It is registered
in the Ministry of Justice
Russian Federation
On December 28, 2012 No. 26408
of December 24, 2012 No. 2948-U
About modification of Item 3 of the Instruction of the Bank of Russia of December 3, 2012 N 2920-U "About modification 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
1. 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 21, 2012 N 26) Item 3 of the Instruction of the Bank of Russia of December 3, 2012 N 2920-U "About modification 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 December 13, 2012 N 26113 ("Bulletin of the Bank of Russia" from December 19, 2012 N 73), to add with subitem 3.1 of the following content:
"3.1. On portfolios of the homogeneous loans issued till January 1, 2013, reserves are created in the following minimum sizes:
|
|
Portfolios of the homogeneous loans allowed physical persons |
Minimum size of reserve, as a percentage | |||
|
option 1 |
option 2 | ||||
|
on portfolios of secured loans (mortgage, car loan) |
on portfolios of other loans |
on portfolios of secured loans (mortgage, car loan) |
on portfolios of other loans | ||
|
1. |
Portfolio of loans without overdue payments |
0,5 |
1 |
0,75 |
1,5 |
|
2. |
Portfolio of loans with overdue payments lasting from 1 up to 30 calendar days |
1,5 |
3 | ||
|
3. |
Portfolio of loans with overdue payments lasting from 31 up to 90 calendar days |
10 |
20 |
10 |
20 |
|
4. |
Portfolio of loans with overdue payments lasting from 91 up to 180 calendar days |
35 |
50 |
35 |
50 |
|
5. |
Portfolio of loans with overdue payments and lasting over 180 calendar days |
75 | |||
2. This Instruction becomes effective from the date of its official publication in "the Bulletin of the Bank of Russia" and is applied in case of creation of the reporting for January 1, 2013 and for February 1, 2013.
Chairman of the Central bank of the Russian Federation
S. M. Ignatyev
Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info
Database include more 50000 documents. You can find needed documents using search system. For effective work you can mix any on documents parameters: country, documents type, date range, teams or tags.
More about search system
If you cannot find the required document, or you do not know where to begin, go to Help section.
In this section, we’ve tried to describe in detail the features and capabilities of the system, as well as the most effective techniques for working with the database.
You also may open the section Frequently asked questions. This section provides answers to questions set by users.
The document ceased to be valid since July 14, 2017 according to Item 10.2 of the Provision of the Central bank of the Russian Federation of June 28, 2017 No. 590-P