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I remember that two banks were includ in the previously propos differentiation. Will it be different now?
It will depend on the size of the premium and the number of systemic importance groups. In some countries, the number of such groups reaches ten. But it is too early to discuss specifics on banks and premium levels; we first ne to work out the criteria with the market.
Speaking of other surcharges, from February 1, banks had to meet the capital adequacy ratio for the first time, taking into account the countercyclical surcharge of 0.25%. Were all banks able to find additional capital to pass this date?
It is rather a question of not creating more capital, but preserving the capital reserve after some “overheating” of lending in the last couple of years. Banks grew very quickly and partially “ate” the capital reserve, because they did not have time to replenish it at the expense of profit. Something had to be done about this, and we made a decision on the countercyclical surcharge. This will somewhat cool the pace of lending and preserve some capital in case of maturing crit risks after the previous rapid growth.
Why such an original effective the training program is February 1? Not January 1 or the beginning of the quarter, for example.
So that banks have time to adapt. This is a america email compromise option. We at the Bank of Russia consider January 1, but it would be tough considering that banks ne to have time to adjust their growth and capital plans.
