INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of September 3, 2018 No. 4899-U

About modification of the Instruction of the Bank of Russia of June 28, 2017 No. 180-I "About obligatory standard rates of banks"

1. Based on Articles 62, 64 - 67, 70, 71.1 and 72 Federal Laws of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2003, No. 2, Art. 157; No. 52, Art. 5032; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 25, Art. 2426; No. 30, Art. 3101; 2006, No. 19, Art. 2061; No. 25, Art. 2648; 2007, No. 1, Art. 9, Art. 10; No. 10, Art. 1151; No. 18, Art. 2117; 2008, No. 42, Art. 4696, Art. 4699; No. 44, Art. 4982; No. 52, Art. 6229, Art. 6231; 2009, No. 1, Art. 25; No. 29, Art. 3629; No. 48, Art. 5731; 2010, No. 45, Art. 5756; 2011, No. 7, Art. 907; No. 27, Art. 3873; No. 43, Art. 5973; No. 48, Art. 6728; 2012, No. 50, Art. 6954; No. 53, Art. 7591, Art. 7607; 2013, No. 11, Art. 1076; No. 14, Art. 1649; No. 19, Art. 2329; No. 27, Art. 3438, Art. 3476, Art. 3477; No. 30, Art. 4084; No. 49, Art. 6336; No. 51, Art. 6695, Art. 6699; No. 52, Art. 6975; 2014, No. 19, Art. 2311, Art. 2317; No. 27, Art. 3634; No. 30, Art. 4219; No. 40, Art. 5318; No. 45, Art. 6154; No. 52, Art. 7543; 2015, No. 1, Art. 4, Art. 37; No. 27, Art. 3958, Art. 4001; No. 29, Art. 4348, Art. 4357; No. 41, Art. 5639; No. 48, Art. 6699; 2016, No. 1, Art. 23, Art. 46, Art. 50; No. 26, Art. 3891; No. 27, Art. 4225, Art. 4273, Art. 4295; 2017, No. 1, Art. 46; No. 14, Art. 1997; No. 18, Art. 2661, Art. 2669; No. 27, Art. 3950; No. 30, Art. 4456; No. 31, Art. 4830; No. 50, Art. 7562; 2018, No. 1, Art. 66; No. 9, Art. 1286; No. 11, Art. 1584, Art. 1588; No. 18, Art. 2557; No. 24, Art. 3400; No. 31, the Art. 4852), article 24 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ) (Sheets of the Congress of People's Deputies of RSFSR and the Supreme Council of RSFSR, 1990, No. 27, Art. 357; Russian Federation Code, 1996, No. 6, Art. 492; 1998, No. 31, Art. 3829; 1999, No. 28, Art. 3459, Art. 3469; 2001, No. 26, Art. 2586; No. 33, Art. 3424; 2002, No. 12, Art. 1093; 2003, No. 27, Art. 2700; No. 50, Art. 4855; No. 52, Art. 5033, Art. 5037; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 1, Art. 18, Art. 45; No. 30, Art. 3117; 2006, No. 6, Art. 636; No. 19, Art. 2061; No. 31, Art. 3439; No. 52, Art. 5497; 2007, No. 1, Art. 9; No. 22, Art. 2563; No. 31, Art. 4011; No. 41, Art. 4845; No. 45, Art. 5425; No. 50, Art. 6238; 2008, No. 10, Art. 895; 2009, No. 1, Art. 23; No. 9, Art. 1043; No. 18, Art. 2153; No. 23, Art. 2776; No. 30, Art. 3739; No. 48, Art. 5731; No. 52, Art. 6428; 2010, No. 8, Art. 775; No. 27, Art. 3432; No. 30, Art. 4012; No. 31, Art. 4193; No. 47, Art. 6028; 2011, No. 7, Art. 905; No. 27, Art. 3873, Art. 3880; No. 29, Art. 4291; No. 48, Art. 6730; No. 49, Art. 7069; No. 50, Art. 7351; 2012, No. 27, Art. 3588; No. 31, Art. 4333; No. 50, Art. 6954; No. 53, Art. 7605, Art. 7607; 2013, No. 11, Art. 1076; No. 19, Art. 2317, Art. 2329; No. 26, Art. 3207; No. 27, Art. 3438, Art. 3477; No. 30, Art. 4084; No. 40, Art. 5036; No. 49, Art. 6336; No. 51, Art. 6683, Art. 6699; 2014, No. 6, Art. 563; No. 19, Art. 2311; No. 26, Art. 3379, Art. 3395; No. 30, Art. 4219; No. 40, Art. 5317, Art. 5320; No. 45, Art. 6144, Art. 6154; No. 49, Art. 6912; No. 52, Art. 7543; 2015, No. 1, Art. 37; No. 17, Art. 2473; No. 27, Art. 3947, Art. 3950; No. 29, Art. 4355, Art. 4357, Art. 4385; No. 51, Art. 7243; 2016, No. 1, Art. 23; No. 15, Art. 2050; No. 26, Art. 3860; No. 27, Art. 4294, Art. 4295; 2017, No. 14, Art. 2000; No. 18, Art. 2661, Art. 2669; No. 25, Art. 3596; No. 30, Art. 4456; No. 31, Art. 4754, Art. 4761, Art. 4830; 2018, No. 1, Art. 66; No. 18, Art. 2560, Art. 2576; No. 22, Art. 3043; No. 24, Art. 3400; No. 31, Art. 4852; No. 32, the Art. 5100) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of August 24, 2018 No. 28) to bring in the Instruction of the Bank of Russia of June 28, 2017 No. 180-I "About obligatory standard rates of banks", registered by the Ministry of Justice of the Russian Federation on July 12, 2017 No. 47383, on November 30, 2017 No. 49055, on January 10, 2018 No. 49586, on April 5, 2018 No. 50655, on July 11, 2018 No. 51589, on August 22, 2018 No. 51974, the following changes.

1.1. To declare the paragraph of the sixth of Item 1.1 invalid.

1.2. In Item 2.1:

add paragraph two with words ", taking into account application of the allowances to coefficients of risk established by the Instruction of the Bank of Russia of August 31, 2018 No. 4892-U "About asset types, characteristics of asset types to which allowances to risk coefficients, and application technique to the specified asset types of allowances for the purpose of calculation with credit institutions of capital adequacy ratios", the registered Ministry of Justice of the Russian Federation on September 25, 2018 No. 52249 (further - the Instruction of the Bank of Russia No. 4892-U) are established";

in subitem 2.1.1:

state paragraph two in the following edition:

 

the eleventh to declare the paragraph invalid;

in the paragraph the twelfth figures "8737,", "8832,", "8765, 8766, 8767, 8783, 8792.i,", "8861, 8861.x, 8862, 8862.x, 8863, 8863.x, 8863.2," to exclude;

the thirteenth to declare the paragraph invalid.

1.3. In Item 2.3:

in the paragraph the twentieth subitem 2.3.2 of the word "investments in the bonds with mortgage covering nominated and accumulated in rubles in the part provided with the guarantee nominated in rubles" shall be replaced with words "the credit requirements and requirements for receipt of the added (cumulative) percent nominated and accumulated in rubles, in the part provided with the guarantees (guarantees) nominated in rubles";

in paragraph four of the subitem of 2.3.4.1 figures "8736, 8738,", "8743.1, 8745.1, 8747.1,", "8762, 8767,", "8783, 8785.1, 8787, 8790.1, 8792.1, 8795,", "8831", "8839", "8858, 8858.x, 8859, 8863, 8863.x, 8863.2," to exclude;

subitem in paragraph four 2.3.4.2 figures "8736, 8738,", "8743.2, 8745.2, 8747.2,", "8762, 8767,", "8783, 8785.2, 8787, 8790.2, 8792.2, 8795,", "8831", "8839", "8858, 8858.x, 8859, 8863, 8863.x, 8863.2,", "8877" to exclude;

subitem in paragraph four 2.3.4.3 figures "8736, 8738,", "8743.0, 8745.0, 8747.0,", "8762, 8767,", "8783, 8785.0, 8787, 8790.0, 8792.0, 8795,", "8831", "8839", "8858, 8858.x, 8859, 8863, 8863.x, 8863.2", "8877", "8934", "8948, 8948.0", "8970", "8971" to exclude;

in paragraph one of subitem 2.3.11 and paragraph one of subitem 2.3.18 of the word "PKR, PKI and Pkvi, Except for Credit Requirements and Requirements for Receipt of the Added (Cumulative) Percent Meeting Requirements of Codes 8738, of 8767, of 8839, 8863.x, 8863.2" shall be replaced with words "PKI and code 8754.i";

in subitem 2.3.20 of the word "reducing the size of own means (capital) according to subitem 2.4 of Item 2 and subitem 4.2 of item 4 of appendix to the Provision of the Bank of Russia No. 395-P, and also" to exclude;

the fourth subitem 2.3.31 to declare the paragraph invalid;

in subitem 2.3.34" the words "PKR, PKI and Pkvi, and also Codes 8734, 8738, 8740, 8751, 8771, 8783, 8806, 8839, 8846, 8956.i." shall be replaced with words "and PKI and also codes 8734, of 8740, of 8751, 8754.i, 8771, 8806, 8846, 8956.i".

1.4. In paragraph four of subitem 2.6.2 of Item 2.6 of the word "appendix 7" shall be replaced with words "appendix 6".

1.5. In the paragraph the second Item 5.2 of the word "reduce the size of own means (capital) of credit institution according to requirements of subitem 2.4 of Item 2 appendices to the Provision of the Bank of Russia No. 395-P and also which" to exclude.

1.6. Third Item 5.6 after words "the standard rate of H6 participation" to add the paragraph with words of Bank of Russia.

1.7. In Item 5.8 of the word "and subitem 4.2 of item 4 of appendix to the Provision of the Bank of Russia No. 395-P" to exclude.

1.8. Recognize Chapter 7 invalid.

1.9. In paragraph three of Item 10.2 of the word "2 appendices to the Provision of the Bank of Russia No. 395-P reducing indicators of capital adequacy of bank according to subitem 2.4 of Item, and also" to exclude.

1.10. The paragraph third Item 11.3 after the word of "(capital)" to add with words ", final result of application of allowances to risk coefficients".

1.11. In appendix 1:

line of code 8727, line of code 8736, line of code 8737, line of code 8738, line of code 8739, line of codes 8743.1, 8743. 2, 8743.0, line of codes 8744.1, 8744. 2, 8744.0, line of codes 8745.1, 8745. 2, 8745.0, line of codes 8746.1, 8746. 2, 8746.0, line of codes 8747.1, 8747. 2, 8747.0, line of codes 8748.1, 8748. 2, 8748.0, line of code 8762, line of code 8763, line of code 8764, line of code 8765, line of code 8766, line of code 8767, line of code 8768, line of code 8783, line of code 8784, line of codes 8785.1, 8785. 2, 8785.0, line of codes 8786.1, 8786. 2, 8786.0, line of code 8787, line of code 8788, line of code 8789, line of codes 8790.1, 8790. 2, 8790.0, line of codes 8791.1, 8791. 2, 8791.0, line of codes 8792.1, 8792. 2, 8792.0, line of codes 8793. 1, 8793.2, 8793.0, line of code 8795, line of code 8796, line of code 8797, line of code 8798, line of code 8799, line of code 8831, line of code 8832, line of code 8839, line of code 8839.1, line of code 8858, line of code 8858.x, line of code 8859, line of code 8859.x, line of code 8860, line of code 8860.x, line of code 8861, line of code 8861.x, line of code 8862, line of code 8862.x, line of code 8863, line of code 8863.x, line of code 8863.2, line of code 8863.3, line of code 8864, line of code 8864.x, line of code 8865, line of code 8865.x, line of code 8877, line of code 8926, line of code 8934, line of code 8948, line of code 8948.0, line of code 8970 and line of code 8971 to recognize invalid;

in the column of 1 line of code 8740:

in paragraph four to replace figure "60" with figure "70";

in paragraph eight of the word "and Pkvi" to exclude;

in the column of 1 line of codes 8753.1, 8753. 2, 8753.0:

in the paragraph the second to exclude the words "reduce the size of own means (capital) according to appendix to the Provision No. 395-P, and also";

add with the paragraph of the following content:

"Calculation of this code does not join the assets meeting requirements of codes 8878. And, 8880";

in the column 3 lines of codes 8754.1, 8754. 2, 8754.0 words" (the COMMUNIST REFOUNDATION PARTY 1)", "(the COMMUNIST REFOUNDATION PARTY 2)", "(0)" to exclude the COMMUNIST REFOUNDATION PARTY;

after line of code 8768 to add with line of code 8769.i of the following content:

"

The final result of application of allowances to risk coefficients calculated according to the Instruction of the Bank of Russia No. 4892-U

8769.i

H1.1 (A), H1.2 (A), H1.0 (AND)

";

in paragraph three of the column of 1 line of code 8771 of the word "and Pkvi" to exclude;

in the column of 1 line of code 8775 of the word "to subitems 2.1 - 2.6 Items 2 appendices to the Provision of the Bank of Russia No. 395-P," to exclude;

paragraphs of the sixth and seventh column of 1 line of codes 8808.1, 8808.2. 8808.0 recognize invalid;

in the paragraph the sixteenth columns of 1 line of codes 8813.1, 8813. 8813.0 figure "5" to replace 2, with figure "10";

in the column of 1 line of codes 8823.1, 8823. 8823.0 words "own means (capital) reducing size according to appendix to the Provision of the Bank of Russia No. 395-P and" to exclude 2,;

in the column of 1 line of codes 8824.1, 8824. 8824.0 words "shares of mutual investment funds, and also" to exclude 2,;

in paragraph one of the column of 1 line of codes 8825.1, 8825. 8825.0 words "reduce the size of own means (capital) according to appendix to the Provision No. 395-P, and also" to exclude 2,;

in the paragraph the second columns of 1 line of codes 8827.1, 8827. 2, 8827.0, lines of codes 8829.1, 8829. 2, 8829.0, lines of codes 8835.1, 8835. 8835.0 words to "codes 8971 and 8971.0" shall be replaced with words 2, to "code 8971.0", to exclude the words "and subitem 5.2 of Item 5 of appendix to the Provision of the Bank of Russia No. 395-P";

column of 1 line of codes 8833.1, 8833. 8833.0 to state 2, in the following edition:

"Credit requirements and requirements for receipt of the added (cumulative) percent to physical persons in rubles according to loans size on date of issue and (or) settlement date of standard rates 50 million rubles and more without providing specified in Item 6.2 of the Provision of the Bank of Russia No. 590-P (the account (their part) No. No. 455A, 457A, 45815, 45817, 45915, 45917, 47427, 478A)";

in paragraph one of the column of 1 line of code 8882 of the word "by code 8875" shall be replaced with words "by codes 8874 and 8875";

the paragraph one of the column of 1 line of code 8910 after words to "resident banks" to add with words to "the credit institutions performing functions of the central partners specified in code 8846,";

column of 1 line of codes 8943.1, 8943. 8943.0 to state 2, in the following edition:

"Investments in the bonds of single institute of development nominated and accumulated in rubles and also the credit requirements and requirements for receipt of the added (cumulative) percent nominated and accumulated in rubles, in the part provided with the guarantees (guarantees) of single institute of development nominated in rubles (accounts (their part) No. No. 445A, 446A, 447A, 448A, 449A, 450A, 451A, 452A, 453A, 464A, 465A, 466A, 467A, 468A, 469A, 470A, 471A, 472A, 47427, 47431, 478A, 47901, 50106, 50107, 50118, (50121 - 50120), 50207, 50208, 50218, (50221 - 50220), 50307, 50308, 50318)";

paragraph the fourth columns of 1 line of codes 8956.1, 8956. 8956.0 to state 2, in the following edition:

"The credit requirements to the faces tied with bank included in the V group of assets and codes 8753.1, 8753. 2, 8753.0, do not join in calculation of this code.";

in the column of 1 line of code 8970.0 of the word "by code 8875" shall be replaced with words "by codes 8874 and 8875";

Example of calculation of the cumulative amount of requirements of bank to the shareholders (participants) and insiders exceeding the restrictions set by standard rates of H6, H9.1 and H10.1, to declare invalid.

1.12. In the paragraph the fourteenth item 4 of appendix 7 of the word "in subitem 6.1 of Item 6" shall be replaced with words "in Item 6".

1.13. To add paragraph two of Item 3 of appendix 9 after words of "Item 3" with words ", subitem 4.2.2 of item 4".

2. This Instruction becomes effective after 10 days after day of its official publication.

 

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