the system of calculation of limit rates on Changes.
the Initiative of bank community — to limit influence of the largest players of the market on formation of all-market maximum permissible rates on to the population unexpectedly supported Central bank Russian Federation (Bank Russia), writes newspaper "Kommersant". At calculation Central bank Russian Federation (Bank Russia) the share of the market will be limited (PSK) of 20%. Upon it will have impact only on the accounting of rates of Public joint-stock company "Sberbank Russia", which share in the market more than 30%. Other players to a level of 20% yet do not hold out. But even such restriction will allow the majority of banks to give out more expensive, than now, .
PSK is applied by the regulator to restriction of rates on the retail from the second half of 2015. Banks when crediting have no right to exceed the counted Central bank Russian Federation (Bank Russia) level more than on a third. PSK includes a rate, an insurance and other payments on . Central bank Russian Federation (Bank Russia) quarterly counts values of PSK on the basis of real interest rates of banks, , a PDA, etc. (the average value taking into account a market share not less than on 100 largest creditors on the corresponding category or not less than on one third of creditors).
As at calculation of PSK consider a market share, the bank community achieved long ago introduction of restrictions as large banks significantly lower the general level of rates. In the letter of association of regional banks "Russia" in Federal Antimonopoly Service of 2016 it was specified that such influence "negatively affects the competition" and will lead to replacement from the market of other creditors. The bank lobby suggested to limit a market share at calculation of PSK of 10%. Such figure supported and Federal Antimonopoly Service as from this level position of the player in the market is considered dominating. But the decision remained to br for Central bank Russian Federation (Bank Russia). "The regulator slowed down nearly a year acceptance of norm and as a result agreed only on 20%" — the interlocutor of the newspaper familiar with a course of discussion of the bill reported. "Central bank Russian Federation (Bank Russia) does not object to amendments to the federal law "About ()" which will limit a share of large banks at PSK calculation to 20% — confirmed to the newspaper in the press service Central bank Russian Federation (Bank Russia). — This initiative is finished more than a year, before its acceptance in a final look prematurely to speak about how PSK calculation will change. Changes will be insignificant". Now in the market more than 20% Public joint-stock company "Sberbank Russia" has a share only. So, according to Frank Research Group data for May 1, in a segment "" Public joint-stock company "Sberbank Russia" occupied with cash 32,2%, in a segment "credit cards" — 39,7%. In Public joint-stock company "Sberbank Russia" refused comments. Though amendments are not adopted by br yet, bankers already make iridescent plans. "If such norm is accepted, banks will have an opportunity to vary rates in the bigger range, including to give out the categories "borrowers" which ours yet does not pass risk model" — the chairman of the board of OTP-bank Chizhevsky Ilya noted. According to interlocutors of the newspaper, predesigns show: restriction of a share of one Public joint-stock company "Sberbank Russia" at calculation of PSK will give an increase of 1-2 percentage points. Average market value of PSK, by data Central bank Russian Federation (Bank Russia), for , concluded in the third quarter 2017, on credit cards reach 29,6%, on the cash — 26,5%.