VTB is ready to stop retail unsecured lending

VTB has developed more than three dozen initiatives for capital optimization in 2025. Bank is ready to stop unsecured retail lending to the level of the minimum possible conveyor load, said the bank's first deputy chairman Dmitry Pyanov. This will result in a negative retail loan portfolio dynamics in 2025 and a loss of market share in these segments, but will free up almost ₽100 billion of capital.