Working to reduce the problems

of borrowers from the Kursk, Bryansk canada telegram data and Belgorod regions”
— In what areas of banking regulation is it plann to focus maximum efforts until the end of 2024 and in 2025?

Right now we are working to reduce

the problems of borrowers from the Kursk, Bryansk and Belgorod regions. We have already issued an information letter, according to which residents of these regions who were evacuated or lost property will be able to receive credit holidays. At the same time, we plan to allow banks not to worsen the assessment of the financial situation of borrowers from these regions and not to increase reserves for loans for three years, the quality of service of which has deteriorated.

I will also list longer-term plans. We are returning to the initiative that we proposed several years ago – to limit investments in immobilized assets (including ecosystems) that are not core to banks. The risks of such 5g side streets will be empty without the fiber interstate highway investments should be borne by bank shareholders, not their depositors. Otherwise, it turns out that both bear the risks equally, and only shareholders receive potential benefits, while depositors receive a fixed return regardless of the success of the ecosystem. We surveyed banks and will take into account the results to determine the limit that should come into effect in 2026.

Year, we also plan to change

the regulation governing the formation of reserves. This will improve both the loan reservation system itself and the assessment of loans to individuals – in particular, we will now take into account in the regulation ao lists the model approach to assessing the borrower’s income, which we recently allowed banks to use when calculating the debt burden indicator. This will simplify the process and increase the speed of decision-making on issuing a loan.