The Superintendence of Banking, Insurance and AFP (SBS) approved the new management regulation of Credit exchange risk (RCC) using SBS resolution No. 00774-2025. This risk affects debtors who have income in soles and debts in dollars, whose repayment is affected if the exchange rate is increased.
It is a measure for financial institutions to be more careful with Loans in dollars and avoid problems if the dollar rises suddenly. Although in recent years the dollarization The economy has presented a considerable reduction, this risk is still relevant in the management of companies.
However, not all Loans in dollars They present this risk. This is because some people or companies earn in dollars or have enough money to pay their debts without problems, even exchange rate Suba. Therefore, only less than 10% of dollar loans could be affected by exchange risk.
Among the novelties of the new regulation, a standardized methodology is established to identify the debtors exposed to said risk, as well as a sensitivity analysis that evaluates the impact of the depreciation of the local currency on the income and solvency of the companies. In addition, it incorporates other criteria aimed at strengthening credit exchange risk.
Credit exchange risk: What should banks evaluate?
Banks and other financial institutions will have to perform an analysis to see how exchange risk would affect their dollars. For that, they should consider:
- Two scenarios where the sun devalues a 10% and 20% against the dollar.
- What would happen if some clients lose payment capacity and his credit rating worsens.
- How this risk impacts money reservesthe capital of the bank and its financial stability.
The regulation applies to various financial system entities such as companies of multiple operations are banks, municipal boxes, EDPymes, savings and credit cooperatives authorized to capture public resources, according to the General Law of the Financial System and the Insurance and Organic System of the SBS.
Financial lease, consolidating and guarantees, factoring, mortgage administrators, as well as the Bank of the Nation, the Agricultural Bank, the Financial Development Corporation (the Development Corporation (COFIDE) and the Mivivienda background.
According to the legal norm, this new regulation will enter into force in January 2026
Source: Larepublica
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