developed by Russian banks restructuring loans for private individuals have virtually no effect. They took advantage of a few percent of the borrowers.

On June 1, Russia's largest creditor - Bank restructured the public currency loans for 2.8 billion rubles., ruble - by 360 million rubles., said the representative of Sberbank Irina Kibina. The total volume of retail portfolio of the bank on May 1 - 1.3 trillion rubles. Thus, the proportion of restructured loans is only about 0.2%.

Director of the Credit to the private clients of Sberbank Dmitry Мохначев added that the restructuring of almost 90% of foreign currency loans reduced to their conversion in the ruble. Delays had not been. Private clients seek to maintain a good credit history. In addition, bank grants loans under the sponsorship of other natural persons, adds Мохначев. The main reasons for which customers are asked to restructure, - loss of employment or reduction of income, he adds.

In my opinion, it is little wonder few, - said one of the managers of the bank. - Although I would not say that our borrowers situation better than others. He admits that the vast majority of borrowers do not fall within the terms of the restructuring of mortgages that the bank holds in conjunction with AHML - it the largest volume applications. What was the total amount of applications for change of conditions on loans, the Savings Bank representative declined to speak.

main rival Sberbank - VTB 24 restructured 2.26% of portfolio mortgage loans, retail credit for the rest of the level of restructuring is minimal, said Chief Financial Officer of the Bank Mikhail Berezov. However, in the past three weeks, VTB 24 restrukturiruet of 50 consumer loans, adds director of the department for retail business bank Georgy Gorshkov. On June 1, the retail portfolio of the bank stood at 310.7 billion rubles., Said Berezov.

The Bank of Moscow the situation is similar to the average, the representative bank's Anastasia Belyanin, the current proportion of restructured loans in the retail portfolio is 2-3%, the portfolio now - about 92 billion rubles.

Rosbank for I quarter of 2009 restructured the retail loans to 600 million rubles. (0.5% of total portfolio), the press service of the bank.

modest share of the restructuring of retail loans could be attributed to the peculiarities of such operations, said an analyst Moody `s Eugene Tarzimanov. Some banks do not consider theirrestructuring, if the issuance of the new loan rate is increased or changed the other material terms. In general, the banks restructured the system for about 5-7% of retail loans, says an expert.

While the majority of applications came from people who can pay, but doubt their ability to pay, after a possible second wave of the crisis. They refused. But if the situation deteriorates, the marked increase in the proportion of restructured loans could happen towards the end of the year, expects the manager of Sberbank.

representatives of Alfa Bank and Uralsib the amount of restructured loans have refused to disclose. In Raiffeisenbank request remained unanswered.