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The National Bank has decided to reduce the calculation amounts of standard risk by November 2026, including for new loans provided to individuals (excluding preferential ones), from 17.65% to 16.94% per annum, according to BELTA in the National Bank's press service.

The calculation amounts of standard risk for new demand deposits (deposits) of individuals in rubles with a maturity from one year to three years will decrease from 12.6% to 12.17% per annum. For new demand deposits (deposits) of individuals in rubles with a maturity more than three years - from 14.5% to 14.33% per annum.

For new investment loans provided to legal entities (excluding preferential ones), the reduction is from 10.45% to 10.07% per annum. For new loans provided to legal entities (excluding preferential, investment ones) - from 11.79% to 11.39% per annum.

Calculation amounts of standard risk serve as a tool used to ensure financial stability. As previously explained by BELTA in the National Bank, this is one of the limits on the upper cap of interest rates, which is calculated as follows: the average level of rates of systemically significant banks plus some premium (a measure of dispersion). This gives banks a signal level, the exceedance of which, according to the National Bank and based on market data, is already considered a sign of high-risk behavior. Such behavior is not prohibited by the National Bank, but for this, banks are required to meet additional capital requirements, reserve formation - this is a reserve buffer in case the bank encounters some difficulties as a result of risky behavior.

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