Subject. The article deals with lending to individuals in commercial banks. Objectives. The purpose is to investigate the evolution of bank lending to individuals in Russia and determine directions for its further development. Methods. The study rests on general scientific methods, such as description and classification, and universal rational-logical methods of cognition, including analysis, synthesis, and induction. Results. The paper highlights and examines development stages of bank lending to individuals in Russia, reveals the key features of each period. I explored the lending practice to individuals on the case of PAO Sberbank, the country's largest commercial bank, in all segments of the credit market, and offered areas for improving the process of retail lending. Conclusions. The findings may be useful for retail banking professionals, researchers who are interested in how the state of the consumer lending sector affects the conditions for economic growth in the country.
Keywords: bank, borrower, lending, individual, loan, credit product
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