At the same time, we are now actively developing netherlands telegram data new criteria for recognizing banks as systemically important. The factor of participation in large ecosystem groups, along with other criteria such as the size of assets, the volume of deposits and participation in other segments of the financial market, will be an additional basis for classifying banks in this category and establishing higher capital adequacy surcharges for them.
— Are these the changes that the Central Bank also discuss with the market back in 2020?
In 2020, we releas a report
on how it would be right to establish differentiat surcharges depending on the importance of the bank. But then life made its own adjustments, and we temporarily froze these plans, but now we want to return to them. The basic idea remains the same, but now we have work it out in much more detail.
Firstly, to determine the significance
of a bank, we want to take into account not only the size of its assets, but also the scale of its “ecosystem” business, as well as the impact on the deposit insurance system and other market participants in the event of problems with the banking group. Secondly, we want to distribute SZKOs into groups depending on their significance, and on this basis establish differentiat capital allowances. The logic here is very simple – the larger the bank, the higher the level of its influence on after visa and mastercard the financial system, the better it should be protect from risk. This is important for maintaining financial stability as a whole. This approach is us in many countries, in particular in China, the USA, India, Japan, Brazil and others.
By the end of the first half of 2025, we plan to publish america email the concept of the new methodology for discussion with the market. But the implementation itself will be much later, because banks must first restore general surcharges to capital adequacy standards by 2028.
