Necessary to substantially reduce the minimum capital requirements of the bank in attracting subloans VEB - Aksakov

Chapter of the Association of Regional Banks "Russia", a State Duma deputy, member of the National Banking Council, Anatoly Aksakov appealed to the Prime Minister and head of the supervisory board of state corporation Bank for Development (VEB) Vladimir Putin to consider clarifying the decision to abandon the Supervisory Board and criterion of minimum capital of credit institutions, or at least to reduce this limit to 1 billion rubles. This is stated in the letter Aksakov. Recall that in early May this year, VEB announced the decision to the Supervisory Board to supplement the implementation of the order of VEB measures provided by articles 4 and 6 of the Act of October 13, 2008 № 173-FZ "On Additional Measures to Support the Financial System of the Russian Federation", the requirement for minimum the amount of own funds (capital), which may be issued subordinated debt. The minimum value of capital is set at 3.5 billion rubles. "According to credit institutions - members of the Association of Regional Banks of Russia, such a sudden change of conditions for granting of subordinated loans may negatively affect the stability of the national banking system," - says the deputy. In the past few months, many banks have begun to prepare to receive appropriate credit. With this guide credit institutions when preparing a business plan based on the fact that Article 6 of the Law № 173-FZ "On Additional Measures to Support the Financial System of the Russian Federation" stipulates that prior to December 31, 2009 inclusive, EBV may provide subordinated loans (loans) without providing for up to 31 December 2019 inclusive, at a rate of 8% per annum Russian credit institutions in their compliance with the following conditions: the availability of credit at the date of applying for a loan (loan), long-term credit rating not below the minimum level, a credit organization after 1 October 2008 from a third party subordinated loans (loans) and (or) the amounts paid contribution to charter capital of the credit institution, provided that the total amount of subordinated loans (loans) granted by VEB, should not exceed 15 percent of the value of own (capital) of the borrower (loan), calculated on October 1, 2008, and 100 percent of the total amount of funds received from shareholders. "The decision of the Supervisory Board unreasonably prejudice the interests of credit institutions whose capital does not exceed 3.5 billion rubles, and that before the decision conformed to the requirements of the law: had the appropriate rating, the bank's shareholders have already been used to raise funds in the capital on terms consistent with the law" - believes Aksakov. "This decision of the Supervisory Board on the merits supplants primarily regional banks in terms of banks eligible for government support, as because of new requirements to apply for loans from VEB can basically Moscow banks. It would note that in the overall reduction in lending to real sector of the regional banks continue to expand their loan portfolios by lending to the real sector, as well as small and medium enterprises ", - says head of the Banking Association. Portal Bank.ru Materials Rihanna.