Current trends in the retail lending market raise more questions than answers. And all, because the current situation resembles the precrisis period of 2013-2014, when within half a year the banking system experienced enormous pressure, which negatively affected the dynamics of development of retail lending in the first place. The reasons for such parallels are many. The purpose of the work is to identify trends in the retail lending market, leading directions, which is the main driver of growth, and most importantly, that can lead to problems in the future.