lass=”yoast-text-mark” />>— How do you assess the current state of the germany telegram data key indicators of the Russian banking sector: capital adequacy, reserve levels, compliance with other regulatory requirements? Are there any problems in this regard, and what could be the ways to solve them?
We do not see any significant problems
With capital at the moment. The banking sector. Maintains an adequate capital reserve: as of February 1, 2024 — about 7.5 trillion. Rubles above the level corresponding to the violation of standards — this is enough. To cover losses in the amount of approximately 7% of the loan portfolio. For comparison: in 2022, total expenses on reserves were at the level of 2.5 trillion rubles, or 3% of the loan portfolio.
It should be noted that the capital reserve
Unevenly distributed among banks and, of course, there are players that suffered more during the acute phase of the crisis. Also, some banks have a burden of problems in the form of blocked assets, and we gave them a ten-year grace period how to stay in goods to form reserves so that they could recognize losses at the expense of the profit they earn, and not at the ao lists expense of current capital. Some banks have already almost completely reserved these blocked assets or are transferring them to individual companies.
