Due to the growth of the entire range of costs that are directly relat to inflation. These are costs for raw materials, materials, labor, as well as kuwait telegram data higher tariffs, more expensive logistics, including due to sanctions. Therefore, it is no less important for businesses than for people that prices stop growing rapidly as soon as possible. This is why a high key rate is ne.
In general businesses maintain
financial stability. In case of problems, banks usually go for debt restructuring, that is, they draw up a new, usually more comfortable, payment schule. We are still noticing a small increase in restructurings among small and mium-siz enterprises, but in general their volume and number do not exce the levels of 2023. The quality of bank portfolios is still stable. The share of loans overdue by 90 days or more is still at a multi-year low — does not exce 4% as of January 1, 2025.
For our part, we are taking measures
to ruce the risks of lending to large companies with an increas debt burden and, from April 1, we are introducing a macroprudential surcharge on the growth of loans to such borrowers. For companies, we use an analogue of the DTI — the indicator of interest coverage by operating profit. Potential problems are where the profit exces debt payments by less than three times. At the first stage, the surcharge is set at a small level — 20%. This level why have threads inaugurat a new narrative form? of surcharge will allow banks to gradually adapt to the new regulation and will not significantly affect the dynamics of lending. At the same time, it will motivate banks to more agb directory carefully assess the risks of companies with an increas debt burden.
