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Statutory standard ratios for banks with a basic license
According to the Federal Law of 01.05.2017 N92-FL “On amendments to certain legislative acts of the Russian Federation” entered into force since 01.06.2017, bank licenses are divided into basic and universal. Hence different requirements to minimum amount of own funds or capital were set for banks with universal and basic licenses.
In the instruction of the Central Bank of RF (hereinafter CB RF) of 06.12.2015 N183-I, registered in the Ministry of Justice of RF from 02.03.2018 under №50206, five statutory standard ratios for banks with basic license and their numeric values are set:
| Statutory standard ratio | Minimum permissible numerical value of standard ratio, % | Maximum permissible numerical value of standard ratio, % | |
| own funds (capital) adequacy ratio | N1.0 | 8 | |
| capital adequacy ratio | N1.2 | 6 | |
| current liquidity ratio | N3 | 50 | |
| maximum risk per borrower or group of connected borrowers | N6 | 20 | |
| maximum risk per person or group of persons connected with the bank | N25 | 20 | |
The instruction prescribes daily adherence to set statutory standard ratios.
Territorial offices and authorized subdivisions of the CB RF central office held responsible for supervision over observance of statutory standard ratios by banks.
Control is maintained on the basis of data from banks’ reports, results of inspections and data upon request provided by banks.
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