Bankers spoke about the plans of the Central Bank to limit investments in the construction of ecosystems. If regulation is introduced only for banks, they will not be able to compete for a client with non-financial technology companies, Lev Khasis, First Deputy Chairman of the Board of Sberbank, said at the International Financial Congress (IFC). And if they cannot compete, they will only have the function of a “high-risk and low-margin engine back” for high-tech companies, Khasis said: “Those who do not want this should be able to take care of the future.” This is especially important, the state banker believes, in conditions of excessive tolerance of national regulators, in contrast to China or the United States, where banks are protected from non-banking and foreign players.
Such statements by the banker are a reaction to the Central Bank’s report released last week. In it, the Bank of Russia described options for regulating investments in non-financial business. He plans to introduce the concept of immobilized assets (AI), which will include ecosystems. Moreover, both tangible property (investments in IT infrastructure, real estate, transport) and intangible assets (data sets, software, intellectual property rights, brand). The investment limit in IA can be limited to 30% of the capital, different groups of assets will be assigned a coefficient from 1 to 5 for calculating the deduction from capital. If the limit is exceeded, then the “surplus” assets will need to be either covered with capital or sold.
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