Credit concentration on large indonesia telegram data companies. It lies in the fact that some of our companies are larger than banks. If such a company attracts many loans from one bank, then in the event of its default there is a threat to the financial stability of the bank. And since such companies usually lend to large, systemically important banks, then the risk arises for the entire financial system. The problem is aggravated by the fact that Russian companies cannot borrow abroad now and are forced to refinance existing external debts, that is, the need to attract financing from Russian banks will only increase.
To limit such risks, it is optimal
that the size of loans issued to one company – or more precisely, a group of related companies on a consolidated basis – does not exceed 25% of the bank’s capital. Then, in the event of a borrower’s default, there is a high probability that the bank, even having created reserves, will not break the capital standards and will maintain financial stability. Historically, we have given concessions, allowing individual banks to lend to companies under sanctions above this threshold. At that time, this was justified, because due to the threat of secondary sanctions, not all banks were ready to work with such companies. But now this is no longer relevant, since almost all large banks are under sanctions.
Solution to the problem, rather
wait until risks increase in individual banks. As such a solution, we see, on the one hand, tightening the regulation of concentration standards. In particular, for systemically important banks, we plan to introduce a new standard H30 on a the difficulty was that there consolidated basis and a more stringent one – without reduced weights, it will be related not to the entire ao lists capital, but only to the main one. We will introduce H30 gradually until 2030, so that there is time for adaptation. By the middle of this year, we plan to issue a consultative report on this topic.
