Banking regulation review: short-term plans and implemented initiatives
The Bank of Russia plans to present innovations in the field of credit risk assessment when calculating capital adequacy and concentration ratios by the end of 2026 Q1. The changes will also simplify the transfer of credit risk to investors through advanced financial instruments, particularly digital financial assets.
Based on the market discussion of the new methodology for identifying systemically important banks, the regulator will publish a report. In this report, the Bank of Russia will present adjusted indicators used to assess a bank’s importance and highlight further regulatory steps.
In 2026 H1, it is planned to allow banks to deduct investment in intangible assets created for import substitution of critically important technologies and solutions from their capital over a four-year period (rather than immediately). The innovations will lighten the burden on banks’ capital.
Furthermore, the regulator is preparing a new methodology for assessing developers’ credit risk for discussion with market participants. This methodology is aimed at increasing risk sensitivity when determining the amount of provisions.
Important initiatives that have been already implemented include:
- – changes in loan provisioning, finalised following discussions with banks, have been posted for regulatory impact assessment;
- – new approaches to regulating consolidated ratios have been presented to the market.
Details are available in the Banking Regulation Review for 2025 Q4.