BRSA includes domestic interbank syndicated loans in asset ratio

The Banking Regulation and Supervision Agency (BRSA) announced that it made an update in the Asset Ratio (AR) calculation.

The Banking Regulation and Supervision Agency (BRSA) announced that it made an update in the Asset Ratio (AR) calculation.

 

“In addition to the explanations in the previous board resolutions, as of November 1, 2020, domestic interbank foreign currency loans with a maturity of more than 1 year extended, in proportion to the loan amount provided directly and syndicated loans in proportion to the share of the bank that granted the loan in the syndication AR it has been decided to include the "loans" item in the numerator section with a coefficient of 1.00, taking into account the original maturities at the time of use. "

 

BRSA has included foreign currency loans and syndicated loans of domestic banks with a maturity of more than 1 year extended to other domestic banks in its asset ratio calculation. Counting these loans, which were not included in the calculation before, opened up more room for the banks to act without loosening the asset ratio. In an environment where loan growth will slow down with tighter financial conditions, it will be difficult for banks to convert their resources to real sector loans, including syndications given to other banks will make it easier for them to reach the ratio. Many banks already provide 90%, so the marginal impact will be small.

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