INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of November 27, 2018 No. 4989-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 of 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. 27, Art. 3950; No. 31, Art. 4852; No. 32, the Art. 5115), 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. 27, Art. 3950; No. 31, Art. 4852; No. 32, the Art. 5100, the Art. 5115) 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 November 23, 2018 No. 35) 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, on September 25, 2018 No. 52250, the following changes.

1.1. Add Item 1.3 with paragraphs of the following content:

"Calculation of the obligatory standard rates, indicators and codes provided by this Instruction and also in calculation of coefficient of ruble funding join requirements (assets), obligations (liabilities), the income, expenses, the other comprehensive income reflected in the corresponding balance sheet accounts, except for account balances, intended for accounting:

the adjustments increasing (reducing) cost of the provided (placed) money, the acquired rights to claim in case of initial recognition, and also in case of the subsequent value assessment of the specified financial assets;

the adjustments increasing (reducing) cost borrowed funds in case of initial recognition, and also in case of the subsequent value assessment of the specified financial liabilities;

the adjustments increasing (reducing) cost debt securities;

the revaluation increasing (reducing) the cost of borrowed funds, the issued securities estimated at fair value through profit or loss;

the revaluation of equity securities reflected in case of initial recognition of securities;

the revaluation increasing (reducing) asset cost, estimated at fair value through profit or loss or through other comprehensive income on which the reserve on possible losses or reserve on possible losses according to loans, on the loan and equated to it debt is created;

the provision under the expected credit losses (including on the securities estimated at fair value through other comprehensive income) reflected in the balance sheet accounts N№10630 and 10631;

adjustments of the created reserve on possible losses to the provision amount under the expected credit losses;

cost amounts according to the transaction on financial liabilities and financial assets reflected in the balance sheet account No. 47440;

the sizes added, but actually not drawn interest by credit institution according to the loans, other assets classified in IV and V quality categories for the purpose of forming of reserves on possible losses or reserves on possible losses under loans, on the loan and equated to it debt.".

1.2. In the paragraph the second subitem 2.1.1 of Item 2.1 of the word" +" to exclude code 8957.i.

1.3. In Item 2.3:

in subitem 2.3.4.1:

in paragraph three after figures "40111," to add with figures "47468, 47469,", "61401, 61403," to exclude figures;

in paragraph four after figures "8781," to add with figures "8794,", to exclude figures "8956.1,";

in subitem 2.3.4.2:

in paragraph three after figures "40111," to add with figures "47468, 47469,", "61401, 61403," to exclude figures;

in paragraph four after figures "8781," to add with figures "8794,", to exclude figures "8956.2,";

in subitem 2.3.4.3:

in paragraph three after figures "40111," to add with figures "47468, 47469,", "61401, 61403," to exclude figures;

in paragraph four after figures "8781," to add with figures "8794,", to exclude figures "8956.0,";

in the paragraph the second subitem 2.3.8 after figures "10611," to add with figures "10614,", "70601 - 70605, 70613, 70615, 70701 - 70705" to replace figures with figures "70601 - 70604, 70613, 70615, 70701 - 70704";

in the paragraph the second subitem 2.3.25 of the word "and code 8957" and figure "8855.1, 8855.2, 8855.0," to exclude;

in subitem 2.3.34 of the word", 8956.i" to exclude.

1.4. Third subitem 2.6.6 of Item 2.6 to declare the paragraph invalid.

1.5. To state the table of Item 3.2 in the following edition:

"

Date	from 01.01.2019	from 01.04.2019	from 01.07.2019	from 01.10.2019	from 01.01.2020
Value of the allowance of maintenance of capital adequacy	1,875	2,0	2,125	2,25	2,5

                                                                                                                                        ".

1.6. To state the table of paragraph two of Item 3.4 in the following edition:

"

Date	from 01.01.2019	from 01.01.2020
Value of the allowance for the system importance	0,65	1,0

                                                                                                                                        ".

1.7. Item in paragraph four 4.3 figures "51201, 51202, 51301, 51302," to replace with figures "51211, 51212, 51311, 51312, 51511, 51512,".

1.8. State Item 5.9 in the following edition:

"5.9. The standard rate of H6 is not calculated concerning credit institutions - members of banking group which part the creditor bank is, constituting the consolidated statements for risk identification, accepted on the consolidated basis which is represented parent credit institution of banking group in banking supervisor authority of adoptive state of parent credit institution.".

1.9. In Item 14.2:

in paragraph one of figure "2018" to replace with figures "2021";

word in paragraph three "paragraph of the fourteenth subitem 2.1.1 of Item 2." To exclude 1,.

1.10. In appendix 1:

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

in the paragraph the second "50709," to exclude figures;

in paragraph three of the word "516A, 517A, 518A, 519A" to replace with figures "51215 - 51217, 51315 - 51317, 51515 - 51517";

in the column of 1 line of codes 8760.1, 8760. 8760.0 figures "50709," to exclude 2,;

in paragraph three of the column of 1 line of code 8773 after figures "40111," to add with figures "47468, 47469,", "61401, 61403," to exclude figures;

after line of code 8782 to add with line of code 8794 following of content:

"

The requirements reflected in the balance sheet accounts N№10626, 10629, 30128, 30242, 30428, 30608, 32027, 32116, 32212, 32312, 32407, 32507, 44116, 44216, 44316, 44416, 44516, 44616, 44716, 44816, 44916, 45016, 45116, 45216, 45316, 45416, 45523, 45616, 45713, 45820, 45920, 46012, 46112, 46212, 46312, 46412, 46512, 46612, 46712, 46812, 46912, 47012, 47112, 47212, 47312, 47440, 47447, 47450, 47451, 47455, 47456, 47459, 47463, 47464, 47465, 47467, 47704, 47805, 47807, 47809, 47811, 47813, 50140, 50264, 50428, 50430, 50508, 50670, 50770, 50907, 50909, 51233, 51234, 51340, 51341, 51526, 51528, 60107, 60213, 60221, 60351

8794

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

                                                                                                                                       ";

in the paragraph the second to replace columns of 1 line of code 8815 of the word "514A, 515A, 516A, 517A, 518A, 519A" with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in paragraph four of the column of 1 line of codes 8825.1, 8825. 8825.0 figures "50709," to exclude 2,;

line of codes 8855.1, 8855. 2, 8855.0, line of codes 8956.1, 8956. 2, 8956.0, line of codes 8957.1, 8957. 2, 8957.0 to recognize invalid;

paragraphs of the sixth - the eleventh columns of 1 line of codes 8856.1, 8856. 2, 8856.0 to recognize invalid;

paragraphs the fourth - the seventh column of 1 line of codes 8857.1, 8857. 2, 8857.0 to recognize invalid;

in the column of 1 line of code of 8871 figures "51401 - 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 51407, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of code 8876 of the word "The Size of Remaining Balance (Part of the Remaining Balance) Which Is Registered on the Balance Sheet Account No. 52503 (Added" to replace with the word "Charged", the word "dates)" to replace with the word "dates";

in the column of 1 line of code 8883 of the word "The Size of Remaining Balance (Part of the Remaining Balance) Which Is Registered on the Balance Sheet Account No. 52503 (Added" to replace with the word "Charged", the word "dates)" to replace with the word "dates";

in paragraph four of the column of 1 line of code 8888." (Except for credit requirements to the third parties connected with bank)" to exclude word t;

in paragraph one of the column of 1 line of code 8889." (Including the faces tied with bank)" to exclude word t;

in paragraph one of the column of 1 line of code 8890 of the word" (including the faces tied with bank)" to exclude;

in the column of 1 line of code of 8901 figures "51601 - 51801 - 51807, 51901 - 51907" to replace 51607, with figures "51215 - 51217, 51315 - 51317, 51515 - 51517";

in the column of 1 line of code 8902 of figure "51201 - 51207" to replace with figures "51211, 51311, 51511";

in the column of 1 line of code "51601 - 51607, 51801 - 51807, 51901 - 51907" to replace 8903 figures with figures "51215 - 51217, 51315 - 51317, 51515 - 51517";

in the column of 1 line of code 8904 of figure "51301 - 51307" to replace with figures "51212, 51312, 51512";

in the column of 1 line of codes 8913.1, 8913. 8913.0 figures "51401 - 51407, 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of codes 8917.1, 8917. 8917.0 figures "51401 - 51407, 51501 - 51507, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of code of the 8919th figure "50709," to exclude;

in the column of 1 line of codes 8923.1, 8923. 8923.0 figures "51401 - 51407, 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of code "51601 - 51607, 51801 - 51807, 51901 - 51907" to replace 8932 figures with figures "51215 - 51217, 51315 - 51317, 51515 - 51517";

in paragraph five of the column of 1 line of codes 8945.1, 8945. 8945.0 figures "51201 - 51207, 51301 - 51307, 5140 - 51407, 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51211 - 51217, 51311 - 51317, 51511 - 51517";

in the column of 1 line of codes 8946.1, 8946. 8946.0 figures "51401 - 51407, 51501 - 51507, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of codes 8953.1, 8953. 2, 8953.0 figures "51801 - 51807" to replace with figures "51216, 51316, 51516";

in the column of 1 line of codes 8954.1, 8954. 2, 8954.0 figures "51801 - 51807" to replace with figures "51216, 51316, 51516";

in the column of 1 line of codes 8959.1, 8959. 8959.0 figures "51401 - 51407, 51501 - 51507, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of codes 8960.1, 8960. 2, 8960.0 figures "51201 - 51207, 51301 - 51307" to replace with figures "51211, 51212, 51311, 51312, 51511, 51512";

in the column of 1 line of code 8961 of the word "512A, 513A, 514A, 515A, 516A, 517A, 518A, 519A, 52503" to replace with figures "51211 - 51216, 51311 - 51316, 51511 - 51516";

in the column of 1 line of codes 8964.1, 8964. 2, 8964.0 figures "51401 - 51403" to replace with figures "51213, 51313, 51513";

in the column of 1 line of code of the 8966th figure "51401 - 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 51407, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in paragraph one of the column of 1 line of code 8972 of the word "and (or) available for sale" shall be replaced with words ", at fair value through other comprehensive income";

in paragraph one of the column of 1 line of code "51201 - 51207, 51301 - 51307, 51401 - 51407, 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 8973 figures with figures "51211 - 51217, 51311 - 51317, 51511 - 51517";

in the column of 1 line of codes 8974.1, 8974. 8974.0 figures "51201 - 51207, 51301 - 51307, 51401 - 51407, 51501 - 51507, 51601 - 51607, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51211 - 51217, 51311 - 51317, 51511 - 51517";

in the column of 1 line of codes 8975.1, 8975. 8975.0 figures "51401 - 51407, 51501 - 51507, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of code of the 8976th figure "51401 - 51501 - 51507, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 51407, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of codes 8980.1, 8980. 8980.0 figures "50709," to exclude 2,, "51601 - 51609, 51701 - 51709, 51801 - 51809, 51901 - 51909" to replace figures with figures "51215 - 51217, 51315 - 51317, 51515 - 51517";

in paragraph one of the column of 1 line of code 8981 of figure "50709" to replace with figures "50708";

in the column of 1 line of code "50719," to exclude 8982 figures;

in paragraph one of the column of 1 line of code "50709," to exclude 8984 figures;

in the column of 1 line of codes 8985.1, 8985. 8985.0 figures "51401 - 51407, 51501 - 51507, 51701 - 51707, 51801 - 51807, 51901 - 51907" to replace 2, with figures "51213 - 51217, 51313 - 51317, 51513 - 51517";

in the column of 1 line of code 8989:

in paragraph nine of the word "and also available for sale" shall be replaced with words "at fair value through other comprehensive income";

in the paragraph the nineteenth "51203 - 51207, 51303 - 51307, 51401 - 51407, 51501 - 51507, 51603 - 51607, 51703 - 51707, 51803 - 51807, 51901 - 51907" to replace figures with figures "51211 - 51217, 51311 - 51317, 51511 - 51517";

in paragraph one of the column of 1 line of code 8995 of the word "and also available for sale" shall be replaced with words "at fair value through other comprehensive income", figures "51601, 51602, 51701, 51702, 51801, 51802" to replace with figures "51215, 51216, 51315, 51316, 51515, 51516";

in paragraph three of the column of 1 line of code of the 8996th figure "51206 - 51306 - 51309, 51406 - 51409, 51506 - 51509, 51606 - 51609, 51706 - 51709, 51806 - 51809, 51906 - 51909" to replace 51209, with figures "51211 - 51217, 51311 - 51317, 51511 - 51517".

1.11. The fourth Item 10 of appendix 2 to declare the paragraph invalid.

1.12. The paragraph third Item 7 and paragraph two of Item 8 of appendix 3 to recognize invalid.

1.13. State appendix 8 in edition of appendix to this Instruction.

2. This Instruction is subject to official publication and becomes effective since January 1, 2019.

Appendix

to the Instruction of the Central bank of the Russian Federation of November 27, 2018 No. 4989-U "About modification of the Instruction of the Bank of Russia of June 28, 2017 No. 180-I "About obligatory standard rates of banks"

"Appendix 8

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

Procedure for profit distribution (part of profit)

The bank can share profit (part of profit), direct it to the purposes, the stipulated in Article 24 Federal Laws "About Banks and Banking Activity", during the period from January 1, 2019 to March 31, 2019, and also since January 1, 2020 in the amount of, established according to the following table (during other periods - according to the table of Item 11.6 of this Instruction):

Period	Quartile	The cumulative size of the allowance of maintenance of the capital adequacy and the countercyclical allowance calculated according to Chapter 3 of this Instruction for the banks which are not relating to systemically significant credit institutions, as a percentage	The cumulative size of the allowance of maintenance of capital adequacy, the countercyclical allowance calculated according to Chapter 3 of this Instruction, and the allowance for the system importance for the banks relating to systemically significant credit institutions, as a percentage	Profit share, subject to distribution, as a percentage
1	2	3	4	5
01.01.2019 - 31.03.2019	The first	Less or equally (0,469 + 25% of the countercyclical allowance)	Less or equally (0,631 + 25% of the countercyclical allowance)	0
	The second	Less or equally (0,938 + 50% of the countercyclical allowance) and more (0,469 + 25% of the countercyclical allowance)	Less or equally (1,2625 + 50% of the countercyclical allowance) and more (0,631 + 25% of the countercyclical allowance)	20
	Third	Less or equally (1,406 + 75% of the countercyclical allowance) and more (0,938 + 50% of the countercyclical allowance)	Less or equally (1,894 + 75% of the countercyclical allowance) and more (1,2625 + 50% of the countercyclical allowance)	40
	The fourth	Less or equally (1,875 + 100% of the countercyclical allowance) and more (1,406 + 75% of the countercyclical allowance)	Less or equally (2,525 + 100% of the countercyclical allowance) and more (1,894 + 75% of the countercyclical allowance)	60
	Exceeds the amount of minimum admissible values of allowances	More (1,875 + 100% of the countercyclical allowance)	More (2,525 + 100% of the countercyclical allowance)	100
from 01.01.2020	The first	Less or equally (0,625 + 25% of the countercyclical allowance)	Less or equally (0,875 + 25% of the countercyclical allowance)	0
	The second	Less or equally (1,25 + 50% of the countercyclical allowance) and more (0,625 + 25% of the countercyclical allowance)	Less or equally (1,75 + 50% of the countercyclical allowance) and more (0,875 + 25% of the countercyclical allowance)	20
	Third	Less or equally (1,875 + 75% of the countercyclical allowance) and more (1,25 + 50% of the countercyclical allowance)	Less or equally (2,625 + 75% of the countercyclical allowance) and more (1,75 + 50% of the countercyclical allowance)	40
	The fourth	Less or equally (2,5 + 100% of the countercyclical allowance) and more (1,875 + 75% of the countercyclical allowance)	Less or equally (3,5 + 100% of the countercyclical allowance) and more (2,625 + 75% of the countercyclical allowance)	60
	Exceeds the amount of minimum admissible values of allowances	More (2,5 + 100% of the countercyclical allowance)	More (3,5 + 100% of the countercyclical allowance)	100

 

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