we try, where possible, to unify different supervisory instruments. In russia telegram data particular, we strive to bring stress testing and the PVFU closer together.
For example, in 2023, we suggested that banks use a stress test scenario when preparing the PVFU. This allowed banks to reduce their workload when developing scenarios and use the results of one stress test for different purposes. In turn, this helped the Bank of Russia standardize the process of assessing the results of the PVFU. As for the ICAAP, banks develop scenarios for it themselves.
— The Bank of Russia has proposed creating banking associations to reduce costs and increase the efficiency of small banks. Is
Any progress in this direction?
— We have repeatedly told small banks: please, you have the opportunity to consolidate your business, unite, strengthen and multiply your capabilities and established practices. But to do this, you need to honestly tell each other about your problems, agree on the price, agree on who will be responsible for what. We have offered banks several options: if you want — the “umbrella” model (under the auspices of a larger player), if you want — the “alliance” model (on an equal basis).
Certain conditions on which the banks must
Agree among themselves. Therefore, the ball is in their court. No one has come steve’s take: navigating tariffs for shopify brands to us yet and expressed a willingness to unite. The discussion is currently underway at the site of the “Russia” bank association.
— How do banks with a basic license feel now?
— They feel good. Last year, they earned a profit of around 6 billion agb directory rubles (for 2022, a profit of 3 billion rubles was received, for 2021 — 1 billion rubles).