A fork in the road: to include in the risk-sensitive mexico telegram data limit (RSL) only that part of the fixed assets that exceed 10% of the capital, or all the fixed assets of the bank, but at the same time increase the size of the limit itself by the same 10%. We then chose the second option – it is essentially less strict for banks.
Are plans to set a risk-sensitive limit for immobilized assets at 30% of the bank’s capital still in place? And if so, according to what schedule?
plan to leave the target limit level the same
— 30%. We will start with a limit of 100% and reduce it to the target within 5 years. Compared to the initial schedule for introducing the limit, we plan a smoother transition, which will soften the impact on capital in the first three years of introducing the limit. This will give banks time to adapt — sell excess assets or ensure capital coverage of those assets that they consider necessary for building their ecosystems. After discussions this year, we will prepare a package of regulatory changes so that they come into effect from October 2026.
The Bank of Russia’s regulation
Aimed at banks twitter threads, the new narrative that are the center of ecosystems. What will change for banks that are part of ecosystems but are not their largest asset? For example, subsidiaries of marketplaces or telecommunications companies. What kind of regulation are you preparing for them?
They themselves do not bear “ecosystem” risks agb directory directly. Rather, the situation is the opposite, they depend on support from larger non-financial “moms”. Therefore, the RCL will not be a limiting factor for them.
