Resolution modifying the general provisions applicable to credit institutions

DOF: 26/06/2018

RESOLUTION modifying the general provisions applicable to credit institutions

A seal with the National Emblem appears on the margin, which reads: United Mexican States.- United Mexican States.- Ministry of Finance and Public Credit.- National Banking and Securities Commission.

The National Banking and Securities Commission, based on the provisions of Article 50 Bis of the Credit Institutions Law, as well as Articles 4, fractions XXXVI and XXXVIII, and 16, fraction I of the National Banking and Securities Commission Law, and

CONSIDERING

That it is convenient to make modifications to the submission periods for information for the performance of stress exercises under supervisory scenarios by multi-bank institutions and the presentation of the results of said stress exercises, aimed at promoting the sequential and orderly delivery of information, has resolved to issue the following:

RESOLUTION MODIFYING THE GENERAL PROVISIONS APPLICABLE TO CREDIT INSTITUTIONS

FIRST.- Articles 2 Bis 117 a, first paragraph; 2 Bis 117 b, first paragraph; 2 Bis 117 d, fraction II and second paragraph; 2 Bis 117 f and 2 Bis 117 g, first paragraph and fraction I, are REFORMED, and Article 2 Bis 117 f, second paragraph is ADDED to the "General Provisions Applicable to Credit Institutions," published in the Official Gazette of the Federation on December 2, 2005, and modified by resolutions published in the said Official Gazette on March 3 and 28, September 15, December 6 and 8, 2006; January 12, March 23, April 26 and November 5, 2007; March 10, August 22, September 19, October 14 and December 4, 2008; April 27, May 28, June 11, August 12, October 16, November 9, December 1 and 24, 2009; January 27, February 10, April 9 and 15, May 17, June 28, July 29, August 19, September 9 and 28, October 25, November 26 and December 20, 2010; January 24 and 27, March 4, April 21, July 5, August 3 and 12, September 30, October 5 and 27 and December 28, 2011; June 19, July 5, October 23, November 28 and December 13, 2012; January 31, April 16, May 3, June 3 and 24, July 12, October 2 and December 24, 2013; January 7 and 31, March 26, May 12 and 19, July 3 and 31, September 24, October 30, December 8 and 31, 2014; January 9, February 5, April 30, May 27, June 23, August 27, September 21, October 29, November 9 and 13, December 16 and 31, 2015; April 7 and 28, June 22, July 7 and 29, August 1, September 19 and 28, December 27, 2016; January 6, April 4 and 27, May 31, June 26, July 4 and 24, August 29, October 6 and 25, December 18, 26 and 27, 2017; January 22, March 14, April 26 and May 11, 2018, to read as follows:

" Article 2 Bis 117 a.- In order for multi-bank institutions to have at all times an adequate capital level in relation to their Desired Risk Profile and with strategies that allow maintaining capital levels within this, such institutions must perform, at least once a year and according to the dates that the Commission publishes on its Internet page during the month of January of each year, a Capital Adequacy Assessment to determine if the net capital they have is sufficient to cover possible losses they may face in different scenarios, including those where adverse economic conditions prevail.

. . .

I. to VI.

. . .

. . .

Article 2 Bis 117 b.- Prior to the performance of the Capital Adequacy Assessment, multi-bank institutions must present to the Commission the initial design of the Capital Adequacy Assessment, as well as any modifications or adjustments made subsequently to the design, which must be signed by the general manager and approved by its Board of Directors. For delivery, multi-bank institutions must adhere to the deadlines that the Commission publishes on its Internet electronic page no later than in the month of January of each year.

. . . "

" Article 2 Bis 117 d.-

. . .

I.

. . .

II.

For each scenario, projections must contemplate a minimum of nine quarters starting from the month that the Commission establishes in the letter referred to in Article 2 Bis 117 f. The projections will consist of the elements listed below for the quarters ending in March, June, September and December:

a) to c)

. . .

III.

. . .

The report mentioned in this article must be presented to the Commission, in accordance with the dates and deadlines that the latter publishes on its Internet page during the month of January of each year. The Commission may order modifications to the report when it considers that the minimum elements indicated in this article are not being met.

. . . "

" Article 2 Bis 117 f.- The Commission, through a letter, will make known to multi-bank institutions the Supervisory Scenarios that they must consider to perform the Capital Adequacy Assessment under Supervisory Scenarios, as well as the terms in which they must present the report referred to in the following Article 2 Bis 117 g. Additionally, said letter will include a form specifying the information that the estimates made by multi-bank institutions as part of the Capital Adequacy Assessment under Supervisory Scenarios must contain, in accordance with the provisions of the cited Article 2 Bis 117 g.

The Commission will publish on its Internet page during the month of January of each year, the dates and deadlines for sending the letter referred to in this article, as well as the date on which multi-bank institutions will present the report referred to in Article 2 Bis 117 g of these provisions.

Article 2 Bis 117 g.- Multi-bank institutions must annually present to the Commission, as specified in the publication referred to in the preceding Article 2 Bis 117 f, a report containing the results of the assessment referred to in this chapter, which must contain at least the following:

I.

For each scenario, projections must contemplate a minimum of nine quarters starting from the month that the Commission establishes in the letter referred to in Article 2 Bis 117 f. The projections will consist of the elements listed below for the quarters ending in March, June, September and December:

a) to c)

. . .

II. and III.

. . .

. . . "

TRANSITORY PROVISIONS

FIRST.- This Resolution will enter into force on January 1, 2019, except for what is provided in the following transitory articles.

SECOND.- For the purposes of the capital adequacy assessment under supervisory scenarios referred to in Articles 2 Bis 117 f and 2 Bis 117 g, which are reformed by this instrument, corresponding to the year 2018, credit institutions will adhere to the following:

I.

They must use the supervisory scenarios that will be sent by the National Banking and Securities Commission no later than in September 2018, through the letter referred to in fraction I above, which refers to Article 2 Bis 117 f, in effect prior to the entry into force of this Resolution.

II.

They must deliver within the deadlines to be made known through the letter referred to in the preceding fraction I, the report containing the results of the capital adequacy assessment referred to in this transitory article, considering projections of at least nine quarters counted from September 2018.

THIRD.- Multi-bank institutions will deliver to the National Banking and Securities Commission the report of the results of the capital adequacy assessment referred to in Article 2 Bis 117 d of the General Provisions Applicable to Credit Institutions, corresponding to the 2018 exercise, no later than on the same date that the Commission itself establishes through a letter it will issue in accordance with the Second Transitory Article of this Resolution.

RESPECTFULLY

Mexico City, June 15, 2018. - The President of the National Banking and Securities Commission, José Bernardo González Rosas.- Rubric.

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