Translation. Region: Russian Federal
Source: Mainfin Bank –
How will the Central Bank of the Russian Federation assess the systemic importance of banks?
A major reform to change the approach to assessing the importance of Russian banks planned for the coming years – the regulator plans to introduce several new criteria for analyzing credit institutions. Thus, the Central Bank of the Russian Federation will check:
number of clients – the highest score will be given to banks with a client base of over 30 million people; availability of its own ecosystem – non-core assets must account for over 10% of capital for the regulator to assign the highest score; presence in the payment market – the bank will be checked for connection to the SBP, acquiring, and the ability to issue kart and the availability of self-service devices; cooperation with other banks – will assess how negative the consequences will be for other players if the institution being inspected experiences difficulties; the share of large deposits clients whose funds are not protected by the DIA (account balance over 1.4 million rubles); regional presence – banks operating in populated areas with a population of up to 100 people will receive a high rating.
The introduction of additional verification criteria will allow even small banks with a developed ecosystem or presence in the payment market to be included in the list of systemically important institutions.
What are the risks for banks if they are included in the SZKO list?
The inclusion of a bank in the list of SZKO will entail the application of increased surcharges to capital adequacy standards. Thus, for large banks, the specified standard is 2.5%, and for systemically important banks – 3.5%. In the near future, the Central Bank of the Russian Federation will develop a new matrix of surcharges, which will be differentiated for different organizations.
“Increased premiums are necessary so that if the bank’s financial situation worsens, there are more opportunities to emerge from the crisis,” noted the regulator’s representatives.
At the same time, reduced capital allowances have been in effect in Russia since 2022 – the relaxations were due to the crisis and the regulator’s desire to reduce the burden on business. By 2028, all relaxations are planned to be lifted.
15:00 05/27/2025
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