After analyzing the state of the domestic banking system, the Ministry of Finance of the Russian Federation began to consider the initiative aimed at increasing the size of the minimum capital to a mark of 1 billion. rubles. If the proposal supports the government, then in this case, Russian financial organizations will have to increase the sufficiency of capital six times. This can cause a number of players from the banking services market, but the whole system most likely will work more stable.
The intentions of the Ministry of Finance were confirmed by the head of the department Anton Siluanov, speaking at a recent conference in Moscow. He also noted that such changes can be introduced since 2015.
At the beginning of this year, the amount of minimum capital was increased and now it is 180 million. rubles against a previously set level of 90 million. rubles. The plans for the development of the Banking System of Russia stipulates that by 2015, credit organizations will need to bring the volume of capital to 300 million. rubles. According to experts, increasing capital adequacy leads to the closure of banking organizations. So, in the first half of 2011 in Russia there were 988 working banks, today their number decreased to 974. Moreover, most analysts according to the fact that the actions of the Ministry of Finance will increase the stability of the banking sector, removing the so -called “empty” banks from the market that do not have a sufficient number of customers. According to the Ministry of Finance, now 290 Russian credit organizations have a minimum capital of 1 billion. rubles and should not experience difficulties if the limit of sufficiency is increased to the proposed level. Plus to this, in another 60 banks, the amount of capital ranges from 700 million. up to 1 billion. rubles, which is also a positive factor.
In order to maintain their place on the fish, financial structures will have to ensure the sufficiency of capital at the established level. Experts believe that this can be achieved due to the capitalization of net profit or attracting contributions from the bank’s shareholders, and foreign investors are also not ruled out. There is an opinion that large players can use the current situation in order to redeem the closing banks, thereby increasing assets and presence in the regions. However, experts are sure that there will be no mass mergers and acquisitions, since regional banking organizations do not have enough operations.
