In connection with the introduction of a state of emergency in the Republic of Abkhazia aimed at preventing the spread of coronavirus infection COVID-19, the Bank of Abkhazia recommends credit institutions of the republic in case of deterioration in the financial condition of the borrower due to the delay in payment of salaries, pensions or other permanent income for individuals, or due to restriction of activities for organizations and individual entrepreneurs to restructure the debt of such a borrower, as well as not to apply penalties. At the same time, credit organizations are allowed to: