INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of July 26, 2018 No. 4874-U

About modification of the Provision of the Bank of Russia of June 28, 2017 No. 590-P "About procedure for forming by credit institutions of reserves on possible losses according to loans, the loan and equated to it debt"

1. Based on Articles 62, 69, 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; \Art. U-2116\53, 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, the Art. 2557), 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. 4048; 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, the Art. 3043) 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 July 20, 2018 No. 25) to bring in the Provision of the Bank of Russia of June 28, 2017 No. 590-P "About procedure for forming by credit institutions of reserves on possible losses according to loans, the loan and equated to it debt", registered by the Ministry of Justice of the Russian Federation on July 12, 2017 No. 47384, the following changes.

1.1. Third Item 1.10 to state the paragraph in the following edition:

"the financial assets which are elements of calculation base according to the Provision of the Bank of Russia of October 23, 2017 No. 611-P "About procedure for forming by credit institutions of reserves on possible losses", the registered Ministry of Justice of the Russian Federation on March 15, 2018 No. 50381;".

1.2. Third Item 2.3 to add the paragraph with words:

", and also system of assessment of credit risk on the credits and loans granted within the program implementation "Factory of project financing" approved by the order of the Government of the Russian Federation of February 15, 2018 No. 158 "About the Factory of Project Financing program (The Russian Federation Code, 2018, No. 9, Art. 1390; No. 24, the Art. 3538) (further - the mechanism of project financing), according to criteria, stipulated in Item 2.14 and the Section I of appendix 2 to the Provision of the Bank of Russia of August 6, 2015 No. 483-P "About procedure of payments of size of credit risk on the basis of internal ratings", to No. registered by the Ministry of Justice of the Russian Federation on September 25, 2015 38996, on December 22, 2015 No. 40193 (further - the Provision of the Bank of Russia No. 483-P)".

1.3. To state subitem 3.7.2.2 of Item 3.7 in the following edition:

"3.7.2.2. the loan is re-structured, that is based on the agreement with the borrower essential conditions of the initial agreement based on which loan is allowed in case of which approach the borrower acquires the right to fulfill obligations according to the loan in more favorable mode (for example, change of loan repayment period (principal debt and (or) percent), the size of interest rate, procedure for its calculation), except cases when payments according to the re-structured loan are made timely and in full are changed or there is isolated case of overdue payments during the last 180 calendar days, within the terms determined in subitem 3.7.1.2 of this Item, and the financial position of the borrower within the last complete and current year can be estimated not worse, than average, according to Item 3.3 of this provision.

If within 360 calendar days from the moment of the last restructuring of the loan payments on principal debt and (or) percent on it are performed by the borrower timely and in full in accordance with the terms of the agreement based on which loan is allowed, taking into account the agreement on restructuring, service quality of debt can be estimated without requirements of this subitem. If further according to the specified re-structured loan debt servicing quality degradation will be revealed (except for the case provided by subitem 3.7.3.2 of this Item), the settlement reserve is determined by it proceeding from the maximum size provided for quality category in which this loan taking into account requirements of this provision is classified.

The loan can not be recognized re-structured if the agreement based on which loan is allowed contains conditions in case of which approach the borrower acquires the right to fulfill obligations according to the loan in more favorable mode, and parameters of these changes and further the specified conditions come and if the parameters of changes of conditions of obligation fulfillment on the loan provided by the agreement based on which loan is allowed, and also in case of decrease in the size of interest rate in case of assessment of financial position of the borrower as good or as average in case of not deterioration in assessment of financial position of the borrower are observed.".

1.4. The paragraph third subitem 3.9.2 of Item 3.9 to add with words ", except for the borrowers of bank who are head contractors of deliveries of products according to the state defense order (further - the head contractor) or the contractors participating in deliveries of products according to the state defense order (further - the contractor), according to article 3 of the Federal Law of December 29, 2012 No. 275-FZ "About the state defense order" (The Russian Federation Code, 2012, No. 53, Art. 7600; 2013, No. 52, Art. 6961; 2015, No. 27, Art. 3950; No. 29, Art. 4342; 2016, No. 27, Art. 4250; 2017, No. 1, Art. 12; No. 31, Art. 4786; 2018, No. 1, the Art. 65) (further - the Federal Law "About the State Defense Order")".

1.5. State Item 3.10 in the following edition:

"3.10. The decision (the common decision concerning set of loans) about debt servicing recognition good according to the re-structured loans, according to loans according to which payments on principal debt and (or) on percent are performed at the expense of money and (or) other property provided to the borrower by credit institution - loaner directly or indirectly (through the third parties) on which debt servicing is performed timely and in full, according to the loans issued by credit institution to the borrower for debt repayment according to earlier allowed loan provided that the financial position of the borrower according to above-mentioned loans within the last complete and current year was estimated not worse, than the average, according to Item 3.3 of this provision, accepts authorized body of management of credit institution. Decision making about debt servicing recognition good is not allowed concerning loans according to debt servicing for which date of assessment is recognized unsatisfactory according to subitem 3.7.3 of Item 3.7 of this provision.

In case when the loan amount (set of the loans issued to one borrower or group of the connected borrowers) specified in paragraph one of this Item constitutes 1 percent and less from the size of own means (capital) of credit institution, the decision on debt servicing recognition by good can be made by authorized body of credit institution.

The credit institution includes in the file of the borrower documentary drawn up decision of authorized body of management (body) of credit institution on debt servicing recognition good according to the loans specified in paragraph one of this Item, and also reasons for the made decision and the documents confirming these reasons.

Information on decision making on debt servicing recognition good concerning loans (set of the loans issued to one borrower or group of the connected borrowers) exceeding 1 percent from the size of own means (capital) of credit institution including reasons for this decision and information on loan quality category, is submitted credit institution in the Bank of Russia (territorial office of the Bank of Russia, authorized structural division of central office of the Bank of Russia) along with form of the reporting 0409115 "Information on quality of assets of credit institution (banking group)" established by the Instruction of the Bank of Russia of November 24, 2016 No. 4212-U "About the list, forms and procedure for creation and representation of forms of the reporting of credit institutions in the Central bank of the Russian Federation" the registered Ministry of Justice of the Russian Federation on December 14, 2016 No. 44718, on March 29, 2017 No. 46155, on December 25, 2017 No. 49421 (further - the Instruction of the Bank of Russia No. 4212-U). Non-presentation of the specified reasons or representation of insufficient reasons is the basis for assessment by the Bank of Russia of debt servicing according to loans according to requirements of Item 3.7 of this provision.".

1.6. In Item 3.12:

third after the words "its locations" to add the paragraph with words "or if the borrower is head contractor or the contractor according to the Federal Law "About the State Defense Order";

add subitem 3.12.2.1 with words ", to microfinance companies";

in subitem 3.12.2.16 of the word "subitem 3.12.2.17" shall be replaced with words "subitems 3.12.2.17 - 3.12.2.22";

"subitems 3.12.2.1 - 3.12.2.16" to add subitem 3.12.2.17 after words with the words "and subitems 3.12.2.18 - 3.12.2.22";

add with subitems 3.12.2.18 - 3.12.2.22 following of content:

"3.12.2.18. on the loans allowed borrowers - to legal entities on projects implementation of public-private partnership, municipal and private partnership according to requirements of the Federal Law of July 13, 2015 No. 224-FZ "About public-private partnership, municipal and private partnership in the Russian Federation and modification of separate legal acts of the Russian Federation" (The Russian Federation Code, 2015, No. 29, Art. 4350; 2016, No. 1, Art. 11; No. 27, Art. 4293, Art. 4294; 2018, No. 27, the Art. 3948, the Art. 3956) and directed to projects implementation, specified in agreements based on which loans are allowed;

3.12.2.19. on the loans allowed borrowers - to legal entities on implementation of activities in the field of purchases of goods, works, services according to requirements of the Federal Law of April 5, 2013 No. 44-FZ "About contractual system in the field of purchases of goods, works, services for ensuring the state and municipal needs" (The Russian Federation Code, 2013, No. 14, Art. 1652; No. 27, Art. 3480; No. 52, Art. 6961; 2014, No. 23, Art. 2925; No. 30, Art. 4225; No. 48, Art. 6637; No. 49, Art. 6925; 2015, No. 1, Art. 11, Art. 51, Art. 72; No. 10, Art. 1393, Art. 1418; No. 14, Art. 2022; No. 27, Art. 3979, Art. 4001; No. 29, Art. 4342, Art. 4346, Art. 4352, Art. 4353, Art. 4375; 2016, No. 1, Art. 10, Art. 89; No. 11, Art. 1493; No. 15, Art. 2058, Art. 2066; No. 23, Art. 3291; No. 26, Art. 3872, Art. 3890; No. 27, Art. 4199, Art. 4247, Art. 4253, Art. 4254, Art. 4298; 2017, No. 1, Art. 15, Art. 30, Art. 41; No. 9, Art. 1277; No. 14, Art. 1995, Art. 2004; No. 18, Art. 2660; No. 24, Art. 3475, Art. 3477; No. 31, Art. 4747, Art. 4760, Art. 4780, Art. 4816; 2018, No. 1, Art. 59, Art. 87, Art. 88, Art. 90; No. 18, Art. 2578; No. 27, 3957) and the loans directed to implementation of contracts, based on which are allowed to the Art., and (or) the agreements signed in course of execution of these contracts;

3.12.2.20. on the loans allowed borrowers - to legal entities within realization of the mechanism of project financing and directed to implementation of the investment projects specified in agreements based on which loans are allowed;

3.12.2.21. on the loans allowed borrowers - to the legal entities having the licenses provided according to article 11 of the Law of the Russian Federation of February 21, 1992 to No. 2395-1 "About subsoil" (in edition of the Federal Law of March 3, 1995 No. 27-FZ) (Sheets of the Congress of People's Deputies of the Russian Federation and the Supreme Council of the Russian Federation, 1992, No. 16, Art. 834; Russian Federation Code, 1995, No. 10, Art. 823; 1999, No. 7, Art. 879; 2000, No. 2, Art. 141; 2001, No. 21, Art. 2061; No. 33, Art. 3429; 2002, No. 22, Art. 2026; 2003, No. 23, Art. 2174; 2004, No. 27, Art. 2711; No. 35, Art. 3607; 2006, No. 17, Art. 1778; No. 44, Art. 4538; 2007, No. 27, Art. 3213; No. 49, Art. 6056; 2008, No. 18, Art. 1941; No. 29, Art. 3418, Art. 3420; No. 30, Art. 3616; 2009, No. 1, Art. 17; No. 29, Art. 3601; No. 52, Art. 6450; 2010, No. 21, Art. 2527; No. 31, Art. 4155; 2011, No. 15, Art. 2018, Art. 2025; No. 30, Art. 4567, Art. 4570, Art. 4572, Art. 4590; No. 48, Art. 6732; No. 49, Art. 7042; No. 50, Art. 7343, Art. 7359; 2012, No. 25, Art. 3264; No. 31, Art. 4322; No. 53, Art. 7648; 2013, No. 19, Art. 2312; No. 30, Art. 4060, Art. 4061; No. 52, Art. 6961, Art. 6973; 2014, No. 26, Art. 3377; No. 30, Art. 4261, Art. 4262; No. 48, Art. 6647; 2015, No. 1, Art. 11, Art. 12, Art. 52; No. 27, Art. 3996; No. 29, Art. 4350, Art. 4359; 2016, No. 15, Art. 2066; No. 27, Art. 4212; 2017, No. 31, Art. 4737; No. 40, Art. 5750; 2018, No. 23, the Art. 3229), and directed to the purposes provided by the corresponding license;

3.12.2.22. on the loans allowed the borrowers who are head contractors or contractors according to the Federal Law "About the State Defense Order" on the purpose of accomplishment of the state defense order.";

to add subitem 3.12.3 after the words "makes the decision" with words "(the common decision concerning set of loans)".

1.7. In the paragraph the second subitem 3.13.3 of Item 3.13 of the word "refunding rates" shall be replaced with words "key interest rate".

1.8. "Provided" to add paragraph two of subitem 3.14.1 of Item 3.14 after the word with words to "microfinance companies".

1.9. The paragraph one of Item 3.16 after the words "3.12 and 3.13" to add with words ", or Items 3.13 and 3. 14,".

1.10. State Items 4.9 and 4.10 in the following edition:

"4.9. Loans are classified in the V quality category with forming of reserve in the amount of at least 100 percent in cases:

absence at credit institution of the documents confirming implementation of the transaction with the borrower;

response at the borrower - credit institution of the license for banking operations.

4.10. On the loans (loans) granted within realization of the mechanism of project financing, the size of settlement reserve is determined proceeding from the level of creditworthness of the borrower appropriated proceeding from compliance to the maximum quantity of the criteria provided by the Section I of appendix 2 to the Provision of the Bank of Russia No. 483-P:

high level of creditworthness - settlement reserve in the amount of 1 to 5 percent;

sufficient level of creditworthness - settlement reserve in the amount of 5 and to 10 percent;

satisfactory level of creditworthness - settlement reserve in the amount of 10 and to 35 percent;

weak level of creditworthness - settlement reserve in the amount of 35 and to 100 percent.

The loan (loan) granted within realization of the mechanism of project financing in case of identification of the facts of its use not is classified by the purpose determined in the agreement based on which the loan (loan) is granted in the V quality category with forming of reserve in the amount of 100 percent.

In the presence on the loans (loans) granted within realization of the mechanism of project financing, the providing provided by Chapter 6 of this provision, the size of the created reserve is determined according to the procedure, established by the specified Chapter.

Concerning the loans (loans) granted within realization of the mechanism of project financing, requirements of Chapter 3 and Item 4.1 of this provision are not applied.

If on the loan (loan) granted within realization of the mechanism of project financing there comes at least one of the circumstances provided by the subitem "k" of Item 5 of the Factory of Project Financing program approved by the order of the Government of the Russian Federation of February 15, 2018 No. 158 "About the Factory of Project Financing program, forming of reserve on the corresponding credit (loan) is performed according to general requirements of this provision, including Chapter 3 (except for requirements of subitem 3.12.1 of Item 3.12 of this provision) and Item 4.1 of this provision, to end of validity of the credit (loan).".

1.11. In Item 5.1:

the second offer of paragraph one to add with the words "with the universal license or 1,5 of percent from the size of own means (capital) of credit institution with the basic license";

to add paragraph two after words of "credit institution" with the words "with the universal license or 1,5 of percent from the size of own means (capital) of credit institution with the basic license";

third - the fifth to state paragraphs in the following edition:

"Loans with individual signs of impairment (that is with signs which availability does not allow to classify the loan in the I quality category including if the financial position of the borrower and service quality of debt according to the loan are estimated worse, than good, taking into account requirements of Items 3.3 - 3.5, 3.7 and 3.8 of this provision and (or) the factors which are the basis for classification of loans according to requirements of Items 3.12 - 3.14 and 4.9 this provision are revealed), except as specified, provided by paragraphs the sixth, sixteenth and twenty fifth this Item, are estimated classified) on individual basis. In portfolios of homogeneous loans by which reserves are determined in the sizes specified in the tables of this Item increased on 0, percent point, but no more than 100 percent loans on which the decision according to Item 3 is made can be grouped. 10, subitem 3.12.3 of Item 3.12 and subitem 3.14.3 of Item 3.14 of this provision, and the loans (set of loans) allowed one borrower - to physical person, no more than 100 thousand rubles in the absence of documents for assessment of financial position of the borrower.

If according to the loan which is earlier included in portfolio of homogeneous loans individual signs of impairment are revealed, the credit institution shall exclude the specified loan from portfolio of homogeneous loans, except for: the cases provided by paragraphs the sixth, sixteenth and twenty fifth this Item; cases when the size of the loan does not exceed 0, percent from the size of own means (capital) of credit institution (but no more than 1 million rubles) and on it there is no overdue debt lasting over 90 calendar days; cases when the reserve according to loans is created in the increased size, the provided in paragraph three of this Item. Loans on which be revealed the circumstances specified in Item 4.9 of this provision can are included in separate portfolio of homogeneous loans with the created reserve in the amount of 100 percent.

If the loans allowed the borrower are classified on individual basis and according to them there are impairment signs, other loans allowed this borrower cannot be included in portfolio of homogeneous loans and (or) shall be excluded from portfolio of homogeneous loans, except for loans, the size of each of which does not exceed percent 0,01 from the size of own means (capital) of credit institution (but no more than 1 million rubles), and at the same time the cumulative size of the loans issued by credit institution with the universal license to the same borrower does not exceed percent 0,5 from the size of its own means (capital), and the cumulative size of the loans issued by credit institution with the basic license to the same borrower does not exceed percent 1,5 from the size of its own means (capital), and also loans according to which reserve is created in increased the size, the provided in paragraph three of this Item.";

in paragraph six after words of "overdue payments according to loans" to add with words "(on principal debt and (or) percent)", shall be replaced with words words of "code 8806" "codes 8734, of 8751, 8806", shall be replaced with words the words "in table 3.2" "in table 3.3", shall be replaced with words the words "in table 3" "in table 3.1", shall be replaced with words the words "in table 3.1" "in table 3.2";

in the paragraph the thirteenth "the mortgage specified in table 3.2" shall be replaced with words words "the mortgage specified in table 3.3" after the words "in tables 3" to add with words ", 3.1";

to state lines 1 and 2 of table 3.2 of the paragraph of the fourteenth in the following edition:

"

1	Portfolio of loans without overdue payments	0,35	0,5	1	3	0,75	1,5	5
2	Portfolio of loans with overdue payments lasting from 1 up to 30 calendar days	1,5		3	8

".

in the paragraph the fifteenth "overdue" to exclude the word;

in the paragraph the sixteenth ambassador of words "27, Art. 4198" to add No. with words "; 2017, No. 31, Art. 4756; No. 49, Art. 7328; 2018, No. 1, Art. 89; No. 28, of Art. 4149" shall be replaced with words the words "not exceeding 5" "not exceeding 10";

in the paragraph the twenty fourth "overdue" to exclude the word.

1.12. Add Item 5.2 with the offer of the following content: "The approximate list of information for the analysis of financial position of the borrower which the credit institution uses in case of decision making about inclusion of the loan in the corresponding portfolio of homogeneous loans is given in appendix 2 to this Provision.".

1.13. In Item 6.2:

in paragraph eleven of subitem 6.2.1 of the word ""Agency for housing mortgage lending" joint-stock company shall be replaced with words "ДОМ.РФ joint-stock company;

add with subitem 6.2.10 of the following content:

"6.2.10. independent guarantees and guarantees of "Federal Corporation on Development of Small and Medium Entrepreneurship" joint-stock company in case of observance of the standard rates established according to parts 11.4 - 11.5 articles 25.1 of the Federal Law of July 24, 2007 No. 209-FZ "About development of small and medium entrepreneurship in the Russian Federation.".

1.14. In paragraph one of Item 9.5 of the word "reclassify the loan and (or) specify reserve" shall be replaced with words "reclassify the loan (portfolio of homogeneous loans) and (or) to specify reserve according to the loan (portfolio of homogeneous loans)".

1.15. In appendix 2:

in Item 1:

the paragraph one to add with words ", and also data of official sources";

to add paragraph two of subitem 1.2 with words "; data on cash flow; the certificates of the opened settlement (current) accounts in credit institutions issued or confirmed with tax authority or the statements from bank accounts about balances in cash on accounts in other credit institutions issued and confirmed with credit institutions";

add with subitem 1.5 of the following content:

"1.5. For all types of borrowers for the purpose of the analysis of their financial position information of bureau of credit histories and (or) the Central catalog of credit stories, information of official public information resources (the official sites on the Internet) the Supreme Court of the Russian Federation, Federal Bailiff Service, the Federal Tax Service, the Pension Fund of the Russian Federation, Federal Registration Service, the Unified Federal Register of Bankruptcy Information, Federal notarial chamber can be used.";

add with item 4 of the following content:

"4. The documents confirming the income of borrowers - physical persons, and also documents for the analysis of financial position of borrowers - legal entities, provided by borrowers at the time of adoption by credit institution of the decision on reference of loans in the corresponding portfolios of homogeneous loans.".

1.16. "Subjects small" to add Item 2 of appendix 4 after words with the words "and average".

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

 

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