MECHANISMS TO REDUCE THE SHARE OF THE STATE IN THE CAPITAL OF COMMERCIAL BANKS

Abstract

International financial and credit relations and the globalization of the world economy, as well as the intensification of competition between banks in the international and domestic spheres, bring to light the urgent issues of increasing their level of capitalization. Because capital is the main financial source for protection against losses that may occur unexpectedly in the activity of banks and for determining the appropriate norms for asset operations. In international practice, after the global financial and economic crisis, despite the fact that serious attention is paid to this issue, a number of problematic situations are occurring. In particular, "the International Basel Committee has increased the conservation buffer of capital from 1.8% to 2.5% in 2020, the requirement for core capital from 6.3% to 7.0%, and the requirement for total capital from 9.8% to 10.5%." 58 bln. EUR and 65 bln. exceeding the euro, indicates that this issue is even more serious.