According to analysts, an increase in a digital ruble of 1 billion will reduce deposits from small banks by 0.8 billion rubles, in large ones – by 0.3 billion. The outflow of funds from deposits can amount to at least 20% of the current level, which will adversely affect the liquidity of banking institutions.
In addition, the risk group includes large delay banks on loans, which is caused by the fears of their customers to lose funds if their licenses respond. The Bank of Russia needs to study the possibility of introducing a set of measures to ensure the stability of financial organizations that are most at risk of outflow of funds, experts say.
According to the analyst Alexander Potavin from the Finam group, the outflow of capital will primarily affect the accounts of individuals and companies, which will lead to a reduction in the amount of funds used by banks for issuing loans. This will provoke a reduction in their profitability and an increase in financial risks.
In turn, expert Aleksey Voylukov from the Presidential Academy emphasized that the key risk to banks after the introduction of a digital ruble will be a lack of liquidity. To keep customers, they will have to raise deposits.
Due to the reduction of the volume of capital attracted to banks, it will become more difficult for banks to fulfill their obligations and issue loans. In this case, they will have the need to attract expensive borrowed funds, explained Maria Ermilova from REU named after G.V. Plekhanova.
Earlier, the director of the Institute of Economics of the Russian Academy of Sciences (RAS) Mikhail Golovnin said that after the massive implementation of the digital ruble, the main feature will disappear – anonymity.
Source: Bits
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