Latvijas Banka piel\u0101go kapit\u0101la rezerves normu \u00abSEB bankai\u00bb un \u00abCitadelei\u00bb<\/p>\n
K\u0101 inform\u0113 Latvijas Sabiedriskie Mediji, Latvijas Bankas (LB) padome ir pie\u0146\u0113musi l\u0113mumu samazin\u0101t sistem\u0101tiski noz\u012bm\u012bgu kred\u012btiest\u0101\u017eu kapit\u0101la rezerves normu attiec\u012bgi \u00abSEB bankai\u00bb un bankai \u00abCitadele\u00bb. \u0160is l\u0113mums, kas st\u0101jas sp\u0113k\u0101 2025. gada 22. decembr\u012b, paredz samazin\u0101jumu par 0,25 procentpunktiem, nosakot jaunos normat\u012bvus 1,5% \u00abSEB bankai\u00bb un 1,25% bankai \u00abCitadele\u00bb.<\/p>\n
Jaun\u0101 pieeja sist\u0113misko banku uzraudz\u012bb\u0101<\/p>\n
\u0160\u012bs izmai\u0146as ir da\u013ca no Latvijas Bankas veikt\u0101s sist\u0113miski noz\u012bm\u012bgo kred\u012btiest\u0101\u017eu (O-SII) identific\u0113\u0161anas un atz\u012b\u0161anas metodes pilnveido\u0161anas 2025. gad\u0101. L\u012bdz\u0161in\u0113j\u0101s EBA metodolo\u0123ijas viet\u0101 tika izstr\u0101d\u0101ta jauna pieeja, kas lab\u0101k atbilst Latvijas finan\u0161u sektora \u012bpatn\u012bb\u0101m, \u012bpa\u0161i valst\u012bm ar relat\u012bvi maz\u0101ku finan\u0161u tirgu. M\u0113r\u0137is ir prec\u012bz\u0101k identific\u0113t tikai t\u0101s bankas, kas ir patiesi sist\u0113miski noz\u012bm\u012bgas tautsaimniec\u012bbai, vienlaikus vienk\u0101r\u0161ojot regul\u0113jumu un nodro\u0161inot finan\u0161u sist\u0113mas kop\u0113jo notur\u012bbu. \u0160\u012b jaun\u0101 pieeja ar\u012b atbilst liel\u0101kajai da\u013cai citu Eiropas Savien\u012bbas dal\u012bbvalstu prakses, veicinot liel\u0101ku p\u0101rskat\u0101m\u012bbu un sal\u012bdzin\u0101m\u012bbu.<\/p>\n
\u00abSEB bankas\u00bb un \u00abCitadeles\u00bb jaunie kapit\u0101la l\u012bme\u0146i<\/p>\n
L\u012bdz ar izmai\u0146\u0101m, \u00abSEB bankas\u00bb O-SII kapit\u0101la rezerves norma tagad b\u016bs 1,5%, bet bankai \u00abCitadele\u00bb \u2013 1,25%. \u0160ie jaunie procentu\u0101lie r\u0101d\u012bt\u0101ji tiek noteikti, \u0146emot v\u0113r\u0101 katras bankas sist\u0113misko noz\u012bm\u012bgumu, izmantojot interv\u0101lu pieeju, kas ir vienk\u0101r\u0161\u0101ka un sal\u012bdzin\u0101m\u0101ka nek\u0101 iepriek\u0161\u0113jais modelis. Sal\u012bdzin\u0101jumam, \u00abSwedbank\u00bb Baltics AS un \u00abSwedbank\u00bb AS kapit\u0101la rezerves norma saglab\u0101sies iepriek\u0161\u0113j\u0101 l\u012bmen\u012b \u2013 2,0%.<\/p>\n
K\u0101p\u0113c samazina rezerves?<\/p>\n
Latvijas Bankas padomes l\u0113mums par kapit\u0101la rezerves normu samazin\u0101\u0161anu \u00abSEB bankai\u00bb un bankai \u00abCitadele\u00bb ir cie\u0161i saist\u012bts ar sist\u0113miski noz\u012bm\u012bgu iest\u0101\u017eu uzraudz\u012bbas metodes p\u0101rskat\u012b\u0161anu. P\u0113c jaun\u0101s metodes ievie\u0161anas, \u0161\u012bs bankas vairs netiek uzskat\u012btas par tik sist\u0113miski noz\u012bm\u012bg\u0101m, lai attaisnotu iepriek\u0161 noteikt\u0101s rezerves normas. T\u0101d\u0113j\u0101di, samazinoties to sist\u0113miskajam noz\u012bm\u012bgumam p\u0113c jaunajiem krit\u0113rijiem, tiek samazin\u0101ta ar\u012b attiec\u012bg\u0101 kapit\u0101la rezerves norma. \u0160\u0101das izmai\u0146as veicina banku regul\u0113juma adapt\u0101ciju un nodro\u0161ina, ka uzraudz\u012bbas pras\u012bbas ir proporcion\u0101las un atbilsto\u0161as Latvijas finan\u0161u sist\u0113mas re\u0101laj\u0101m vajadz\u012bb\u0101m, vienlaikus saglab\u0101jot finan\u0161u sist\u0113mas kop\u0113jo notur\u012bbu un stabilit\u0101ti. Tas ir svar\u012bgi, lai nodro\u0161in\u0101tu, ka bankas var turpin\u0101t sniegt finans\u0113jumu tautsaimniec\u012bbai, pat kr\u012bzes situ\u0101cij\u0101s, mazinot potenci\u0101los riskus un ietekmi uz ekonomiku.<\/p>\n
Sist\u0113misk\u0101s noz\u012bm\u012bbas v\u0113rt\u0113\u0161anas krit\u0113riji<\/p>\n
Kred\u012btiest\u0101des tiek atz\u012btas par cit\u0101m sist\u0113miski noz\u012bm\u012bg\u0101m (O-SII) gad\u012bjumos, kad to darb\u012bbas p\u0101rtrauk\u0161ana vai trauc\u0113jumi var rad\u012bt sist\u0113misko risku. Lai noteiktu \u0161o noz\u012bm\u012bgumu, Latvijas Banka izmanto virkni krit\u0113riju, kas ietver bankas apm\u0113ru, t\u0101s noz\u012bm\u012bgumu finan\u0161u sist\u0113m\u0101 (tostarp aizvietojam\u012bbu un lomu finan\u0161u infrastrukt\u016br\u0101), sare\u017e\u0123\u012bt\u012bbu un p\u0101rrobe\u017eu darb\u012bbas. \u0160ie krit\u0113riji tiek izv\u0113rt\u0113ti, analiz\u0113jot konkr\u0113tus r\u0101d\u012bt\u0101jus, piem\u0113ram, akt\u012bvu kopsummu, iek\u0161zemes maks\u0101jumu dar\u012bjumu v\u0113rt\u012bbu, noguld\u012bjumus un aizdevumus, atvasin\u0101to instrumentu v\u0113rt\u012bbu, p\u0101rrobe\u017eu saist\u012bbas un pras\u012bbas, k\u0101 ar\u012b iek\u0161\u0113j\u0101s finan\u0161u sist\u0113mas pas\u012bvus un akt\u012bvus. \u0160\u0101da visaptvero\u0161a pieeja \u013cauj prec\u012bzi nov\u0113rt\u0113t katras bankas potenci\u0101lo ietekmi uz finan\u0161u sist\u0113mas stabilit\u0101ti un attiec\u012bgi piel\u0101got uzraudz\u012bbas pras\u012bbas.<\/p>\n
Secin\u0101jumi un n\u0101kotnes perspekt\u012bvas<\/p>\n
Latvijas Bankas l\u0113mums samazin\u0101t kapit\u0101la rezerves normu \u00abSEB bankai\u00bb un bankai \u00abCitadele\u00bb atspogu\u013co dinamisko pieeju banku uzraudz\u012bb\u0101, kas piel\u0101gojas main\u012bgajai finan\u0161u videi un Latvijas tautsaimniec\u012bbas \u012bpatn\u012bb\u0101m. Jaun\u0101s O-SII identific\u0113\u0161anas un atz\u012b\u0161anas metodes ievie\u0161ana nodro\u0161ina, ka uzraudz\u012bbas instrumenti ir efekt\u012bvi un proporcion\u0101li. \u0160\u0101ds solis, vienlaikus saglab\u0101jot finan\u0161u sist\u0113mas notur\u012bbu, var sniegt bank\u0101m liel\u0101ku elast\u012bbu un potenci\u0101li veicin\u0101t kredit\u0113\u0161anas pieaugumu, kas ir svar\u012bgi ekonomikas att\u012bst\u012bbai.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas Banka piel\u0101go kapit\u0101la rezerves normu \u00abSEB bankai\u00bb un \u00abCitadelei\u00bb K\u0101 inform\u0113 Latvijas Sabiedriskie Mediji, Latvijas Bankas (LB)…\n","protected":false},"author":2,"featured_media":78786,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[19844,77,76,3949,19843,35,39,38,36,37,34,46,40,11630],"class_list":{"0":"post-78785","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-banku-uzraudziba","9":"tag-bizness","10":"tag-business","11":"tag-citadele","12":"tag-kapitala-rezerves-norma","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-banka","20":"tag-lv","21":"tag-seb-banka"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115740365553201243","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/78785","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=78785"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/78785\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/78786"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=78785"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=78785"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=78785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}