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BRSA: Average FX rate usage in bank CAR calculations extends

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According to the statement from the BRSA, the arithmetic average of the exchange rate of the last 252 working days will continue to be taken as a basis when calculating the capital adequacy ratios of banks:

 

·        From 1 January, calculations will be valid until the regulator decides otherwise.

·        Market value losses will continue to be excluded from capital adequacy calculations.

·        The SME definition limit for established SMEs was increased from 150 million TRY to 220 million TRY.

·        The retail loan limit was increased from 7 million TRY to 10 million TRY.

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While the calculation of the average exchange rate in capital adequacy continues, the limit for the definition of SME seems to have been raised. In the calculation of the amount subject to credit risk, monetary assets and non-monetary assets, the practice of using the simple arithmetic average of the Central Bank’s foreign exchange buying rates for the last 252 business days before the calculation date will be continued as of 01.01.2022. In the calculation in question, the simple arithmetic average of the Central Bank’s foreign exchange buying rates for the last 252 business days as of 31.12.2021 will be used. As part of the tolerance measures taken to support banks during the epidemic, the CAR calculation application flexibility period, which was previously extended, was extended for the next year as well.

 

Turkey’s banking standardization references a prudent capital adequacy ratio of 12% relative to global peers. Recently, there were news of a potential capital injection for public banks. Within the framework of the recent lira depreciation, banks’ capital structures, asset quality and credit capacities are desited to remain strong. If we consider that the capital adequacy ratio calculation is made with the average rate of the last 1 year; At the end of 3Q21, the average rate for the previous 1 year was 8.06, while as of December 21, 2021, the average rate for the previous 1 year period is 8.75. Considering that the exchange rate average of 4Q21 alone is 11.07 as of today, the size of the risk that the last lira volatility will carry in terms of capital structures can be better demonstrated. The fact that the potential movement weight of the exchange rate cannot be estimated at this stage shows the necessity of an uncertainty and prudence approach in this direction. Exchange rate stabilization will be positive in terms of capital structures at this stage.

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