ”

However, collectors do not believe that there is a direct correlation between the growth of banking financing and the price of portfolios. “The cost of portfolios is primarily affected by the quality that changes from the period to the period, and the presence of demand from investors,” the press service of the National Association of Professional Collection Agencies notes. “The price of MFI portfolios is subject to volatility, therefore it is early to draw a conclusion based on three weeks of the unfinished month.” In addition, in the MFI segment, the share of direct transactions is quite large, so the prices given by the site do not always fully reflect market ones, and conclude there.

Ksenia Dementieva, Elena Vanyushina