15:28 - 7.01.2025

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January 7, Fineko/abc.az. The Central Bank has made changes to prudential regulation in order to maintain the stability and development of the banking sector in line with current trends.

ABC.AZ reports, referring to the Central Bank, that within the new rules, lending mechanisms based on the behavior patterns of borrowers will be created.

The changes will increase the ability of banks to give loans to individual entrepreneurs and individuals based on projected incomes. In addition, risk reduction limits and stricter capital requirements have been established for loans given based on a behavioral model. Banks will be able to allocate a maximum of 10% of their loan portfolio to loans based on behavioral patterns.

According to the rules, when the total volume of loans overdue by more than 90 days reaches 10% of the portfolio, loans based on the model will be discontinued.