INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of September 30, 2019 No. 5275-U

About procedure for creation and submission to the Bank of Russia of the business plan of credit institution and criteria of its assessment

This Instruction based on Article part three 10, Article 11 parts two. 4, Article parts six 12, part one item 4 of Article 14, parts one of article 23 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 of Art. 3400; No. 27, Art. 3950; No. 31, Art. 4852; No. 32, Art. 5100, Art. 5115; No. 49, Art. 7524; No. 53, Art. 8440; 2019, No. 6, Art. 463; No. 22, Art. 2661; No. 23, Art. 2921; No. 30, of the Art. 4151) (further - the Federal Law "About Banks and Banking Activity") establishes procedure for creation and submission to the Bank of Russia of the business plan of credit institution, and also criteria of its assessment.

Chapter 1. Procedure for creation and submission to Bank of Russia of the business plan of credit institution

1.1. The business plan of credit institution is constituted and it is represented in the Bank of Russia (Department of the admission and termination of activities of the financial organizations of the Bank of Russia) as a part of set of the documents sent to the Bank of Russia in the following cases:

1.1.1. during creation of credit institution by organization;

1.1.2. in case of change of the status of credit institution from non-bank credit institution on bank;

1.1.3. by reorganization of credit institution (except as specified, provided by subitems 1.2.1 - 1.2.5 Items 1.2 of this Instruction);

1.1.4. when obtaining by bank with the universal license of the status of bank with the basic license or bank with the basic license of the status of bank with the universal license;

1.1.5. in case of receipt of the license for banking operations by credit institution which proceeedings about bankruptcy are stopped in connection with repayment of its obligations by participants (shareholders) or the third party (third parties);

1.1.6. in case of receipt of the license for banking operations in case of expansion of activities (except for the case provided by subitem 1.2.5 of Item 1.2 of this Instruction);

1.1.7. in case of change of the status of microfinance company on the status of bank with the basic license or non-bank credit institution.

1.1.8. ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 24.09.2024 No. 6855-U

1.2. The business plan of credit institution can not be constituted and not be represented to the Bank of Russia in case:

1.2.1. creations of credit institution as a result of reorganization of credit institution in the form of separation (allocation) performed at the same time with merge (accession);

1.2.2. reorganization of credit institution in case of simultaneous observance of the following conditions:

during the period of time on which the business plan was constituted and provided to the Bank of Russia earlier credit institution documents for state registration of the credit institution created by transformation and receipt of the license for banking operations go to the Bank of Russia;

before date of completion of reorganization in the form of transformation and within three next years after such reorganization change of nature of transactions and the main activities of credit institution, the list of the main, according to credit institution, clients of credit institution, types and level of the most significant risks to whom the credit institution is subject, reflected in explanatory information to the last annual or intermediate accounting (financial) accounts opened by credit institution according to the Instruction of the Bank of Russia of November 27, 2018 No. 4983-U "About forms, procedure and terms of disclosure by credit institutions of information on the activities", the registered Ministry of Justice of the Russian Federation on February 21, 2019, registration No. 53861, with the changes made by Instructions of the Bank of Russia of February 27, 2020 No. 5405-U is not supposed (it is registered by the Ministry of Justice of the Russian Federation on March 31, 2020, registration No. 57917), of January 11, 2021 No. 5701-U (it is registered by the Ministry of Justice of the Russian Federation on February 15, 2021, registration No. 62505);

1.2.3. reorganization of credit institution as measure for the prevention of its bankruptcy, including according to the plan of participation of the Bank of Russia or the "Deposit Insurance Agency" state corporation in implementation of measures for the prevention of bankruptcy of the credit institution having the license of the Bank of Russia for attraction in deposits of money of physical persons and on opening and maintaining bank accounts of physical persons;

1.2.4. reorganization of credit institution in the form of accession if the size of own means (capital) of the attached credit institution (the size of net assets of the attached legal entity, not being credit institution) on acceptance date her (his) authorized body of management of the decision on reorganization constitutes the size which is not exceeding 10 percent of the size of own means (capital) of the attaching credit institution;

1.2.5. expansions of activities of credit institution by receipt of the license on banking operations or reorganization of credit institution concerning which and (or) persons, under control or considerable influence of which there is such credit institution are entered measures of restrictive nature by foreign state, national association and (or) the union and (or) the public (interstate) institution of foreign state or national association and (or) union.

1.3. The business plan shall be constituted for the term determined by credit institution (founders of credit institution - in case of creation of credit institution by organization, microfinance company in case of change of the status on bank with the basic license or non-bank credit institution), but for three at least complete calendar years and for period of time from the planned date of receipt of the license for banking operations (reorganization completion) on December 31 of calendar year in which receipt of the license (reorganization completion) is planned (further - the period of action of the business plan).

The business plan of credit institution shall contain the expected action program of credit institution for action of the business plan, including indicators and the predicted results of activities.

1.4. Instead of the new business plan the credit institution has the right to constitute changes in the business plan in the cases provided:

subitem 1.1.4 of Item 1.1 of this Instruction;

subitem 1.1.3 (only concerning the credit institution reorganized in the form of transformation) and subitem 1.1.6 of Item 1.1 of this Instruction if from the date of the previous submission of the business plan of credit institution to the Bank of Russia and before the expiration of the period of action of the business plan change of balance sheet total more than is not planned for 10 percent.

1.4.1. Changes in the business plan shall cover the entire period which remained before the expiration of the period of action of the business plan.

The business plan of credit institution, taking into account the made changes, shall conform to the requirements established by this Instruction to the business plan.

If, according to credit institution, in its activities there are no changes which have essential nature, in changes in the business plan specifying on lack of such changes shall contain.

1.4.2. Changes in the business plan of credit institution are drawn up in the form of new edition of the corresponding structural units of the business plan (Chapter, Item, the subitem, appendix) to which changes are made.

1.5. The business plan of credit institution (change in the business plan of credit institution) affirms general meeting of founders, shareholders (participants) of credit institution (microfinance company in case of change of the status on bank with the basic license or non-bank credit institution).

1.6. The business plan of credit institution (change in the business plan) shall (shall) contain heading.

In business plan heading (changes in the business plan)) it is specified to credit institution:

information on approval of the business plan, and in case of representation of changes in the business plan of credit institution - about approval of such changes and about the business plan in which they are brought: date and number of the minutes of general meeting of founders, shareholders (participants) of credit institution;

the words "Business Plan" or "Changes in the Business Plan" (in case of approval of changes in the business plan);

complete corporate and reduced corporate (in case of its availability) names of credit institution.

1.7. The business plan of credit institution shall contain descriptive part and appendices, and also shall be divided into Chapters.

The table of contents of the business plan shall be drawn up on the separate page (separate pages).

1.7.1. Descriptive part of the business plan of credit institution shall contain:

general information about credit institution;

information on the purposes, tasks and marketing policy of credit institution;

information on system of governing bodies of credit institution and its development;

information on the organization of risk management systems and the capital, internal control, internal audit and counteraction of legalization (washing) of income gained in the criminal way, to financing of terrorism and financing of distribution of weapons of mass destruction (further - POD/FT) in credit institution and the planned changes;

information on the planned indicators of activities of credit institution;

information about material and staffing of activities of credit institution;

the scheme of interrelations of credit institution and persons, under control or considerable influence of which there is credit institution, constituted according to the Provision of the Bank of Russia of December 26, 2017 No. 622-P "About procedure for disclosure of information on persons, under control or considerable influence of which there are participating banks of system of compulsory deposit insurance of physical persons in banks of the Russian Federation, and also about procedure for disclosure and submission to the Bank of Russia of information on structure and shareholding structure (participants) of non-state pension funds, insurance companies, managing companies, microfinance companies, including about persons, under control or considerable influence of which they are", the registered Ministry of Justice of the Russian Federation on March 20, 2018 No. 50423 (further - the scheme of interrelations), or information that the scheme of interrelations which is earlier provided to the Bank of Russia did not change.

In descriptive part of the business plan of credit institution other additional information can be specified.

1.7.1.1. General information about credit institution shall contain:

the registration number assigned by the Bank of Russia, the primary state registration number and dates of their assignment (except as specified creations of credit institution by organization and change of the status of microfinance company on the status of bank with the basic license or non-bank credit institution);

location and address of credit institution;

main activities of credit institution;

contact information of person responsible for interaction in case of consideration of the business plan by the Bank of Russia (surname, name, middle name (the last in the presence), phone);

license types on banking operations, available for credit institution (except as specified creations of credit institution by organization and change of the status of microfinance company on the status of bank with the basic license or non-bank credit institution).

1.7.1.2. Information on the purposes, tasks and marketing policy of credit institution shall reflect:

the analysis of the markets in which activities implementation, and also conclusions on analysis results is planned;

data on the current provision of credit institution in the market of banking services (except as specified creations of credit institution by organization and change of the status of microfinance company on the status of bank with the basic license or non-bank credit institution), target orientation concerning segments of the market of banking and other financial services, determination of market specialization of credit institution;

long-term vision of role and the place of credit institution in the market of financial services, specific features of its positioning in the market circle;

the technologies planned for use and the direction (opportunity) of their enhancement;

the development strategy of credit institution concerning type (types) of activities, which implementation (which) it is planned by credit institution (actions which the credit institution plans to perform for achievement of effective objectives);

the description of circle of prospective clients of the credit institution created by organization, credit institution, created by reorganization (the attaching credit institution), credit institution after change of the status of microfinance company on the status of bank with the basic license or non-bank credit institution including the planned number of clients, opportunities and restrictions on expansion of circle of clients, the short description of the services planned for provision to clients (in case of submission of the business plan under organization, reorganization or change of the status of microfinance company on the status of bank with the basic license or non-bank credit institution). The operating credit institution specifies the information about the main, according to credit institution, the clients serviced in credit institution at the time of approval of the business plan of credit institution. Information on prospective clients of credit institution (the main, according to credit institution, the clients serviced in credit institution) shall contain their complete and in the presence reduced names (for the commercial organizations - complete corporate and in the presence reduced corporate names) and the primary state registration number (for the Russian legal entities);

analysis results, allowing to reveal and structure strong and weaknesses of credit institution, and also the potential opportunities of development and threat capable to neutralize the present possibilities.

1.7.1.3. Information on system of governing bodies of credit institution and its development shall contain data on governing bodies of credit institution, the description of organizational structure of credit institution with indication of names of its structural divisions, committees, their main (key) functions, subordinations and accountabilities, the principles of distribution between them and their officials of powers and responsibility, procedure for authority delegation, the planned personnel number on each structural division (taking into account the requirements established by the Provision of the Bank of Russia of December 16, 2003 No. 242-P "About the organization of internal control in credit institutions and banking groups" No. registered by the Ministry of Justice of the Russian Federation on January 27, 2004 5489, on December 22, 2004 No. 6222, on March 20, 2009 No. 13547, on June 30, 2014 No. 32913, on October 25, 2017 No. 48670) (further - the Provision of the Bank of Russia No. 242-P). Information on management system of credit institution shall contain the scheme of management system reflecting subordination of structural divisions of credit institution.

1.7.1.4. Information on the organization of risk management systems and the capital, internal control, internal audit and POD/FT shall contain the description in credit institution and the planned changes:

the planned risk management system and the capital of the credit institution developed according to requirements of the Instruction of the Bank of Russia of April 15, 2015 No. 3624-U "About requirements to risk management system and the capital of credit institution and banking group", No. registered by the Ministry of Justice of the Russian Federation on May 26, 2015 37388, on December 28, 2015 No. 40325, on December 7, 2017 No. 49156, on September 5, 2018 No. 52084 (further - the Instruction of the Bank of Russia No. 3624-U) and Provisions of the Bank of Russia of December 30, 2016 No. 575-P "About requirements to risk management, rules of the organization of risk management system, clearing providing, placement of property, forming of assets of the central partner, and also to the group of people in which the central partner has the right to open trading and clearing accounts, and technique of determination of the allocated capital of the central partner", No. registered by the Ministry of Justice of the Russian Federation on March 20, 2017 46034, on June 5, 2018 No. 51286 (further - the Provision of the Bank of Russia No. 575-P) (for non-bank credit institution - the central partner), including the description:

structures of governing bodies and expected distribution of the functions connected with risk management and the capital between the board of directors (supervisory board), individual and joint executive bodies, and also divisions and employees of credit institution;

risks, significant and potentially significant for credit institution;

approaches to assessment and determination of capital need concerning each of the specified risks, and also to calculation of cumulative size of the necessary capital;

the control procedures for level adopted risks and ensuring sufficiency of the available capital of credit institution for their covering;

the planned internal control system, including service of internal audit and service of internal control, taking into account requirements of the Provision of the Bank of Russia No. 242-P;

implementation of internal control for the purpose of POD/FT taking into account requirements of the Provision of the Bank of Russia of March 2, 2012 No. 375-P "About requirements to rules of internal control of credit institution for the purpose of counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing", No. registered by the Ministry of Justice of the Russian Federation on April 6, 2012 23744, on January 27, 2014 No. 31125, on March 6, 2014 No. 31531, on July 24, 2014 No. 33249, on April 10, 2015 No. 36828, on August 19, 2016 No. 43313, on October 30, 2017 No. 48720, on April 5, 2018 No. 50656, on April 5, 2018 No. 50657, on March 15, 2019 No. 54061.

1.7.1.5. Information on the planned indicators of activities of credit institution shall include:

data on forecast values of active and passive transactions of credit institution, the planned evaluation procedure of quality of assets of credit institution and credit risk according to loans (portfolios of homogeneous loans) on quality categories, the planned procedure for acceptance and execution of decisions on forming of reserve according to 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", the registered Ministry of Justice of the Russian Federation on July 12, 2017 No. 47384, on October 3, 2018 No. 52308, on December 19, 2018 No. 53053, on January 23, 2019 No. 53505, on September 12, 2019 No. 55910 (further - the Provision of the Bank of Russia No. 590-P), 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, on December 19, 2018 No. 53054, on September 12, 2019 No. 55911 (further - the Provision of the Bank of Russia No. 611-P), the Instruction of the Bank of Russia of June 22, 2005 No. 1584-U "About forming and the size of reserve on possible losses under transactions of credit institutions with residents of offshore zones", the registered Ministry of Justice of the Russian Federation on July 15, 2005 No. 6799 (further - the Instruction of the Bank of Russia No. 1584-U), the Instruction of the Bank of Russia of November 17, 2011 No. 2132-U "About features of forming by credit institutions of reserve on possible losses on transactions with securities, the rights to which make sure depositaries", the registered Ministry of Justice of the Russian Federation on December 12, 2011 No. 22544, on August 1, 2012 No. 25070, on December 11, 2014 No. 35134, on December 18, 2015 No. 40170, on October 16, 2017 No. 48551, on February 7, 2019 No. 53707 (further - the Instruction of the Bank of Russia No. 2732-U), for the beginning of each planned year and for the beginning of the year following after the third planned year of activities of credit institution;

assessment of perspectives of accomplishment by credit institution of mandatory reserve requirements according to the Provision of the Bank of Russia of January 11, 2021 No. 753-P "About required reserves of credit institutions", the registered Ministry of Justice of the Russian Federation on May 28, 2021, registration No. 63663, with the changes made by Instructions of the Bank of Russia of September 21, 2021 No. 5939-U (it is registered by the Ministry of Justice of the Russian Federation on September 23, 2021, registration No. 65105), of December 6, 2021 No. 6005-U (it is registered by the Ministry of Justice of the Russian Federation on March 14, 2022, registration No. 67723) (further - the Provision of the Bank of Russia No. 753-P), including accomplishment of obligation on averaging of required reserves by maintenance of average size of required reserves on correspondent account and correspondent sub-account (correspondent sub-accounts) opened in the Bank of Russia in currency of the Russian Federation;

information on forecast values of amounts and structure of the income, expenses and profit with reasons for these indicators;

data on the planned actions aimed at ensuring compliance with the obligatory standard rates established by the Bank of Russia and procedure for their implementation;

forecast calculation of the obligatory standard rates of credit institution established by regulations of the Bank of Russia, including the Instruction of the Bank of Russia of November 29, 2019 No. 199-I "About obligatory standard rates and allowances to capital adequacy ratios of banks with the universal license" registered by the Ministry of Justice of the Russian Federation on December 27, 2019, registration No. 57008, with the changes made by Instructions of the Bank of Russia of March 26, 2020 No. 5423-U (it is registered by the Ministry of Justice of the Russian Federation on March 31, 2020, registration No. 57913), of August 3, 2020 No. 5520-U (it is registered by the Ministry of Justice of the Russian Federation on November 3, 2020, registration No. 60730), of August 3, 2020 No. 5521-U (it is registered by the Ministry of Justice of the Russian Federation on September 11, 2020, registration No. 59770), of January 12, 2021 No. 5705-U (it is registered by the Ministry of Justice of the Russian Federation on April 15, 2021, registration No. 63150), of April 20, 2021 No. 5783-U (it is registered by the Ministry of Justice of the Russian Federation on June 11, 2021, registration No. 63866), of August 18, 2021 No. 5886-U (it is registered by the Ministry of Justice of the Russian Federation on September 21, 2021, registration No. 65078), of December 24, 2021 No. 6040-U (it is registered by the Ministry of Justice of the Russian Federation on January 26, 2022, registration No. 67014) (further - the Instruction of the Bank of Russia No. 199-I), the Instruction of the Bank of Russia of December 6, 2017 No. 183-I "About obligatory standard rates of banks with the basic license", registered by the Ministry of Justice of the Russian Federation on March 2, 2018, registration No. 50206, with the changes made by Instructions of the Bank of Russia of July 18, 2019 No. 5213-U (it is registered by the Ministry of Justice of the Russian Federation on September 12, 2019, registration No. 55912), of February 27, 2020 No. 5404-U (it is registered by the Ministry of Justice of the Russian Federation on March 31, 2020, registration No. 57915), of April 22, 2020 No. 5450-U (it is registered by the Ministry of Justice of the Russian Federation on June 2, 2020, registration No. 58550) (further - the Instruction of the Bank of Russia No. 183-I), the Instruction of the Bank of Russia of June 6, 2019 No. 198-I "About obligatory standard rates of the non-bank credit institutions having the right to implementation of money transfers without opening of bank accounts and the related other banking activities, and implementation by the Bank of Russia of supervision of their observance", registered by the Ministry of Justice of the Russian Federation on September 25, 2019, registration No. 56067, with the changes made by the Instruction of the Bank of Russia of February 27, 2020 No. 5404-U (it is registered by the Ministry of Justice of the Russian Federation on March 31, 2020, registration No. 57915) (further - the Instruction of the Bank of Russia No. 198-I), the Instruction of the Bank of Russia of November 8, 2021 No. 207-I "About admissible combinations of banking activities of settlement non-bank credit institutions, about obligatory standard rates of settlement non-bank credit institutions and about implementation by the Bank of Russia of supervision of their observance", registered by the Ministry of Justice of the Russian Federation on June 10, 2022, registration No. 68834 (further - the Instruction of the Bank of Russia No. 207-I);

data on forecast values of the amounts which will be subject to payment by credit institution in fund of compulsory deposit insurance proceeding from compliance of credit institution to criteria of payment of fees on base rate of insurance premiums, additional rate of insurance premiums or the raised additional rate of insurance premiums (for credit institutions - participants of system of compulsory deposit insurance in banks of the Russian Federation or for the credit institutions petitioning for receipt of the license providing the right to attraction in deposits of money of physical persons and on opening and maintaining bank accounts of physical persons), for each planned year of activities of credit institution;

the indicators provided by the balance sheet of credit institution constituted according to form of the reporting 0409806 "The balance sheet (the published form)" established by the Instruction of the Bank of Russia of April 10, 2023 No. 6406-U "About forms, terms, procedure for creation and submission of the reporting of credit institutions (banking groups) to the Central bank of the Russian Federation, and also of the list of information on activities of credit institutions (banking groups)" (it is registered by the Ministry of Justice of the Russian Federation on August 16, 2023, registration No. 74823) (further - the Instruction of the Bank of Russia No. 6406-U);

the indicators characterizing expected structure of assets and liabilities of credit institution, constituted according to form of the reporting 0409125 of "Data on assets and liabilities on terms of claiming and repayment" established by the Instruction of the Bank of Russia No. 6406-U;

the forecast values of financial results of activities of credit institution calculated according to form of the reporting 0409807 "The report on financial results (the published form)" established by the Instruction of the Bank of Russia No. 6406-U.

Calculation of the planned indicators of activities of credit institution shall contain specifying on accepted when calculating assumption (variation), including concerning key interest rate, the rate of inflation, rates of the taxes which are subject to payment by credit institution, standard rates of the required reserves deposited in the Bank of Russia based on the Provision of the Bank of Russia No. 753-P, possible use of coefficient of the averaging of required reserves provided by the Provision of the Bank of Russia No. 753-P, average interest rates on deposits, average yield on the banking activities planned for implementation of average interest rate on the raised and placed funds.

1.7.1.6. Information about material and staffing of activities of credit institution shall contain data about:

the building (room) in which will be located the credit institution (is located), with indication of the right based on which it will be performed use of such building (room) (is performed);

technical capabilities for implementation of the planned transactions and activities, including office equipment, vehicles, ensuring information security;

personnel of credit institution, including data on its number, qualification, dynamics of change, system of personnel recruitment and motivation of work in credit institution, system of advanced training of personnel;

accomplishment (measures for ensuring accomplishment) by credit institution of conditions of compliance of wages system of credit institution which evaluation procedure is established by the Instruction of the Bank of Russia of June 17, 2014 No. 154-I "About evaluation procedure of wages system in credit institution and procedure for the direction in credit institution of the instruction about elimination of violation in its wages system", the transactions made by it registered by the Ministry of Justice of the Russian Federation on July 30, 2014 No. 33348, on December 28, 2018 No. 53223, to nature and scale, to results of its activities, level and combination of the accepted risks;

the internal documents of credit institution concerning corporate management and perspectives of its development in credit institution.

1.7.2. The business plan also shall contain:

data on the planned actions directed to observance by credit institution of requirements to the size of own means (capital) established by the Provision of the Bank of Russia of July 4, 2018 No. 646-P "About technique of determination of own means (capital) of credit institutions ("Basel III")", the registered Ministry of Justice of the Russian Federation on September 10, 2018 No. 52122, on December 19, 2018 No. 53064 (for the beginning of each planned year and for the beginning of the year following after the third planned year of activities of credit institution);

data on the organization of internal procedures of assessment of capital adequacy according to the requirements established by the Instruction of the Bank of Russia No. 3624-U i the Provision of the Bank of Russia No. 575-P (for non-bank credit institution - the central partner).

1.7.3. The documents confirming justification of the data containing in it can be attached to the business plan.

In case of use in the business plan of references to the reference and other materials, statistical data used for its creation the corresponding materials are applied to the business plan or the source of their obtaining is specified.

Chapter 2. Assessment of the business plan of credit institution

2.1. By consideration of the business plan of credit institution the Bank of Russia (Department of the admission and termination of activities of the financial organizations of the Bank of Russia) if necessary requests from credit institution (in the cases specified in subitems 1.1.1 and 1.1.7 of Item 1.1 of this Instruction at founders of credit institution or at microfinance company respectively) the explanations and additional data to the provided materials allowing to estimate the business plan regarding its compliance to the requirements established by this Instruction.

The credit institution (in the cases specified in subitems 1.1.1 and 1.1.7 of Item 1.1 of this Instruction, founders of credit institution or microfinance company respectively) shall provide explanations and additional data to the business plan of credit institution in time, established in request.

2.2. Information containing in the business plan and appendices to it shall allow the Bank of Russia to estimate the business plan by the following criteria (taking into account legal capacity of credit institution regarding banking operations):

the planned ensuring financial reliability and stability of credit institution;

the planned observance of the requirement of the Federal Law "About Banks and Banking Activity" for ensuring interests of creditors and investors;

the planned achievement of necessary values of obligatory standard rates according to the requirements established by regulations of the Bank of Russia, including the Instruction of the Bank of Russia No. 199-I, the Instruction of the Bank of Russia No. 183-I, the Instruction of the Bank of Russia No. 198-I, the Instruction of the Bank of Russia No. 207-I;

the planned accomplishment of mandatory reserve requirements according to the Provision of the Bank of Russia No. 753-P and forming of reserves on possible losses according to the Provision of the Bank of Russia No. 590-P, the Provision of the Bank of Russia No. 611-P, the Instruction of the Bank of Russia No. 1584-U, the Instruction of the Bank of Russia No. 2132-U;

expected implementation of continuous and profitable activities, including reasons for the planned activities of credit institution and the expected results;

expected compliance of risk management systems and the capital, internal control, internal audit and POD/FT in credit institution, including in case of combination of activities of credit institution with other types of activity in the financial market, to requirements of the legislation of the Russian Federation in the field of POD/FT and to the planned activities;

reality (viability, market attractiveness) of activities of credit institution (taking into account influence which the legal entities entering with credit institution into banking group (bank holding) can render;

efficiency and potential risks of activities, including potential influence on creditors, partners and banking system stability;

influence of results of realization of the purposes and tasks of credit institution provided by the business plan on the credit rating of credit institution;

influence of potential obstacles to timely and successful accomplishment of the purposes and tasks of credit institution provided by the business plan;

compliance of information containing in the business plan of credit institution, to other data represented by credit institution to the Bank of Russia.

Chapter 3. Final provisions

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

3.2. Assessment of business plans according to this Instruction is carried out concerning the business plans approved after entry into force of this Instruction.

 

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