The risks of such restructurings are manageable, since hong kong telegram data problems can mature gradually and banks will create the necessary reserves from profits. Even if some bank needs to create a lot of reserves at once, this is also not a problem due to the relaxations in capital allowances that I mentioned.
We are actively working to limit the issuance of risky loans
— What are the main risks for the Russian banking system now, how serious are these threats, and
— There are several main topics that concern us most now; it is clear that we pay attention to other things, but these are the ones that are in the greatest focus of our attention.
One of them is the risks of retail lending, in particular mortgages, I have already spoken about this. We are actively working to limit the issuance of risky loans using macroprudential allowances. However, they are not always effective, especially if the bank has a significant capital reserve. Therefore, we expect that we will soon be able to apply macroprudential limits in mortgages, and not only in consumer lending.
A related issue of the quality of construction
loans. At the moment, everything is fine, but the volume of such loans is large – 6.1 trillion rubles, which is about 8% of the entire corporate portfolio in preparation for the start of banks, or about 40% of their capital. It is important that there is no deterioration, surprises, as with the default of certain large developers in China, who took on a lot of debt for the rapid growth ao lists of business volumes, but overestimated their strength and were unable to service them. Recently, against the backdrop of high sales and large-scale government support programs, our developers have also started many projects, counting on maintaining increased demand.
