Novikombank took part in the plenary session "The Future of the banking market: Development without overheating", which became the key event of the Expert RA banking Forum.
The forum, organized by the Expert RA rating agency, brought together financial market professionals: representatives of relevant ministries, the Bank of Russia, major credit institutions, and businesses.
During the discussion, Anna Lavrentieva, Senior Vice President of Novikombank, answering a question about the drivers and limitations of the banking market, noted that in fact all financial instruments, including classical ones, remain relevant, only formats and channels of implementation change. According to the bank's expert, an important factor affecting the availability of financial resources for the real sector of the economy is the credit institutions' own programs. Novikombank has several such offers, including special programs for SMEs working in partnership with industrial enterprises, as well as socially oriented programs for employees of enterprises.
Anna Lavrentieva drew attention to the fact that an integral part of every classic financial instrument is advising and navigating clients, including on financial literacy issues. In conclusion, the speaker noted that new financial instruments have entered the market today, one of which is digital financial assets (CFAs). Novikombank is actively involved in this work. Two deals on the organization of CFA production for industrial enterprises have been successfully completed, including the first issue on the market for a defense enterprise. Russia is one of the first countries that, back in 2020, formed the appropriate legislative regulation of this sphere, which gave impetus to its development.
The participants of the event also discussed additional measures of state support for the banking sector. According to Novikombank, the most relevant measures of stimulating regulation are those that do not require direct investments from the budget, but at the same time purposefully generate impulses to support priority projects for the state, including projects of technological sovereignty. Anna Lavrentieva identified the simplification of procedures for confirming the "Russianness" of products, the integration of stimulating taxonomy regulation into existing state support measures, and the expansion of the practice of using guarantees from development institutions as growth points for this regulatory instrument.
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