INSTRUCTION OF THE CENTRAL BANK OF RUSSIA

of December 23, 2008 No. 2156-U

About features of assessment of credit risk according to the issued loans, the loan and equated to it debt

1. The Bank of Russia 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 December 19, 2008 N 38) establish the following features of assessment of credit risk according to the issued loans, the loan and equated to it debt (further - loans) in case of assessment by credit institution of service quality of debt.

1.1. Credit institution instead of implementation of assessment of debt servicing according to the loan according to Item 3.7 of the Provision of the Bank of Russia of March 26, 2004 N 254-P "About procedure for forming by credit institutions of reserves on possible losses according to loans, on the loan and equated to it debt", registered by the Ministry of Justice of the Russian Federation on April 26, 2004 N 5774, on April 20, 2006 N 7728, on December 27, 2006 N 8676, on December 10, 2007 N 10660, on January 23, 2008 N 10968, on May 22, 2008 N 11730, on May 22, 2008 N 11724, on June 30, 2008 N 11903 ("the Bulletin of the Bank of Russia" of May 7, 2004 N 28, of May 4, 2006 N 26, of January 15, 2007 N 1, of December 17, 2007 N 69, of January 31, 2008 N 4, of May 28, 2008 N 25, of June 4, 2008 N 28, of the July 9, 2008 N 36) (further - the Provision of the Bank of Russia N 254-P) having the right to estimate service quality of debt according to the loan as follows.

Service quality of debt according to the loan can be acknowledged good if there is case (there are cases) overdue payments on principal debt and (or) percent during the last 180 calendar days duration (lasting):

according to the loans allowed legal entities - up to 30 calendar days inclusive,

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