It is registered
Ministry of Justice
Republic of Uzbekistan
On June 29, 2018 No. 3028
of April 28, 2018 No. 16/21
About approval of the Instruction on the organization of cash work, collection of cash liquidity and other values in commercial banks
According to the Law of the Republic of Uzbekistan "About the Central bank of the Republic of Uzbekistan" the Board of the Central bank of the Republic of Uzbekistan DECIDES:
1. Approve the Instruction on the organization of cash work, collection of cash liquidity and other values in commercial banks, according to appendix.
2. This resolution becomes effective from the date of its official publication.
Chairman of the Central bank
M. Nurmuratov
Appendix
to the Resolution of Board of the Central bank of the Republic of Uzbekistan of April 28, 2018 No. 16/21
This Instruction determines procedure for the organization of cash work, collection of cash liquidity and other values in commercial banks.
1. In this Instruction the following concepts are used:
turnover cash desk - receipt and account cash desks or the credit and debit cash desk organized in cash node of bank for acceptance, calculation and sorting, packaging and storage separately from other values and also issues during the banking working day based on cash documents of cash and other values;
the cash desks organized outside the building of bank (branch) - cash desk of mini-bank, cash desk of office of banking services, special cash desks and cash desks of all other types;
the ATM - the electronic and mechanical device giving opportunity to the holder of bank plastic card in the mode of self-service of receipt of slips on transactions in cash and to other transactions and also implementation by means of bank plastic card of the main and additional transactions, including transfer into the account and removal from the account of means, receipts of information on condition of balance of bank plastic card and remaining balance on the bank settlement account and changes of passwords;
currency values - cash foreign currency, securities in foreign currency, payment documents in foreign currency and net gold bars;
collection Item - the special place (room) where the business entities performing activities in the territory of the markets and malls, to the employee of service of collection the daily cash cash revenue enclosed in collector bags (sacks) is given;
service of collection - service on collection, transportation and maintenance of cash liquidity and other values belonging to business entities, and also banks, branches and separate divisions of banks;
cash desk of recalculation - the cash desk intended for recalculation of the cash liquidity and other values from collector bags (sacks) collected by groups of the collectors during the banking working day and accepted by the staff of evening cash desk and also which is handed over for recalculation by the treasurer;
cash transactions - based on cash documents acceptance or issue, recalculation, sorting, packaging, exchange, and also acceptance from collectors or transfer by it for transportation of cash liquidity and other values;
cash node - the territory in which receipt, account cash desks, cash desk of recalculation and evening cash desk, and also the cash depositories organized for accomplishment of cash transactions with cash liquidity and other values and ensuring their safety are located;
cash documents - the documents processed in accordance with the established procedure forming the basis for implementation of acceptance or issue, and also for acceptance from collectors or delivery to them for transportation of cash liquidity and other values;
evening cash desk - the cash desk organized for acceptance after completion of the banking working day from groups of collectors of collector bags (sacks) with cash liquidity and other values or empty collector bags (sacks), and also acceptance of remaining balance of cash liquidity and other values from cash desks of the prolonged working day after completion of their work, and also issue of cash reinforcement to the cash desks working in days off and holidays;
values - all values which are handed over in cash node of bank for storage or as ensuring pledge, and having own value (the products made of precious metals and stones, the checked securities, property and documents confirming property rights, forms of the strict reporting);
receipt cash desk - the cash desk accepting during the banking working day based on receipt cash documents cash liquidity and other values from the business entities having the settlement account in bank;
cash liquidity - the money in the form of banknotes and coins of different nominal put into circulation by the Central bank of the Republic of Uzbekistan (further - the Central bank);
cash depository - the storage constructed based on the relevant technical requirements and intended for storage of cash liquidity and other values in the territory of arrangement of cash node in the bank building;
exit cash desk - the cash desk accepting cash payments money or by means of bank cards based on the payment documents submitted by physical persons with departure into place by specially equipped car of bank;
slip - the receipt of the terminal or ATM confirming carrying out with use of bank card of receipt or account transaction on the terminal or the ATM and reflecting the amount, type, activity date, and also identification data of bank card, the terminal or ATM;
cash desk of retail transactions - the cash desk organized for acceptance or issue during the banking working day based on cash documents from physical persons of cash liquidity and other values, and also acceptance of payments by means of their bank cards and currency exchange and rendering other types of retail cash services;
account cash desk - the cash desk issuing during the banking working day based on issue cash documents cash liquidity and other values to the business entities having the settlement account in bank;
the room of the collection - the room intended for acceptance directly from the client of the bags (sacks) which are sealed up in accordance with the established procedure with the enclosed cash cash revenue.
1-1. For the purposes of this Instruction the commercial bank, bank and bank branch are understood as the branches, operation managements, offices (centers) of banking services and other separate divisions of commercial banks having unique code in National information base of bank depositors according to the procedure, established by the legislation.
2. Works in bank on accomplishment of cash transactions with cash liquidity and other values, safety of cash liquidity and other values in cash desk of bank and to their transportation, construction, the equipment and protection of cash node of bank, the building of bank and cash desks outside the building of bank will be organized according to the procedure, established by this Instruction and acts of the legislation.
3. The head bank shall check at least once a year the organization of cash work and observance of requirements of this Instruction in case of accomplishment of cash transactions in bank branches subordinated to it.
Staff of head bank shall give practical help on elimination according to requirements this Instruction of the mistakes and shortcomings revealed in bank branch as a result of check.
4. The bank shall have separately allocated cash node and the staff of cash desk for rendering cash services to the clients.
5. With all employees responsible for safety of cash liquidity and other values and carrying out cash transactions (including with the budget accountant of evening cash desk), the agreement on financial responsibility is signed.
6. If in case of recalculation by cashiers of bank or clients (under observation of staff of cash desk) packs (roots) of the cash liquidity packed by cashiers of bank and other values shortage (insolvent, counterfeit money and values) is revealed, of the revealed shortage the cashier who created this pack (root), according to the procedure, established by the legislation is considered materially responsible for the amount.
7. The cash node, organized cash desks of bank shall be under construction with full compliance with the Technical requirements imposed to the device of cash nodes in buildings of banks and their branches (рег. No. 2816 of July 26, 2016) and to be equipped according to the procedure, established by acts of the legislation.
8. The positive conclusion issued by specialists of Head bank about construction of cash desks of all types organized in the building of bank (branch) and beyond its limits, equipment by the necessary equipment, preparation of cash node and equipment by program technical means is considered the basis for rendering cash services by bank to clients.
9. The head of bank, the chief accountant and the treasurer are responsible for the correct organization of work of cash desk, ensuring safety of cash liquidity and other values, rendering cash services to clients based on requirements of this Instruction.
Rendering cash services by bank to clients is performed based on the agreement signed between bank and the client, according to the procedure, established by this Instruction.
10. Ceased to be valid
11. For accomplishment of cash transactions and rendering cash services to clients in bank the turnover cash desk and cash desk of retail transactions will be organized.
12. The turnover cash desk will be organized in the building of bank and renders cash services to the business entities who are clients of bank, and accounting of all banknotes and coins belonging to it is conducted on the settlement account 10101 - "Cash in turnover cash desk".
13. When rendering cash services to business entities through turnover cash desk acceptance by the cashier for execution of the cash documents which did not pass through the staff of department of accounts department is forbidden.
14. Proceeding from types of the retail cash services rendered by bank to physical persons and amount of cash transactions, with the permission of Head bank for acceptance, return of deposits to the population, payments of the percent added on them, acceptance of utility, tax and other one-time payments, and also services in currency exchange (separately in national and foreign currency or in the integrated type) can be organized cash desks of retail transactions.
Cash desks of retail transactions can be organized in the building of bank and outside the bank building.
For the purpose of rendering cash services to clients outside the building of bank (branch) the cash desk of mini-bank, cash desk of office of banking services and special cash desks can be also organized.
15. In case in cash desks of the retail transactions organized in the building of bank and outside the bank building along with cash transactions also currency exchange transactions are performed, accounting of cash and values in them is conducted according to accounting policy of bank.
16. Rendering cash services to clients is performed based on the cash documents accepted by bank employees. The cash documents forming the basis for all cash transactions which are carried out by the client through cash desk of bank are filled in with the client. The documents processed on the computer, which are printed out and signed by the client can be also accepted by cashiers of bank, except for forms of the strict reporting.
17. In accordance with the established procedure of all cash documents which are the basis for accomplishment of cash transactions (complete and correct reflection of the corresponding settlement accounts compliance of the signature of the client in the document to the specimen signature provided to bank, the correct reflection in cash documents of data of the identity document of the client), and conducting their accounting (conducting account cash transactions of the client within means on its settlement account) the relevant staff of accounts department of bank is considered responsible for execution.
18. Financial accounting of the cash transactions executed in the cash desks organized in the building or outside the bank building is performed according to Rules of conducting financial accounting of cash transactions in banks of the Republic of Uzbekistan (рег. No. 1602 of July 24, 2006).
The responsible of department of accounts department of bank daily in case of registration of each cash document and consecutive assignment to it sequence number, and also by transfer of cash documents to cashiers uses the magazine of receipt cash desk and magazine of account cash desk according to appendix 1 * to this Instruction.
19. Execution of cash documents on actually outstanding cash transactions, in particular simultaneous execution of receipt and issue cash documents without delivery by the client of cash in receipt cash desk of bank and without receipt of cash from account cash desk, is forbidden.
20. Bank board and heads of bank branch along with the effective and high-quality organization of work of bank employees, ensuring immunity of cash liquidity and other values, shall provide with safes (metal cases) and iron carts, necessary for their storage, for their transportation, furniture and the equipment, seal, stamp, technical means (the equipment necessary for calculation, sorting, packaging of money and other necessary accessories).
21. Storage of personal cash liquidity and other values together with cash liquidity and other values in cash desk of bank is forbidden to the staff of cash desk.
22. Each employee working in cash node of bank including the treasurer, is responsible for accomplishment according to requirements of this Instruction of the tasks and orders determined in its job responsibilities. Transfer to other persons without the bases of cash liquidity and values entrusted the employee of cash desk or accomplishment of the cash transactions assigned to it according to job responsibilities by other employees is forbidden.
23. Accomplishment of independently cash transactions with cash liquidity and other values by the employees who do not have sufficient work experience, knowledge and skills is forbidden.
24. The possibility of observation and studying of the territory of arrangement of cash node of bank by strangers shall be excluded, and doors of all premises of cash desk (cabins of cash desk) located in cash node shall be provided from the inside with the locking devices and during the banking working day these doors shall be locked.
25. Cashiers of receipt and account cash desk shall be provided with specimen signatures of accounting and other ranking officers, to sign representatives cash documents, and the accounting workers working with cash documents - specimen signatures of cashiers.
Timely providing these employees with the list of specimen signatures and if necessary updating of the specified list and return old (storage of the returned specimen signatures filed in the separate folder within one year in cash depository, and after the termination of year - delivery in archive of bank), and also establishment of control of execution of the above is performed by the chief accountant of bank.
The list of specimen signatures affirms the head of bank and is updated annually as of January 1.
26. The correct accomplishment of cash transactions with cash liquidity and other values in bank branches, ensuring integrity of cash liquidity and values, the organization of cash work based on requirements of this Instruction shall be under constant control of Head bank.
The basis for conducting check in bank is the office order signed by the head of Head bank or its deputy. For carrying out audit of cash liquidity and other values in cash depository and cash node the one-time certificate with indication of term is issued.
27. The cash liquidity and other values arriving in cash desk of bank shall be accepted by the cashiers sorted and by the piece counted.
Acceptance in cash desk of bank of cash is performed based on the following documents:
a) according to the announcement on fee of cash liquidity according to appendix 2 * to this Instruction - from the business entities who are clients of bank;
b) according to the cash receipt order according to appendix 3 * to this Instruction - from employees of bank in case of compensation by employees of bank of the damage caused to bank, return of unused part of the advance received for official journey and other similar cases (it is used when implementing the receipt transactions connected with activities of bank, cash, in particular in case of transfer of cash liquidity from one bank account for other bank account and also in case of receipt and in cash desk of bank of the arrived cash reinforcement);
c) according to the special forms developed by the companies rendering to the population utilities - in case of acceptance of utility payments from physical persons;
d) according to forms of one-time payments from the population according to appendix 4 * to this Instruction - in case of acceptance from physical persons of one-time payments (except for tax payments);
e) according to the cash receipt order in form according to appendix No. 3 * to this Instruction - in case of acceptance from the population of deposits into bank deposit accounts cash;
e) according to special forms for payment of tax payments by physical person according to appendix 5 * to this Instruction - in case of acceptance from physical persons of tax payments.
28. The announcement on fee of cash liquidity consists of three parts - "announcement", "receipt" and "order". Part "announcement" of this receipt document the "receipt" signed by the cashier of receipt cash desk and certified by seal of cash desk is filed in cash documents of day, part issued to the client who brought cash liquidity, and part "order" is transferred to the employee of accounts department.
The cash receipt order is filled in in triplicate. Its first copy is filed in cash documents of day, the second copy is transferred to employees of accounts department and the third copy with the signature of the cashier of receipt cash desk and certified by seal is transferred to the employee of bank who brought cash liquidity.
In case of transfer of cash liquidity from one bank account for other bank account the cash receipt order is drawn up in duplicate and its first copy is filed in cash documents of day, and the second copy is transferred to employees of accounts department.
In case of acceptance from citizens of tax payments the special form used for tax payments of physical person consists of three parts - "notification", "receipt" and "receipt order". Part of the special form "receipt order" is filed in cash documents of day, part "receipt" is issued to the physical person who paid tax, and part "notification" it is represented (employees of division of accounts department of bank) in the relevant district (city) state tax authorities based on request.
29. Before entering of cash liquidity into cash desk of bank the business entity shall address employees of department of accounts department. Employees of accounts department check correctness of execution of receipt cash documents based on requirements of the Instruction about procedure for conducting financial accounting and the organization of accounting work in banks of the Republic of Uzbekistan (рег. No. 1834 of July 11, 2008), register them in the cash journal on receipt and hand over to the cashier of receipt cash desk.
30. The cashier of receipt cash desk in case of acceptance of receipt documents checks:
whether the document is signed by employees of accounts department of bank;
whether there correspond signatures to specimen signatures which are stored at the cashier;
whether the document is signed by the client;
correctness of writing of the amounts specified in the document and their mutual compliance also confirms with figures and copy-book acceptance of receipt cash documents, having undersigned for the cash journal on receipt.
31. The cashier of receipt cash desk calls the client according to the receipt document, sorts and by the piece recalculates the cash liquidity which is handed over to them and accepts it.
If the client at the same time hands over cash liquidity according to several receipt documents for transfer into several accounts, then the cashier accepts cash liquidity according to each document separately.
During acceptance by the cashier of receipt cash desk of cash liquidity from the client on its table except the accepted money there shall be no other cash liquidity and other values, all money which is earlier accepted by the cashier shall be stored in table boxes, metal cases or safes.
The workplace of the cashier of receipt cash desk shall be equipped so that the client who is handing over cash liquidity had opportunity directly to watch the procedure of sorting, recalculation of its money by the cashier.
32. After acceptance of cash liquidity of the client the cashier verifies the amount specified in the receipt document with actual amount of cash liquidity in case of acceptance with sorting and recalculation. In the absence of discrepancies the cashier of receipt cash desk:
"announcement", "receipt" and "warrant" of the announcement for fee of cash liquidity signs parts, seals on part of the receipt and issues it to the client;
signs also three copies of cash receipt orders, seals on the third copy and issues it to the client.
33. If the amount of the cash liquidity which is handed over by the client in comparison with the amount in the receipt document:
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