The Ministry of Finance will offer regional banks capitalize on OFZ scheme after June 1, said Deputy Finance Minister Alexey Moiseev. Their support for the Deposit Insurance Agency (DIA) can send 80 billion rubles., Said deputy general director of Agency Andrei Melnikov: “We still have funds allocated 900 billion rubles., Of which, apparently, applications were received for 820 billion rubles.” .
Initially, the government has allocated for recapitalization of banks DIA 1 trillion rubles. In January 2015, it approved a list of 27 potential beneficiaries – banks with capital of more than 25 billion rubles., As well as land for the US and European Union sanctions. 100 billion rubles., Which was originally claimed by the regional banks, in April, it was decided to give the United Aircraft Corporation.
The government is currently developing criteria for inclusion in the list of recipients of state regional banks. The opinion of the Ministry of Finance – the criteria should be exactly the same as for the first group of banks, except that capital requirements be lower, the official said the financial and economic bloc. In talking about the regional banks is discussed in terms of capital requirements in the 2-3 billion rubles., Knows a person close to the supervisory unit of the Central Bank. For the first group of requirements are as follows: the bank must be a member of the deposit insurance system; comply with mandatory standards of the Central Bank; the share of loans to individuals (excluding mortgage) should not exceed 40% of its assets; Bank shall not refuse to grant loans to companies under sanctions.
Economic Development, according to his representative, together with the Ministry of Finance is considering the question of capitalization of regional banks. Among the criteria listed them a new one – the degree of involvement of the bank in lending to small and medium-sized businesses. But the final criteria yet, said a representative of the Ministry of Finance.
After receiving the money from the state, banks will have to fulfill a number of conditions. In particular, to increase its loan portfolio by 1% per month and does not increase the wage fund. Both the requirements of the Ministry of Finance is ready to ease, although some restrictions on the growth of wages management obviously remain, said Moses. As long as there is a proposal to make a closed list of posts in which people can not raise wages, the official said the financial and economic bloc. And to increase the portfolio of loans banks can, buying a sub-federal bonds, says one of the interlocutors “Vedomosti”.
Monthly portfolio increased by 1% forces banks with a large number of clients in priority sectors, which they have already reduced the limits, says the director of Treasury’s regional bank: money received through federal loan bonds, banks can once again these limits increase. But in general, to increase its loan portfolio without sacrificing quality in the region is difficult: “The economy is not growing, the companies do not have credit needs, and if they are necessary, it is mainly those who already have a lot of debt.”
The share of loans to small and medium-sized businesses from small and medium-sized banks is just great, because to serve large customers that the banks can not afford, said Vice-President of the Association of Regional Banks “Russia” Alexander Khandruev. First of all may be to capitalize the banks in the Urals and the Kuban, where the most developed industry and agriculture, he said.
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