Əsas mətn: With the new organizational structure of the cba, prudential supervision and business conduct are separate and report to a different executive director

Əsas mətn:
3. The banking sector’s average capital adequacy ratio (CAR) is about 22 percent. Minimum CAR and leverage ratio requirements are increased for systemically important banks. The CAR and leverage ratio (respectively) are set at 12 percent and 5 percent for systemic banks, while set at 10 percent and 4 percent for nonsystemic banks. 4. In 2016, 86 percent of the deposits were in foreign exchange (FX) following a devaluation of the currency. The banking industry faced high levels of deposit withdrawals after the devaluation, and the government announced a blanket guarantee. This guarantee was prolonged until March 2020.

Tərcüməsi:
Bank sektorunun orta kapital adekvatlığı əmsalı (CAR) təxminən 22 faiz təşkil edir.Sistem əhəmiyyətli banklar üçün Kapital adekvatlığı əmsalı və leverec nisbətinə dair minimum tələblər artırılacaq. Kapital adekvatlığı əmsalı və leverec nisbəti (müvafiq olaraq) sistem əhəmiyyətli banklar üçün 12 faiz və 5 faiz, qeyri-sistem əhəmiyyətli banklar üçün isə 10 faiz və 4 faiz səviyyəsində müəyyən edilib.2016-cı ildəki valyuta devalvasiyasından sonra əmanətlərin 86 faizi xarici valyutada olub.Bank sektoru devalvasiyadan sonra böyük məbləğdə əmanətlərin çıxarılması ilə üzləşdi və hökumət geniş miqyaslı zəmanət elan etdi.Bu zəmanət 2020-ci ilin mart ayına qədər uzadılıb.

Əsas mətn:
Supervision is compliance based. The onsite examination and offsite supervision are based on “Capital Adequacy, Asset Quality, Management, Earnings, and Liquidity” and “Capital Adequacy, Asset Quality, Earnings, and Liquidity” (CAEL) methodologies, respectively, and none of them is risk-based. Although the onsite examination manual is reviewed and the new manual is drafted, still the same methodology is applied, and the methodology is not differentiated depending on the systemic importance or the risk profile of the bank. The CBA indicates the shift to risk-focused supervision as the ultimate purpose. 9. On February 3, 2016, the government of Azerbaijan announced that all supervisory activities for banking, insurance, and securities would be integrated into a single supervisory agency to be known as the FIMSA. Before FIMSA was established, the banking industry was supervised by the CBA, securities institutions were supervised by State Securities Commission, and insurance companies were supervised by the Ministry of Finance. Following the Presidential Decree of November 2019, the CBA has become the sole authority of all financial institutions.