This was a resource that truly helped maintain lending volumes. A survey by OPORA RUSSIA — we are closely monitoring your survey findings — shows that businesses generally record a higher accessibility of loans in recent months. We appreciate this view. Nonetheless, we can see that currently loans are mostly concentrated with large banks, but we are confident that both banks with a basic licence and regional banks will be capable to significantly contribute to the small business development and become more flexible since they better understand clients’ interests and regional specifics. We are going to advance this segment of the banking system. Not only large banks have had access to our special-purpose instrument: 55 banks have used it, including regional banks and those banks that received corporate sureties. As regards loan restructuring, as you know, an important aspect is that we have been improving the financial system through resolution measures for many years, in order to make it resilient and capable to support its clients in challenging periods. We can see that the banking sector has really demonstrated its readiness to provide support to a considerable portion of its borrowers during this hard period. More than 80% of the restructured loans were under banks’ in-house programmes, and not because this was required by law. Since the beginning of the year, the amount of restructured SME loans has reached 819 billion rubles, which is over 15% of the SME portfolio.
Encik Abu Hassan Alshari Yahaya: Anti-money laundering and combating the financing of terrorism Welcoming remarks by Mr Encik Abu Hassan Alshari Yahaya, Assistant Governor of the Central Bank of Malaysia (Bank Negara Malaysia), at the ASEAN Regional Bank Supervision Workshop on “Anti-Money Laundering and Combating the Financing of Terrorism”, Kuala Lumpur, 3 March 2015. *  *  *  Welcome to Malaysia. I hope you have had a pleasant journey travelling to KL and managed to have a good rest. I also hope that the facilities being offered here at our Lanai Kijang are adequate to meet your expectations. It is a great honour for Bank Negara Malaysia to host and co-organise the ASEAN Regional Bank Supervision Workshop on Anti-Money Laundering and Combating the Financing of Terrorism. I would like to take this opportunity to thank the World Bank for formulating the programme and organising this workshop and our utmost gratitude to the Government of Canada for the generous financial support that has made the hosting and organizing of this course possible. As a country that has just gone through its on-site mutual evaluation process, we have seen that the role of supervision is very important in the development of a country’s AML/CFT regime. There is critical need for the integration between AML/CFT, prudential and business conduct supervision as well as between those supervisors and the law enforcement authorities. These inter-linkages prove to us that collective effort is key in combating ML/TF effectively.