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The document outlines a draft circular that would stipulate new minimum safety limits and ratios for credit institutions and foreign bank branches. It proposes increasing the risk factor for real estate business receivables from 150% to 250% and lowering the maximum short-term capital rate for medium and long-term loans according to the type of institution. The impact of these changes on capital adequacy ratios is also discussed.
The document outlines a draft circular that would stipulate new minimum safety limits and ratios for credit institutions and foreign bank branches. It proposes increasing the risk factor for real estate business receivables from 150% to 250% and lowering the maximum short-term capital rate for medium and long-term loans according to the type of institution. The impact of these changes on capital adequacy ratios is also discussed.
The document outlines a draft circular that would stipulate new minimum safety limits and ratios for credit institutions and foreign bank branches. It proposes increasing the risk factor for real estate business receivables from 150% to 250% and lowering the maximum short-term capital rate for medium and long-term loans according to the type of institution. The impact of these changes on capital adequacy ratios is also discussed.
INSTITUTIONS AND BRANCHES OF FOREIGN BANKS CONTENT AND EFFECTS
NG THANH H
OUTLINE 1. Executive Summary
2. Main substances of draft
3. Impact of draft on CAR 4. Conclusion
1. EXECUTIVE SUMMARY
2. MAIN SUBSTANCES OF DRAFT
a. Change the risk factor of receivables in real estates business 150 % => 250 %
2. MAIN SUBSTANCES OF DRAFT
b. Change the maximum rate of short-term capital for medium and long-term loans Circular 36 Commercial Banks : 60 % Branches of foreign banks : 60 % Organization of non-bank credit : 200 % Cooperative Bank : 60 %