The National Bank of Ukraine (NBU) has amended the procedure for regulating banks' operations, adjusting the mechanism for calculating the norm of capital adequacy ratio.

The appropriate decision is stipulated in NBU resolution No. 237, which was registered in the Justice Ministry on July 12 and comes into force on the day of its official publication.

According to the document, the text of which has been sent to Interfax-Ukraine, the decision was made to increase the efficiency and ensure the stable operations of banks in Ukraine.

According to the amendments, to calculate the adequacy of the regulatory capital of banks their assets will be divided into six groups according to the degree of risk but not five as previously (group I - 0%, II - 10%, III - 20%, IV - 50% and V - 100%).

The NBU added a sixth group of assets with a 35% degree of risk, which consists of mortgage loans issued to individuals and included in mortgage collateral on mortgage bonds issued by the banks, over 50% of the corporate rights of which belong to the state and/or state banks.

According to the document, this concerns situations in which there is documentary evidence of the borrower's ability to repay the debt in cash, the sources of which are not related to the pledge.