Financial and capital market Commission, the provisions of regulations No 154 in Riga 2016 23 September (financial and capital market Commission Council meeting Protocol No 33 2. p.)
Criminal money laundering and terrorism financing risk management regulations Issued in accordance with the provisions of the credit institutions act, the fourth part of article 21.3 and criminal money-laundering and terrorist financing Prevention Act article 37.1 and 47. the second paragraph of article 1, paragraph 2 and 7 i. General questions 1. "the Crime of money laundering and terrorism financing risk management regulations" (hereinafter-the rules) defines the crime of money laundering and financing of terrorism (hereinafter NILLTF) risk management minimum requirements and are binding on the Republic of Latvia registered credit institutions (hereinafter referred to as the credit institution). Credit institutions to comply with the requirements of this regulation and the consolidation of individual groups or sub-groups of consolidation level, ensuring the consolidation group or subgroup, as well as all the provisions of the subsidiary requirements NILLTF risk management. 2. The terms used in the following terms: 2.1. NILLTF impact and risk – the risk that the credit institution can be used for criminal money laundering or terrorist financing; 2.2. private services-financial services provided by the credit institution to the client using the following conditions: 2.2.1. client planned or actual annual total turnover of more than eur 1 000 000 credits. If the credit institution has opened more than one account, then the calculation of the total amount of credit sales, the entire account of credit funds; 2.2.2. a credit institution shall ensure the customer specific services, such as advice to financial planning, investment, tax and probate matters or specific service or service order, for example, the customer individually appointed an operating employee, who is entitled to decide on raising the limit defined for the customer and which is the sole customer communication channel with the credit institution, or the specific channels, increased customer data privacy terms; 2.3. risk exposure NILLTF-NILLTF, is subject to the risk that the credit institution given its customers, products and services, delivery channels and operations of a credit institution to the NILLTF risk of geography, impact; 2.4. NILLTF risk management strategy – the document in which the credit institution shall determine the risk exposure of NILLTF, which it deemed likely to assume, in view of its business strategy and ability to manage risk, as well as the NILLTF requirements, as determined by the credit institution provides its NILLTF risk exposure indicator maximum threshold being exceeded and not NILLTF risk management; 2.5. financial assets – client money, deposited in a credit account for a specified or unspecified period, with or without interest, as well as the customer's financial instruments portfolio held with a credit institution, including the portfolio of financial instruments, entering in the management of the credit institution, the value. 3. a credit institution shall take NILLTF risk assessment in relation to customers, products and services and their delivery channels, of the business of credit institutions to the inherent risks of geography, as well as the related processes and other factors that may influence the risk of NILLTF. 4. before the introduction of a new financial services or financial service to a new customer, a credit institution shall assess the target audience for these services, clients and countries with which they are associated, the quintessential NILLTF risk and its impact on the risks associated with the credit institution to cover the necessary capital. A credit institution shall assess the need to develop new financial services NILLTF the risk management policies and procedures, or to make amendments to existing policies and procedures. This requirement applies not only to new financial services, but also to the existing financial services whose conditions are significantly changed. II. NILLTF risk management NILLTF risk management and internal control system of the credit institution 5 NILLTF risk management internal control system shall at least contain: 5.1. a credit institution's risk management strategy of NILLTF, including NILLTF risk management strategy; 5.2. NILLTF risk management strategy policies and procedures, including credit risk management NILLTF the structure and activities of the Organization, management and employee responsibilities and mandates the distribution of NILLTF in the field of risk management, risk identification and management NILLTF, including measurement, evaluation, monitoring, reporting and submission of credit control, customer information and transaction tracking and documenting requirements NILLTF risk management personnel remuneration system of the credit institution's operational results as well as NILLTF risk management required for the implementation of the human resources and professional qualification requirements; 5.3. the policies and procedures for the regular review of the requirements for the changes in the legislation or the functioning of the credit institution's processes, provide services, management structure, customer base or activity areas; 5.4. the risk of the credit institution to cover the necessary capital maintenance requirements; 5.5. risk management in NILLTF the necessary information technology (hereinafter IT) security requirements; 5.6. regular (not exceeding 18 calendar months) NILLTF risk management internal control system, independent assessment of performance requirements to a NILLTF risk management internal control system checks the extent of the agenda, tasks, and deadlines, as well as the requirements for the independent examiner's choice; 5.7. regular NILLTF risk management internal control system review, evaluation and improvement of efficiency requirements, taking into account the changes in the activities of the credit institution and the external conditions that affect credit risks and activities; 5.8. NILLTF risk exposure indicator and the maximum permissible limit values development requirements; 5.9. the regular NILLTF risk exposure indicator compilation, assessment and evaluation of the dynamic development of indicators, as well as the relevant decisions in accordance with the risk management of the credit institution's NILLTF strategy and its implementation of policies and procedures; 5.10. NILLTF risk stress testing requirements; 5.11. the method's ability to manage credit risk according to established NILLTF NILLTF risk management strategy. 6. a credit institution shall establish suitable to your business activities of NILLTF risk management internal control system, in view of its customers, services and products, delivery channels and operations of credit institutions the geography inherent risk, as well as NILLTF NILLTF risk management departments involved and other factors that affect the credit risk of NILLTF.
7. a credit institution shall ensure NILLTF risk management, taking into account its interaction with the other activities of the credit institution, the inherent risks. NILLTF risk management is conducted continuously throughout the NILLTF in credit risk. 8. a credit institution shall ensure that all NILLTF risk management measures in full for all customers, including customers who are linked with the credit institution. III. NILLTF risk management strategy 9. Credit risk management strategy in NILLTF down the NILLTF risk exposure indicator maximum permissible thresholds below which credit institutions can take and the ability to manage, by defining the qualitative and quantitative indicators of risk exposure NILLTF and NILLTF risk mitigation measures according to point 10 of these regulations. 10. a credit institution shall develop NILLTF risk management strategy based on the inherent NILLTF of the credit institution's activity. The credit institution shall determine, at least in the strategy: 10.1. credit risk exposure of the NILLTF, including at least the following indicators: 10.1.1. credit institutions customers risk exposure inherent in the NILLTF indicators and their maximum permissible limit values up to which the credit institution's risk management internal NILLTF control system able to ensure NILLTF risk management according to the requirements of the law, including: 10.1.1.1. all of the customer that the subject of an in-depth research of the financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' 40. , 41, 42, 43, as well as the client, which was the subject of an in-depth exploration of the reporting period, based on the risks that have been NILLTF openly during the deal and were in force during the reference period (total customers subject to in-depth examination) of financial assets and credit turnover rate credit customer total financial assets and credit turnover amount 10.1.1.2. income that earned from customers who are the subject of an in-depth study, the proportion of total income, the credit institution 10.1.1.3. customers who meet the financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements of paragraph 15.4, financial assets, and credit turnover rate credit total customer financial assets and credit turnover amount 10.1.1.4. income, which gained from the services provided to customers who meet the financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements of paragraph 15.4, the proportion of total income in the amount of a credit institution, a credit institution after 20 total 10.1.1.5. credit turnover the largest customer group related subject for in-depth research, financial assets, and credit turnover rate credit customer that is the subject of an in-depth study, the total financial turnover of assets and credit, 10.1.1.6. income that earned from services provided by the credit institution's total turnover of 20 credits the largest associated client groups subject to in-depth research, the proportion of total income, the credit institution to the extent that customer 10.1.1.7. true beneficiary's residence (domicile) is one of the country's financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions" referred to in paragraph 31, the risk increasing factors financial assets, and credit turnover rate credit customer the total financial turnover of assets and credit; 10.1.2. the credit institution's services and products in the inherent risk of exposure to NILLTF, including: 10.1.2.1. private banker in the framework of the provision of services of credit transactions turnover and the proportion of the total earned income credit in the customer business credit from turnover and income in the amount of the credit institution, 10.1.2.2. loans to customers that is provided with the financial instrument or other security of public credit institutions guarantees issued, except when the repo are made, about the proportion of the total amount of loans to customers in the 10.1.2.3., trust and fiduciary business credit and debit the amount of the turnover and the proportion of the total earned income credit transactions in credit and debit turnover and income; 10.1.3. a credit institution's service and product delivery channel in the NILLTF inherent risk exposure indicators, including: 10.1.3.1. customer identification carried out remotely (client not physically participated in the identification), financial assets, and credit the amount of the share of turnover total customer financial assets and a credit in the amount of turnover, customer whose 10.1.3.2. identification was made through third parties (agents, brokers) financial assets and credit turnover about the proportion of the total customer financial assets and credit turnover amount 10.1.3.3. transactions, made through the service delivery channels with increased risk of NILLTF (e-commerce and its variations), credit turnover amount of credit institution customers share in the total business turnover of the credit; 10.1.4. credit institutions korespondējošaj relations NILLTF risk exposure inherent in the scores, including: 10.1.4.1. Lori correspondent credit institution (respondents) of incoming and outgoing payments turnover by Laura correspondent (the respondents), which corresponds to one of the groups of countries, which are risk factors for NILLTF step-up financial and capital market Commission 23.12.2015. the normative regulation No 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements 10.1.4.2. each of the offset, the credit institution in which the credit institution opened nostro accounts (offset), the number of applications submitted and request these transactions within the level of resources; 10.2. for each of the provisions laid down in point 10.1. credit risk exposure indicators NILLTF credit NILLTF risk management strategy will determine the maximum permissible limit values corresponding to the period are attributable to the NILLTF risk management strategy; 10.3. the principles that guided by the credit institution, ensuring that the Republic of Latvia and international institutions of the sanctions imposed requirements; 10.4. NILLTF risk of restrictive conditions; 10.5. NILLTF provided for risk mitigation techniques; 10.6. NILLTF risk management internal control systems Department employee whose role is included in the NILLTF risk control, resource adequacy criteria and competency requirements; 10.7. the personnel authority system principles to decisions that affect the credit risk exposure of the NILLTF; 10.8. the principles NILLTF risk management functions require the IT security requirements for marking, as well as the IT system that supports the NILLTF risk control function, independent of control procedures; 10.9. the public and from the databases of the information available on the use of airspace in the customer's operating management objectives; 10.10. NILLTF evaluation of the effectiveness of the risk management requirements, including: 10.10.1. NILLTF risk management the internal control system of independent evaluation; 10.10.2. information about risk management strategy NILLTF the requirements for the management of the credit institution of the provision; 10.10.3. reporting credit management on deviations from the approved NILLTF risk management strategies and implementing policies and procedures; 10.11. the profit of the credit institution which wishes to acquire, taking NILLTF risk management strategy set out in the NILLTF risk exposure. 11. NILLTF risk exposure indicator maximum permissible limit values based on the credit institution's ability to manage the risk of NILLTF, which is linked to the existing and expected credit institution, the nature of economic activities, as well as NILLTF risk management of available resources. 12. a credit institution determining the turnover of a credit to the customer's account, including all incoming payments. If, in accordance with the policies and procedures of the credit requirements of all customer transactions (including credit institutions) are performed using only the client's current account in a credit institution, the credit institution determining the credit activity of the client's account does not include payments made between different accounts of this client in the credit institution. 13. a credit institution shall submit financial and capital market Commission NILLTF risk management strategy within one month after the credit institution's Board approved it. 14. Credit institutions shall comply with the NILLTF risk management strategy in certain levels of risk exposure NILLTF figures and not adjust them to your business objectives or to satisfy the interests of a client's needs. If a credit institution's policies and procedures in cases of emergency provides for the possibility to derogate from the limit values or requirements, this resignation approved by the Governing Board, substantial deviations (thresholds been exceeded by 10 percent), each time giving the message to the financial and capital market Commission. IV. officers and employees of a credit institution the responsibility 15. credit institutions Council is responsible for risk management, and NILLTF it out at least the following: 15.1 confirms NILLTF risk management strategy and changes to the NILLTF risk management strategy; 15.2. Approves the NILLTF risk management policy for the implementation of the strategy; 15.3. monitor and control as the Board of the credit institution manages the activities of the credit institution, the quintessential NILLTF risk and if this action is in accordance with NILLTF risk management strategy; 15.4. States that the internal audit Department regularly reviews and evaluates the activities of the credit institution in its risk management NILLTF compliance strategy and its implementation of policies and procedures and to report to the Council on the results of the inspections; 15.5. the regular and emergency procedures for the exchange of information between the Council and the Executive Board. The Council States that it at least quarterly to receive a report on the risk management of NILLTF containing information on NILLTF risk management strategy sets objectives; 15.6. determine the remuneration policy of the credit institution, which does not run counter to its NILLTF risk management strategy and do not encourage short-term income generation, carrying out transactions which have or which pose an elevated risk, as well as the NILLTF that the internal control systems Department employee whose role is included in the NILLTF control of risk remuneration does not depend on the economic activities of the credit institution; 15.7. on a regular basis, but not less frequently than once a year, on the basis of the credit institution's financial performance and the action plan and considering the changes in laws and regulations, economic situation, markets and market development forecasts, as well as new financial services, review the NILLTF risk management strategies and implementing policies and procedures and to assess the adequacy of own funds of the credit institution of credit risk, which are made or will undertake, to cover. 16. the Board of the credit institution is responsible for the NILLTF of the credit institution approved by the Council in the risk management strategy and risk management, and NILLTF it out at least the following: 16.1 NILLTF provides risk management strategy policy and procedure development and; 16.2. provide credit risk management strategy NILLTF the objectives defined and NILLTF risk management strategy policies and procedures in all departments of the credit institution in the Republic of Latvia and other countries; 16.3. determine the powers, duties and responsibilities of the risk management division of NILLTF between departments and employees of the credit institution; 16.4. ensure NILLTF risk management internal control systems Department employee whose role is included in the NILLTF risk control, information on the risk management strategy of NILLTF and its implementation of policies and procedures and responsibilities for risk management of the credit institution's NILLTF strategy and its implementation of policies and procedures; 16.5. ensure that risk management NILLTF is bound to the employees whose qualifications comply with its tasks; 10.3. ensure that, when carrying out the risk management NILLTF consistently maintained high ethical standards, including preventing conflicts of interest, which increased or may raise the risk of NILLTF, for example, providing services to persons associated with the credit institution; 16.7. after NILLTF risk stress test analysis confirms the results of the corrective measures to manage the risk NILLTF in cases where they are required, and provides change NILLTF risk management strategy development. Changes to NILLTF risk management strategy submitted for approval to the Board of the credit institution. 17. a credit institution internal regulations shall determine the allocation of responsibility between the Member of the Board of the credit institution who is responsible for the prevention of credit institution and NILLTF for NILLTF prevention requirements for the responsible person to provide for the allocation of responsibility for at least the following: 17.1. Executive Board of the credit institution and the Council regular and emergency information on credit risk management strategy NILLTF requirements, including providing accurate and complete information on risk exposure and NILLTF its dynamics; 17.2. NILLTF risk management compliance, adequacy of the measures and the necessary changes in a timely NILLTF risk management; 17.3. reporting to the Board on all cases where risk management NILLTF found during NILLTF of the deviations from the approved risk management strategies and implementing policies and procedures. V. monitoring of risk exposure NILLTF 18. a credit institution shall determine the NILLTF risk exposure indicator and evaluation procedures, including: 18.1. sources of information; 18.2. information gathering and evaluation arrangements; 18.3. the credit institution's employees who are eligible to prepare, evaluate and check the NILLTF risk exposure for targeted information; 18.4. the arrangements and the extent to which information about risk exposure NILLTF indicators are provided to the Board of the credit institution and the Council, as well as nature reports on risk management strategy NILLTF down limit values or the potential energy; 18.5. the employee who provided financial and capital market Commission these rules 19 and 20 of that information through the financial and capital market Commission data reporting system. 19. The credit institution of each calendar quarter in the first month last date to submit financial and capital market Commission for the previous quarter's credit risk exposure characteristics of NILLTF according to the annex to these rules of electronic XML (Extensible Markup Language) file format in accordance with the financial and capital market Commission prepared an XSD (XML Schema Definition) schema. 20. a credit institution shall immediately submit the financial and capital market Commission information on each case where there were existing or potential significant non-compliance with the credit institution's risk management strategy NILLTF the requirements according to this provision, the procedure set out in paragraph 19 and annex. 21. a credit institution that provision referred to in paragraph 19 of the report about the risk exposure characteristics of NILLTF shall be drawn up in accordance with the financial and capital market Commission-14.10.2008. provisions in laws No 146 ' prepared statements electronically submit the legislative provisions "requirements and procedures. 22. If the financial and capital market Commission finds that report on the characteristics of NILLTF risk exposure is incomplete or inaccurate, the report is communicated to the applicant. If the financial and capital market Commission not stated otherwise, the credit institution shall submit the report to correct financial and capital market Commission not later than the working day following notification of the existence of the error from the financial and capital market Commission. Vi. NILLTF risk stress testing and methods of the credit institution's ability to manage the risk of NILLTF 23. The credit institution on a regular basis, but not less frequently than once a year, take the NILLTF risk stress tests on at least the following risk factors: 23.1. offset by the termination of the credit institution's direct correspondents, which are carried out in cooperation with the major currencies of payment (30 percent of the total payments); 23.2. the geopolitical impact of events; 23.3. the credit institution may apply sanctions or corrective measures within the specified operating limits. 24. a credit institution shall develop stress test scenarios according to the inherent NILLTF of the business of credit institutions. 25. Credit institutions shall collect the stress test results, evaluate it within the identified risks and the impact on liquidity, capital and financial indicators, as well as to submit a report to the Executive Board. 26. Stress test results and the decisions on risk management of NILLTF credit institution shall submit financial and capital market Commission within 30 days of the decision. 27. a credit institution shall develop methods to credit institutions the ability to manage NILLTF risk and take account of the following criteria: 27.1. prior period and planned activities of credit institutions, to cover the risks associated required capital; 27.2. the credit institution's previous period of risk exposure of NILLTF, which it had undertaken to manage, and with its management of the associated costs, as well as possible changes in relation to the activities of the credit institution development forecasts;
27.3. the offset ratio of risk and other types of risk stress test results in accordance with this chapter. VII. Closing questions 28. a credit institution shall ensure that the provisions referred to in paragraph 19 of the report, starting with the 2016 fourth quarter, submitting the first report to a 31.01.2017.29. a credit institution shall ensure NILLTF risk management strategy development and approval to 30.09.2016., the first time you submit a NILLTF risk strategy financial and capital market Commission not later than 04.10.2016.30. a credit institution shall ensure that the methods referred to in paragraph 27 of the credit institution's ability to manage the risks to the development 30.09.2016 NILLTF. 31. the entry into force of the force loses financial and capital market Commission 27.01.2016. legislative provisions no 25 "Criminal money laundering and terrorism financing risk management regulations". Financial and capital market Commission and the President of p.i. licensing legal department director g. Romeik in the annex to the financial and capital market Commission 23.09.2016. regulatory arrangements no 154 report on money laundering and terrorism financing risk exposure characteristics of the actors name: reporting period: _ _. _. _ _ _ _. – __.__.____.
No PO box Criminal money-laundering and the financing of terrorism (NILLTF) risk exposure indicator the country code in accordance with the standard LVS EN ISO 3166-1:2014 amount in euro (turnover, revenue and gains points for the reporting period, financial assets, of the situation in the reporting period end date),% number of requests (the respondents) correspondent of the credit institution given the name NILLTF the maximum permissible limit of risk in accordance with risk management strategy NILLTF the 1. A client who is the subject of an in-depth research of the financial and capital market Commission 23.12.2015. normative regulation No 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' 40, 41, 42 and 43., as well as the client, which was the subject of an in-depth exploration of the reporting period, based on the risks that have been NILLTF openly during the deal and were in force during the reporting period time (total customers that the subject of an in-depth research) financial assets and its share in the total of the credit institution customer financial assets in the amount of 2. A client who is the subject of an in-depth research, credit the amount of the turnover and its share in the total of the credit institution's customer credit turnover amount 3. Income that earned from customers who are the subject of an in-depth research, services provided, and its share in total income in the amount of the credit institution 4. Customers who meet the financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements of paragraph 15.4, the amount of financial assets and its share in the total of the credit institution customer financial assets in the amount of 5. Customers who meet the financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements of paragraph 15.4, credit turnover amount and its share in the total of the credit institution's customer credit turnover amount 6. Achieved in income from services rendered to customers who meet the financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements of paragraph 15.4, and its share in total income in the amount of the credit institutions 7. The total of the credit institution after 20 credit turnover the largest customer group related subject for in-depth research, the amount of financial assets and its share in the credit institution's client, which the subject of an in-depth study, the total amount of financial assets 8. The total of the credit institution after 20 credit turnover the largest customer group related subject for in-depth research, credit the amount of the turnover and the share of credit to client subject to in-depth research, the total credit in the amount of turnover 9. Achieved in income from services rendered by the credit institution's 20 total turnover of the largest credit related client groups subject to in-depth research, and its share in total income in the amount of 10 of the credit institution. Customer that the true beneficiaries of the residence (domicile) is one of the country's financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions" referred to in paragraph 31, the risk increasing factors, the amount of financial assets and its share in the total of the credit institution customer financial assets in the amount of 11. Customer that the true beneficiaries of the residence (domicile) is one of the country's financial and capital market Commission 23.12.2015. regulatory rule Nr. 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions" referred to in paragraph 31, the risk increasing factors, credit the amount of the turnover and its share in the total of the credit institution's customer credit turnover amount 12. Private banker in the framework of the provision of services of credit transactions turnover margin and its share in total credit customer transactions credit turnover amount 13. Income earned on private service provision within transactions, and its share in total credit in the amount of income 14. Client loans, which are secured by a financial instrument or other security of public credit institutions guarantees issued, about the end of the reporting period, except when the repo, and its share in total customer loans in the amount of 15. Trust and fiduciary business credit turnover amount at the end of the reporting period, 16. Trust and fiduciary business debit turnover shall at the end of the reporting period, 17. Income earned from the trust and fiduciary transactions, and its share in total credit in the amount of income 18. Customer identification carried out remotely (client not physically participated in the identification), the amount of financial assets and its share in total customer financial assets in the amount of 19. Customer identification carried out remotely (client not physically participated in the ID), credit the amount of the turnover and the share in total customer credit turnover amount 20. Customer identification was made through third parties (agents, intermediaries), the amount of financial assets and its share in total customer financial assets of 21. Customer identification was made through third parties (agents, intermediaries), credit the amount of the turnover and the share in total customer credit turnovers in 22. Transaction conducted through the service delivery channels with increased risk of NILLTF (e-commerce and its variations), credit turnover amount and proportion of the total business of the credit institution customers credit in 23 turnovers. Lori correspondent credit institution (respondents) incoming payment amount of the turnover by Laura correspondent (the respondents) in the registration States that correspond to one of the groups of countries, which are risk factors for NILLTF step-up financial and capital market Commission 23.12.2015. the normative regulation No 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements 24. Lori correspondent credit institution (respondents) outgoing payment the amount of the turnover by Laura correspondent (the respondents) in the registration States that correspond to one of the groups of countries, which are risk factors for NILLTF step-up financial and capital market Commission 23.12.2015. the normative regulation No 234 customer "in-depth research and regulations regulations for credit institutions licensed in payment and electronic money institutions ' requirements 25. Each offset credit where the credit institution opened nostro accounts (offset), the number of applications submitted and request these transactions within resources 26. Profit, a credit institution wishes to acquire, taking NILLTF risk management strategy set out in the risk exposure of the NILLTF ... * * If a credit institution is defined by the individual indicators, not specified in paragraph 10 of these rules, a credit institution specified in a new line of credit institutions, including certain quantitative indicators.