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Consumer credit: maturing, but still booming

Overview

Of all the ”booms” in Russia this decade, consumer credit is the most deserving of that overworked label. This market has doubled on average in each of the past five years. Although the inevitable slowdown has started, it is mild. Well positioned financial services players giving out the loans are far from being the only investment play on consumer credit. The core product is loans granted in shops and car showrooms; and this leverage has contributed materially to the earnings...

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