Key Benefits:
RUSSIAN FEDERATION
FEDERAL LAW
About Deposit Insurance
in Russian banks
Adopted by the State Duma style="mso-spacerun:yes"> November 28, 2003
Approved by the Federation Council style="mso-spacerun:yes"> 10 December 2003
(in the [ [ Federal Law]] of the [ [ Federal Law]]) August 20, 2004 N 106-FZ-
Assembly Legislation of the Russian Federation, 2004, N 34, st.
3521; Federal Act of December 29, 2004 N 197-FZ-Assembly
legislation Russian Federation, 2005, N 1, st. 23;
Federal Act of 20 October 2005 g. N 132-FZ -Collection
legislation Russian The Federation, 2005, N 43, st. 4351;
Federal Law of 27 July 2006 N 150-FZ - Meeting
legislation Russian The Federation, 2006, N 31, st. 3449;
Federal Law 13 style="mso-spacerun:yes"> N 34-FZ - Meeting
Russian federation legislation, 2007, N 1350;
Federal Act of 13 October 2008 g. N 174-FZ - Collection
Russian federation legislation, 2008, N 42, 4699;
Federal Act of 22 December 2008 g. N 270-FP - To
legislation Russian The Federation, 2008, N 52, st. 6225;
Federal Act of 25 November 2009 n-n-n
Russian federation legislation, 2009, N 48, t. 5731;
Federal Act of December 29, 2010 g. N 437-FZ
legislation Russian The Federation, 2011, N 1, st. 49;
Federal Law of 27 June N 162-FZ - Meeting
Russian federation legislation, 2011, N 27, st. 3873;
Federal Law of 11 July 2011 N 171-FZ - Meeting
Russian federation legislation, 2011, N 29, st. 4262;
Federal Law of 7 May 2013 N 81-FZ Meeting
legislation Russian Federation, 2013, N 19, st. 2308;
Federal Law style="mso-spacerun:yes"> July 2013 N 146-FZ To Collection
legislation Russian The Federation, 2013, N 27, st. 3438;
Federal Act of 2 December g. N 335-FZ -
legislation Russian Federation, 2013, N 49, st. 6336;
Federal Act of 28 December 2013 g. N 410-FZ - To
Russian federation legislation, 2013, N 52, st. 6975;
Federal Law of 2 April N 41-FZ - Meeting
Russian federation legislation, 2014, N 14, st. 1533;
Federal Law of 21 style="mso-spacerun:yes"> July N 218-FZ - Meeting
Russian federation legislation, 2014, N 30, st. 4219;
Federal Act of December 22, 2014 g. N 432-FO - Collection
legislation Russian Federation, 2014, N 52, st. 7543;
Federal Act of December 29, 2014 g. N 451-FZ -
MeetingRussian federation legislation, 2015, N 1, 4;
Federal Act of December 29, 2014 g. N 461-FZ- -Collection
Russian federation legislation, 2015, N 1, 14;
Federal Law of 29 June 2015 N 167-FZ - Meeting
legislation Russian Federation, 2015, N 27, st. 3958;
Federal Law 13 style="mso-spacerun:yes"> July 2015 N N 229-FZ - Meeting
Russian legislation, 2015, 4355)
This federal law establishes legal, finance
and organizational bases Mandatory
Insurance of Physical persons in banks of the Russian Federation
(hereinafter - the contributions), jurisdiction, order
and of the
mandatory insurance Contribus (Agency Insurance deposits, hereafter also- Agency), repayment procedure for
regulates relations between banks of the Russian federations,
Agency, Central Bank of the Russian Federation (Bank of Russia)
and executive Russian Federation in
Relations Mandatory individuals ' deposits in
banks.
Chapter 1: General provisions
Article 1: The objectives of this Federal Law and Relations,
managed
1. The goals of of this Federal Law are the protection of rights
and legitimate interests style="mso-spacerun:yes"> Russian banks Russian banks
strengthening trust to the bank of the Russian Federation and
stimulating attracting in the bank's savings
Russian Federation System.
2. The real Federal regulates the relationship
creating and functioning contributions insurance
generating and using the fund, payments
reimbursement for deposits insurance cases, and
relationship, arising from state
control for the deposit insurance system, and other
relationships that arise in this area.
3. This Federal Law does not apply to
for different ways of insinating the deposits of individuals for
to return them and pay interest on them. 4. with for the Federal law sets features of The legal status of the members of the system
coverage for and definitions of conditions mandatory insurance contributions, insurance, payment fears and
mandatory deposit insurance.
5. Relationships, in with creating the and
of the insured deposits, are regulated
true Federal Law, Other federal laws, in
cases, of the by the Federal by the law,
received according to legal by law
Governments Russian The Federation and regulatory acts of the Bank
Russia.
Article 2. Basic concepts used in this
Federal Law
This Federal Law uses the following basic
concept:
1) bank - credit organization, permission granted by the Bank
Russia to attract money from physical persons style="mso-spacerun:yes"> and
to open and maintain bank accounts for individuals,
Bank of Russia to banks in the order of established by the Federal
O Banks and bank (in revision of Federal
Act No. 17-FZ of 3 February 1996) (hereinafter: style="mso-spacerun:yes"> law
"About Banking and Banking";
2) Cash contributions in the currency of the Russian Federation or
foreign currency, hosted by or in individuals user
in a bank in the Russian Federation on the for the contract
bank contribution or bank accounts, including
capitalized (credited) percent on contribution (in
Federal Law style="mso-spacerun:yes"> December N 270-FZ-Assembly
Laws of the Russian Federation, 2008, N 52, article 6225);
3) Registry - in matches with real
Federal law list of banks, registered in the system
deposit insurance;
4) contributor style="mso-spacerun:yes"> Russian Federation, foreign
citizen or without a nationality, concluded with the bank
bank deposit or contract account, or any from
specified for whom you contributed;
5) Reparations for contributions (deposits) (also - Insurance
refund) - money sum, to to pay to
matches with hereby Federal < offensies
insurance case;
6) Bank of Russia's permission-issued by the Bank of Russia license
on to use the bank in deposits of natural persons and
to open and maintain bank accounts of individuals in the Order,
installed Federal Banking Law
; 7) fund deficit style="mso-spacerun:yes">
insufficiency of of the Mandatory Contributionfor
payment Reparations to in
true Federal Law of Date;
8) Requirements of the - money obligations of the contributor
before by the style="mso-spacerun:yes"> civil-legal transactions (or) other
envisaged by Russian legislation reasons
where the is by the debtor ( 8
Federal By Law style="mso-spacerun:yes"> December N 270-FZ-Assembly
Laws of the Russian Federation, 2008, N 52, article 6225).
Article 3: Core principles of the deposit insurance system
The basic principles of the deposit insurance system are:
1) Be bound by banks in insurance
contributions;
2) Risk Reduction style="mso-spacerun:yes">
for depositors in case of banks not fulfilling their obligations;
3) Transparency of Deposit Insurance Activity;
4) cumulative nature of the mandatory
Insurance of contributions banks ' regular insurance premiums-
Contributs contributors.
Article 4: Contributors to the deposit insurance system
Contributors ' Contributors are:
1) depositors recognized by for the purpose of this Federal
law of the beneficiary;
2) Banks, made by in the installed order in the bank registry
recognized for purposes style="mso-spacerun:yes"> Federal
insured;
3) Agency, goals of this Federal
Insurer;
4) Bank of Russia in functions from
true Federal Law.
Article 5: Contributions that are insured in
compliance with this Federal Law
1. In accordance with , the Federal is subject to
insurance in order, sizes and on conditions
is set by Chapter 2 of this Federal Law, except
money specified in Part 2 of this Article.
2. In accordance with this Federal Law, it is not
cash insurance: 1) bank accounts (in contributions)
notaries and Other
implementation of the federal law Professional
(in the Federal Law of 22 December 2008
270-FZ-Russian Federation Law Assembly, 2008, N
52, st. 6225; Federal Act of 28 December 2013 N 410-FZ-
Russian Law Assembly, 2013, N 52, st.
6975);
2) Hosted Physical bank
bearer, in volume number to the savings
certificate and/or savings book to the bearer;
3) Transferred Physical banks trusts
control;
4) Hosted in deposits outside Territories
Russian Federation of Banks of the Russian Federation;
5) are electronic money (para. 5
introduced by Federal Act of June 27, 2011 N 162-FZ- Meeting
Laws of the Russian Federation, 2011, 3873);
6) posted in nominal accounts, except for separate
nominal accounts, which are opened to tutors or guardians and
intended beneficiaries, of the lair style="mso-spacerun:yes"> and
accounts of the arrow, if is not set by this Federal
Law (paragraph 6 introduced by Federal Act of July 21, style="mso-spacerun:yes"> N
218-FZ -Collection of Russian legislation, 2014, N
30, , 4219; in the red. Federal Act of 22 December 2014. N
432-FZ -Collection of Russian legislation, 2014, N
52, st. 7543)
3. force of the present
Federal Law and does not require an insurance contract.
Article 6: Banks participation in deposit insurance
1. Contributing in to to { }
true Federal Law is mandatory for all banks.
2. The bank is considered a member of the deposit insurance system
of the before the day that it was taken into account in the system
insurance in
Federal Law
3. Banks must:
1) pay style="mso-spacerun:yes"> contributions in required
deposit insurance (hereafter referred to as insurance premiums);
2) represent Contribus to
Deposit Insurance { \cs6\f1\cf6\lang1024
} style="mso-spacerun:yes"> resizes
contribution reimbursement;
3 publish style="mso-spacerun:yes">
available bank-enabled bank locations
maintenance;
4) keep records of the bank's liabilities to depositors and oncoming
bank requirements to investor, ensuring the bank readiness
form the attack an insurance event, or any
day at Bank of Russia request (within seven calendar days
to the specified bank requirements) registry of commitments
bank before contributors style="mso-spacerun:yes"> and by in the form,
set by Bank of Russia style="mso-spacerun:yes"> Agency's clause
Federal Act of 22 December 2008 g. N 270-FP - To
Laws of the Russian Federation, 2008, N 52, article 6225);
5) Other responsibilities, provided by
Law
Chapter 2: Order and Terms and Conditions for Contribution
Article 7. Rights of depositors
1. Contributors have the right:
1) retrieve in order, installed
true Federal Law;
2) report the facts to the Agency The bank's delay
deposit commitments;
3) receive from a bank, in which they place the contribution, , and
information about bank insurance
deposits, about how and how much to get compensation for deposits.
2. Contributing Contributors Hosted in
with respect to which insurance has arrived style="mso-spacerun:yes"> saves
eligibility for this bank to the amount determined by the difference
between requirements to the amount of
awarded of the in
Satistion of with this right style="mso-spacerun:yes"> of the requirement for the bank
is implemented in matches civilian
Russian Federation.
3. of the banking contract of the (Contract
bank account in contributor's of the contributor
of this Federal Law, acquires
physical person in favor of which style="mso-spacerun:yes"> bank- contribution
(open bank account) (Part 3 introduced by Federal Act of 22
December 2008 N 270-FZ- Russian Law Collection
Federation, 2008, N 52, st. 6225).
4. of the nominal account of , savers
of this Federal Law, acquires
natural person, that is the account of (part 4
introduced Federal by law style="mso-spacerun:yes"> from 22 December 2014 N 432-FZ-
Russian Federation Law Assembly, 2014, N 52, st.
7543).
Article 8: The Insurance Case
1. For the purposes of this Federal Law, insurance
is one of the following:
1 (invalidation) Bank of the Russian Bank
Banking Operations (hereinafter-Bank of Russia license)
with Federal banks and banks
activity ', if is not style="mso-spacerun:yes"> Agency
resolve obligations the bank in with the Federal
Act of 26 October 2002 N 1127-FZ " O insolvency
(bankruptcy) " (remainder of style="mso-spacerun:yes"> Federal The insolvency law
(bankruptcy) " (in the Federal Law of December 22, 2014). N
432-FZ -Collection of Russian legislation, 2014, N
52, st. 7543);
2) Introduction by the Bank of Russia in accordance with the with
Russian Federation of the Moratorium Requirements
bank creditors.
2. The case is thought to be from style="mso-spacerun:yes"> feedback
(cancellations) Bank of Russia's license bank or from the day Intro
moratorium on meeting the creditors ' claims style="mso-spacerun:yes"> (in
Federal Law style="mso-spacerun:yes"> December N 270-FZ-Assembly
Laws of the Russian Federation, 2008, N 52, article 6225).
Article 9: Contributing to Reparation Authority
on deposits
1. The right of the requirement of to compensate for the contributions
occurs from the day of an insurance event.
2. A person who has acquired in the of the [ [ requirement]]
deposits (deposits) after an { \b } insurance case, rights
fears by (contributions) does not have,
exception of a physical person, acquired in the order of inheritance
right requirements by input, for the insurance payment
compensation to the contributor is not style="mso-spacerun:yes">
Inherited to the right to use the deceased's deceased contributor's
provided by this Federal Law, with extraditions
heir to the right inheritance certificate or
other document, confirming its right to inheritance or law
using of the testator's money style="mso-spacerun:yes"> Federal
Act of December 22, 2008 N 270-FZ-Assembly style="mso-spacerun:yes"> legislation
Russian Federation, 2008, N 52, article 6225).
3. in the inheritance order after the [ [
insurance case style="mso-spacerun:yes"> contributor contribution (s)
several heirs each acquires the right to part of
paid to the contributor refunds,
proportional to the size of of the acquired requirements
specified contribution (s). In this case, the payment to the heir of the insurance company
compensation for specified contribution (deposits) is not style="mso-spacerun:yes"> dependency
this the heir of the reimbursements for other deposits (Part 3 entered
Federal Act of December 22 2008 g. N 270-FP - To
Laws of the Russian Federation, 2008, N 52, article 6225).
Article 10: Order of Refuners on deposits
1. Stacker ( delegate or successor (representative
heir) has the right to apply to the Agency with the requirement of the payment
Reparations on deposits from the day of an insured event to the day
completion of the competitive process, and at the Bank's introduction style="mso-spacerun:yes"> Russian
moratorium on style="mso-spacerun:yes"> creditors days before
termination of the stay (in The Federal Act of
December 2008 g. N 270-FZ-Legislative Assembly of Russian
Federation, 2008, N 52, st. 6225).
2. In the pass by the [ [ contributor]] (his successor) to the time limit for
claim reimbursement request referred to in Part 1
true article duration on the application of the depositor (his heir) may
be restored by the Agency's rule at style="mso-spacerun:yes">
of of the following circumstances of the (in the Federal of the Law from 22
December 2008 N 270-FZ- Russian Law Collection
Federation, 2008, N 52, st. 6225):
1) if by
contributions interfered with an emergency and non-preventable at data
circumstance (irresidation) (in ed. style="mso-spacerun:yes"> Federal
law of December 22, 2008 N 270-FZ-Legislative Assembly
Russian Federation, 2008, N 52, article 6225);
2) If the contributor is (heir) passed military
service or callout service (found) in composition of Armed
Power Russian Federation style="mso-spacerun:yes"> (other troops,
organs), transferred to military position, -
(military position) (in of the federal law of 22
December 2008 N 270-FZ- Russian Law Collection
Federation, 2008, N 52, st. 6225);
3) if the reason for skipping the specified date style="mso-spacerun:yes"> related to heavy
contributor's (its heir), state
( heir), the rule-of-the-lifetime
savers and others causes, associated with the person
depositor ( heir) (in Federal
December 2008 g. N 270-FZ-Legislative Assembly of Russian
Federation, 2008, N 52, st. 6225).
3. The restore
missed deadline for reimbursement claim
with can be be appealed by the contributor (s) in
court. (on the Federal Law of December 22, 2008 N 270-FZ-
Assembly Legislation of the Russian Federation, 2008, N 52, st.
6225)
4. The request with the request style="mso-spacerun:yes"> payment
on contributions The style="mso-spacerun:yes"> contributor (the contributor) represents (in
Federal Act of 22 December 2008 g. N 270-FP - To
Laws of the Russian Federation, 2008, N 52, article 6225):
1) statement by Agency-defined form
2) documents, his identity, when accessed
heirs also documents confirming his/her right to inheritance
or right use money of the testator (in
Federal Act of 22 December 2008 g. N 270-FP - To
Laws of the Russian Federation, 2008, N 52, article 6225);
5. The request with the request style="mso-spacerun:yes"> payment
compensations for deposits by the representative of the contributor (heir), along with
documents specified in paragraphs 1 and 2 of Part 4 of this articles
represents also a notarized power of attorney (in ed.
Federal Act of 22 December 2008 g. N 270-FP - To
Laws of the Russian Federation, 2008, N 52, article 6225).
Article 11. Contribution refunds
1. reparations for each to the depositor
is set based on the sum of contributions style="mso-spacerun:yes"> a bank, in
relationship of which has reached style="mso-spacerun:yes"> before
contributor. Calculations of bank commitments before
contributor in style="mso-spacerun:yes"> only accepts deposits, insured in
compliance with Article 5 of this Federal Law.
2. Reparations to in in the
insurance case, is paid to the contributor in the amount of 100
% of bank deposits, but no more than 1 400,000 rubles if
other The Federal (in red
Federal Act of 13 October 2008 g. N 174-FZ - Collection
legislation Russian Federation, 2008, N 42, st. 4699;
Federal Act of December 22, 2014 g. N 432-FO - Collection
legislation Russian Federation, 2014, N 52, st. 7543;
Federal Act of December 29, 2014 g. N 451-FZ -
MeetingRussian legislation, 2015, N 1, article 4.
3. If , has several in the one bank,
is paid for each contributions proportional to their
dimensions, but not 1 400 in together.
Installed of this part condition applies to all
deposits contributed by the contributor to one bank, in
volume of deposits, implementation
federal Enterprise Law
activities (excluding the accounts provided by the article
12-1 of this Federal Law) Federal Act of the Russian Federation
27 July 2006 g. N 150-FZ-Legislative Assembly of Russian
Federation, 2006, N 31, 3449; Federal Act of 13 March
2007 g. N 34-FZ-Assembly OF THE RUSSIAN FEDERATION, THE RUSSIAN FEDERATION
2007, N 12, st. 1350; Federal Act of 13 October 2008 N
174-FZ -Collection of Russian legislation, 2008, N 42, st. 4699; Federal Act of 28 December 2013 N 410-FZ- Assembly Legislation of the Russian Federation, 2013, N 52, st. 6975; Federal Law of December 22, 2014. N 432-FZ-Assembly legislation Russian Federation, 2014, N 52, st. 7543; Federal Act of December 29, 2014 g. N 451-FZ -
Russian legislation, 2015, N 1, article 4.
4. in when style="mso-spacerun:yes">
banks, in of which style="mso-spacerun:yes"> has deposits,
compensation is calculated for each bank separately.
5. reparations calculates based on from
cash flow balance for (deposits) style="mso-spacerun:yes">
bank at the end of an insurance event.
6. In the case of if the bank's commitment in relation to
is an insurance case, before the contributor is expressed in Foreign Minister
currency, reimbursement sum style="mso-spacerun:yes"> in in
Russian Federation at the rate set by the Bank of Russia for the day
accident.
7. If the bank in respect of which the insurance occurred,
opposed to to the contributor
reimbursement for by contribution is determined by the difference between
sum of liabilities of the bank before the contributor and
demands of a given bank to the contributor, that arose prior to the day Offensive
Insurance case
Article 12: Reimburpayment of deposits
1. Agency within seven days from receiving bank, in
whose relationship is an insurance case, of the registry obligations
bank before contributors directs to this also style="mso-spacerun:yes"> for
in " Herald < span style="mso-spacerun:yes"> Bank of Russia " and print organ
location of this bank about place, time, form and
receive statements style="mso-spacerun:yes"> depositors
deposits. During the month, from from of the bank registry
liabilities of the bank before the The Agency also directs
corresponding message to bank depositors, to
is an insurance case.
2. The clause in Part 1 of this contributor
right to get Directly in in the bank in
is an insurance case, and in the Agency.
3. the contributor ( representative) in
Documents Agency, parts of the 4 and 5
true Federal The Law, The Agency shall represent the contributor
statement from bank's obligation register to depositors
compensation size for its deposits.
4. Reimbursement for is made by the Agency
compliance with of the bank's commitments before ,
Theformed bank for which an insurance case occurred,
in current three days with of the view contributor
Documents Agency, parts of the 4 and 5
true Federal 14 days style="mso-spacerun:yes"> from
{ \b <} Federal
December 2008 g. N 270-FZ-Legislative Assembly of Russian
Federation, 2008, N 52, st. 6225).
5. Reparations On deposits, the Agency submits
investor about paid and contributions
reimbursed, and sends a copy to the bank.
6. of the Agency's failure to pay style="mso-spacerun:yes"> amounts
on contributions style="mso-spacerun:yes"> of this article
Agency pays to the depositor style="mso-spacerun:yes"> % no amount
Refinancing rates set by the Bank
Russian on Day Agency
deposits.
7. In the case of the objection to the
contributions, to be payment, The Agency offers to the savers
submit to Agency additional documents, confirming
reasonableness requirements, and route to style="mso-spacerun:yes"> for
review. Bank within 10 calendar days from the date style="mso-spacerun:yes"> receipts
specified documents style="mso-spacerun:yes"> in
requirements The contributor
changes in the registry bank to investors, and
direct in The results
requirements of the contributor and changes made to the registry of commitments
bank before depositors (ed.) of the Federal Act of 22 June style="mso-spacerun:yes"> December
2008. N 270-FZ- Russian National Assembly (Russian Federation)
2008, N 52, article 6225).
8. After agreement with the bank and the depositor of the amount of the liabilities
bank on documents
The Agency pays to the contributor refunds to in
installed.
9. In the case of a restore in order, of the provided parts
2-3 article 10 of this Federal Law, term for circulation
requiring to pay refunds to contributor to the right
get reparations for by contributions in size, matching amount
bank liabilities before , specified in the registry of
bank depositors
10. If you do not agree with the size of the reimbursement,
on contributor's contributor of the Russian Federation
Federations may sue for membership and
thesize of of the corresponding Requirements, and also to be paid
deposit refunds
11. Reimbursement of can be implemented by by
statement of the contributor in cash and by way
lists of currency the account in ,
contributor.
11-1. Payment of the Reimbursement of to the (deposits)
individual entrepreneurs, open for implementation
business activity, produced by the Agency
cash transfers to a bank account in the bank,
opened for business activity. If
in of the individual
business recognized by the court
(bankrupt), such payment of produced by the Agency by
cash transfers to in contest
production account of the debtor in about the order, installed by the Agency.
Assignment of Business Requirements to the Agency
not allowed (part of 11-1 Federal by law
December 2013 N 410-FZ- Russian Law Collection
Federation, 2013, N 52, st. 6975).
12. of requests for compensation by
contributions and other required documents, including provided by
parts 4 and 5 of this article Federal Law and Part 7
this article, , and refunds can
be implemented by by the Agency agent banks, effective from
name and for its account. Order of Banks-Agents
Agency, Including style="mso-spacerun:yes"> bank-agent costs
is installed by the Agency's Board of Directors. Order of competitions
agent banks are installed by the board of directors Agencies
in agreement with the Federal Anti-Monopoly Authority.
13. Reimbursement of to in currency
Russian Federation.
Article 12-1: Features of cash insurance,
posted to the account opened for
sales transaction calculations
assets
1. Cash allocated to arrow, open
physical person (the decor) to calculate the Buy-Sales
real property, must be insured in in
true Federal by law style="mso-spacerun:yes"> dates
documents submitted for state registration of rights before
expiration of three working days from the state registration date
in the Unified State Register of Real Property Rights, or
before three business days from the date of the decision to fail in
State registration of the right, or before , three
days from the date that the state registration terminated.
2. current
part of 1 Insurance period
funds allocated in the Escrow account, on the get
compensation covered by Part 3 of this articles,
has physical face, which is an or
arising from the{ } { } { } { wn for cash transfers to a beneficiary-a natural person that is contract beneficiary. Specified physical persons has all the rights of the contributor referred to in this chapter. 3. Reimbursement of an Escrow account opened for calculation real property, is paid in { \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024 } %{ \cs6\f1\cf6\lang1024 given
when an insurance event occurs, but not more than 10 million roubles.
4. Reimbursement is calculated and is paid separately
recoverybased on the part of the 11
true Federal Law.
5. The Agency in in the registry
the bank to the depositors asks the depositors in at the federal level
executive the authority in
State registration of real property rights and transactions
them, state of the inventory Property,
public real estate cadastre (hereinafter- body,
implementing state registration rights), information,
proof of state registration of rights
real property and status on day
Insurance case. requests
view of the specified is set by the body
State registration of rights, by agreement
Agency.
6. If , has several accounts eArrow,
covered by this article, one bank, the total size
obligations of which depositors exceed 10%
million. The compensation is paid for each of these deposits
proportional to their size.
7. If the bank for which the insurance occurred
to style="mso-spacerun:yes"> in quality
creditor, Reparations style="mso-spacerun:yes"> escrow
Part 2 of this article is determined by style="mso-spacerun:yes"> from
difference between the amount of the bank's liabilities to this person and the sum
counterclaims from this bank that have arisen to the advance days
insurance case, for
to of the specified by credit
Secured Mortgage style="mso-spacerun:yes"> premises, selling or purchase The
which is implemented using this account of the Escrow account.
(Article 12-1 was introduced by Federal Law of December 22, 2014) g.
N 432-FZ-Russian Federation Law Assembly, 2014, N
52, st. 7543)
Article 13: Change the right of the depositor after payment
Contribution Reparations
1. Contributing to the Agency,
within paid amount right requirements, that contributor had an insurance case against the bank. 2. In the course of the bankruptcy (liquidation) of the bank for which
is an insurance case, requirements, converted to to the Agency in resulting of payment reimbursements on deposits, are satisfied in
first queue of creditors (in the red. Federal Act of 22 December
2008. N 270-FZ- Russian National Assembly (Russian Federation)
2008, N 52, article 6225).
3. (forced liquidation) cases in style="mso-spacerun:yes"> and
bankruptcy procedures (forced Eliminations) in banks
requirements for a bank, transferred to the Agency as a result of payment
reparations for inputs,
executive of power, Authorized by the Russian Government
Federation (further - authority) (in Federal
law of December 22, 2008 N 270-FZ-Legislative Assembly
Russian Federation, 2008, N 52, article 6225).
4. After the Agency refunds by
authorized organ accepts style="mso-spacerun:yes"> measures from the amount
debts to the Agency to which it is style="mso-spacerun:yes"> got in
with parts style="mso-spacerun:yes"> 1 and 2 of this article, in order,
installed by Russian Federation Amount
{ \cs6\f1\cf6\lang1024
} is
Enrollment Mandatory
deposit insurance.
5. For the moratorium
bank's creditors, by the Bank of Russia
Agency to right to grant the to which were
payments made on deposits, delayed or in installments
repaying.
6. Deferration of the debt may be granted
for to months with the one-time style="mso-spacerun:yes"> amounts
debts.
7. Deferrationcan be granted
up to a year of payment in arrears.
8. The interest accrues percent style="mso-spacerun:yes"> from
rate, equal to one second rate of refinancing of the Bank style="mso-spacerun:yes"> Russia,
in period style="mso-spacerun:yes"> or repayments
debts.
Chapter 3: Status, purpose and authority of the Agency for
deposit insurance
Article 14. Deposit Insurance Agency
1. In , the purpose of implementing compulsory insurance functions
deposits are created by the Deposit Insurance Agency.
2. The Agency is a public corporation,
Russian Federation, status, activity, of the function, and
whose authority is defined by Federal by law,
Federal Act of 12 January 1996 No. 7-FZ " On non-commercial
, Federal Banking Law
Activity ", Federal The law of " On insolvency (bankruptcy) ", Federal by law " rights
insured persons in the mandatory pension insurance
Russian Federation at and investment
pension savings, establishing and implementing payments for account
pension savings style="mso-spacerun:yes"> and other federal laws (in
The Federal Law of December 28, 2013
Fred. N 410-FZ-Assembly
legislation Russian The Federation, 2013, N 52, st. 6975;
Federal Act of December 22, 2014 g. N 432-FO - Collection
Laws of the Russian Federation, 2014, N 52, article 7543)
3. The agency has with image State
coat of arms of the Russian Federation and with its name.
4. The account has in the Bank of Russia, [ [
open bank accounts in credit organizations on territories
Russian Federation in by law
Russian Federation. Federal Act of 7 May 2013 N
81-FZ-Russian legislation collection, 2013, N 19,
2308)
5. Agency's
isCity of Moscow.
Article 15. The purpose of the Agency's activities and authority
1. The goal of the Agency in matches with
Federal is the law operating system
deposit insurance.
2. mandatory insurance
Agency deposits:
1) organizes accounting of banks (maintains a bank registry);
2) collects the and control for
receipts into the required deposit insurance fund;
3) performs activities on consideration of the requirements of investors
bank and deposit refund;
4) has the right to access in the Bank of the Russian
applying to banks for violating the requirements of this Federal law of liability measures under Article 74 of the Federal
Law of 10 July 2002 N 86-FZ "On the Central Bank of the Russian Federation Federation (Bank of Russia) " (hereinafter referred to as the Federal Law on Central Bank Russian Federation (Bank of the Russian Federation) " and regulations Bank of Russia; 5) invests in the free fund required Deposit Insurance of the Bank of Russia and/or Other Deposits style="mso-spacerun:yes"> assets
(investment objects) according to Article 7-1 Fed
law of 12 January N 7-FZ " O
, makes with Bank of repo transactions
Federal Act of December 29, 2010 g. N 437-FZ
legislation Russian The Federation, 2011, N 1, st. 49;
Federal Law style="mso-spacerun:yes"> 7 May N 81-FZ - Meeting
Russian legislation, 2013, N 19, article 2308);
6) has the right to require from banks for
system insurance contributions style="mso-spacerun:yes"> and the participation of the bank in the available
for depositors style="mso-spacerun:yes"> bank, in
maintenance;
7) determines how insurance premiums are calculated in matches
with Article 36 of this Federal Law;
8) performs other directed to achievement
supplied before by the Agency style="mso-spacerun:yes"> matches with
Federal By Law and Federal Target Laws (in
Federal Act of 28 December 2013 g. N 410-FZ - To
Russian legislation, 2013, N 52, article 6975).
3. Agency Mandatory
deposit insurance under this Federal Law
requires an insurance activity license.
4. The Agency in accordance with the Federal Law " On Banks and
banking activities ' and the Federal Law on Insolvency
(bankruptcy) " performs control's control
(liquidator) at bankruptcy style="mso-spacerun:yes"> (Part of 4
introduced Federal by law style="mso-spacerun:yes"> from 22 December 2008 N 270-FZ-
Russian Law Assembly, 2008, N 52, st.
6225; Federal Act of the [ [ Federal Law]] December 22, 2014. N 432-FZ-
Russian Federation Law Assembly, 2014, N 52, st.
7543).
5. The Agency has the right to perform operations on implementation
assets (subject ), enforcement
Obligations of Credit Organizations-Counterparties of the Bank of Russia style="mso-spacerun:yes"> by
credits (Part 5 introduced by Federal Law of December 22, 2008
N 270-FZ-Collection of Russian legislation, 2008, N
52, st. 6225).
6. To ensure financial sustainability of the insurance system
Contributions of Agency to Governments Russian
Federation has the right to purchase (shares) (shares) - participants
Deposit Insurance { \cs6\f1\cf6\lang1024
} style="mso-spacerun:yes"> Payment for shares (shares) of banks in
compliance with this part does not apply to limit
property (non-monetary) donation in charter capital
Credit Organization (Article 11 of the Federal Law style="mso-spacerun:yes"> banks
banking activity) , mandatory property assessment
contributed in charter capital, in with
Independent evaluator (Article 15 Federal Law of 8 February
1998 N 14-FZ " About Societies with Limited liability ",
Article 34 of the Federal Act of 26 December 1995 " About
joint-stock companies "). Order of payment in banks (shares)
compliance with of this is not part of
Acquisition of shares (shares) by the Agency according to Federal
of 26 October 2002 N 127-FZ " On insolvency
(bankruptcy) " (Part 6 introduced by the Federal Act of 29 style="mso-spacerun:yes"> December
2014. N 461-FZ- Russian National Assembly (Russian Federation)
2015, N 1, st. 14)
Article 16. Agency property
1. Agency property is formed by for Property
contributions in Federal
law, insurance premiums style="mso-spacerun:yes"> Warranty Contributions,
Federal Law " On the Guarantee of Rights in
System of of the mandatory pension insurance of the Russian Federation Federation
when generating and investing tools Retirement of Savings,
and implementation of the payment for pension funds
savings ", , and revenues, received by the Agency
cash allocation, of emission-related funds valuable
{ \b }
{ \b } { \b } { \b Bill} from
28 December 2013 N 410-FZ-Legislative Assembly Russian
Federation, 2013, N 52, st. 6975).
2. obligations Russian
Federation. Russian Federation does not meet
Agency, unless otherwise specified by federal law.
3. The Agency uses its property to perform functions,
provided by this Federal Act, by law
O Banks and Banking Activities by Federal " Oh
Securing Rights Insured Mandatory
pension Insurance The Russian Federation when it is formed and
investment of ) and
payments for savings account account of savings
Federal By Law style="mso-spacerun:yes"> October 2002 N 127-FZ " O
insolvency (bankruptcy) " and other federal laws (in
The Federal Law of December 28, 2013
Fred. N 410-FZ-Assembly
legislation Russian The Federation, 2013, N 52, st. 6975;
Federal Act of December 22, 2014 g. N 432-FO - Collection
Laws of the Russian Federation, 2014, N 52, article 7543)
Article 17. Agency)
Controls The Board of Directors
Agency, Agency Board and Director General of the Agency.
Article 18. Agency Board of Directors
1. The Supreme Agency is
The Agency'sdirectors . Agency
members-seven government Russian Federation
Five Representatives of the Bank of Russia and Director General Agency.
The Director General of the Agency is part of the composition of the
Agency for Post
2. The Chairman of the Board of Directors of the Agency is elected by the Board.
Agency } style="mso-spacerun:yes">
Federation.
3. The Agency's Agency meetings are called by
President or Not third members of tips
directors of the Agency, as required, but at least one Time
per quarter.
4. The Board of Directors of has the authority to take the decisions,
if in the meeting style="mso-spacerun:yes">
Board of Directors style="mso-spacerun:yes">
majority of votes from the number of attendees. On equality of a number
votes at the council meeting Directors
Agency is critical.
5. The Agency's meeting's meeting
tip Agency directors
person authorized by the Chairman of the Board of Directors of the Agency.
6. Agency
Agency Agencyis signed by the chairperson of the tip of the
Agency. Views of the Board of Directors of the Agency in
minority when voting is recorded on their request to the protocol.
Article 19. Authority of the Board of Directors of the Agency
The Agency's Board of Directors of the Federal Law of
December 2008 g. N 270-FZ-Legislative Assembly of Russian
Federation, 2008, N 52, st. 6225):
1) approves the Agency's management proposals forecast
Expense from federal budget to cover the deficit
required
directs to the Government of the Russian Federation for inclusion in federal budget draft law for the next year; 2) sets the base, secondary, and High additional premium rate Federal Law
of 22 December N 432-FZ - Collection legislation
Russian Federation, 2014, N 52, est. 7543);
3) style="mso-spacerun:yes"> law
29 December 2010 N 437-FZ-Legislative Assembly Russian
Federation, 2011, N 1, article (49)
4) accepts style="mso-spacerun:yes"> about the presence of a deficit in the mandatory
deposit insurance and forwards proposals for coverage
fears Russian
Federation and (or) Bank of Russia not later than five days from receipt
notifications from the Agency's board (to the red. Federal Act of 2
December 2013 N 335-FZ- Russian Law Collection
Federation, 2013, N 49, st. 6336);
5) accepts style="mso-spacerun:yes"> in the federal budget
correspondence with budget Russian Federation
received in by this Federal Law of Funds
federal budget after financial stability deposit insurance fund; 6) approves the calculation of insurance premiums. 7) approves the Agency's annual report; 8) approves the order of the issuing banks or repayments in cases
true Federal Law;
9) approves the Agency's cost estimates and order Usage
the Agency's profits. Federal Act of 22 December 2008
N 270-FZ-Collection of Russian legislation, 2008, N
52, st. 6225);
9-1) defines style="mso-spacerun:yes"> expenses, with trust
management of pension savings, and implementation
Property, of the pension savings component,
liquidation of non-state pension of the fund,
activity by Mandatory pension insurance, in
compliance with for 11 Articles 33-2 of the Federal Law
Non-State pension funds " (item 9-1) Fed
Law of June 29, 2015 N 167-FZ - Legislative Assembly
Russian Federation, 2015, N 27, est. 3958);
10) approves the Agency's organization structure;
11) accepts style="mso-spacerun:yes"> branch and about open
representing the Agency;
12) assigns to and frees
Director General of the Agency;
13) assigns to and exempt from membership
Agency Board;
14) assigns an auditor Agency;
15) listens for reports
Agency Activity;
16 approves the Agency's rule of work;
17) performs activity of the internal
Agency audit;
17-1) installs order of the selection order
audit organizations for usage checks
Agency Foundation of the mandatory contributions (para. 17-1
supplied by the Federal by the law style="mso-spacerun:yes"> December 2008 N 270-FZ-
Russian Law Assembly, 2008, N 52, st.
6225);
18) accepts style="mso-spacerun:yes"> on the issue of the Bond Agency and other
emission securities;
19) performs other authority, provided by this
Federal By Law and Federal (in
Federal Law style="mso-spacerun:yes"> 2 April N 41-FZ Collection
Laws of the Russian Federation, 2014, No. 1533)
Article 20. Agency Board
1. The Agency's control is defined
Theboard of directors of the Agency. The Director General of the Agency is
under the Agency and
Agency Board
2. Agency Management except General
Agency , are appointed for a five-year term
Board of Directors of the Agency on the Proposal of the General Director
Agency.
3. The Agency's Agency's [ [ Agency]] members are working style="mso-spacerun:yes">
persistent
4. Agency members may be released style="mso-spacerun:yes"> from
posts:
1) after the period specified in this article expires permissions
Director General of the Agency;
2) before the expiration date specified in this article permissions
Agency
Board style="mso-spacerun:yes">
Agency Director
5. The Agency's Board is in effect on the basis of the approved
Agency
Board style="mso-spacerun:yes"> Agency Management
which set to the date style="mso-spacerun:yes"> and the order of convening and holding it
meetings and how to make decisions.
6. A protocol is being kept at the Agency's Board meeting. Protocol
Agency Management Meeting
directors of Agency, external
requirement.
7. Agency Management organizes
Agency Director style="mso-spacerun:yes"> or a person
meetings Agency board signs
presidency of the Board and members
membersAgency Board present at the meeting.
Article 21. Authority of the Agency
The Agency's board ( (...) (...)
2008. N 270-FZ- Russian National Assembly (Russian Federation) 2008, N 52, article 6225): 1) accepts style="mso-spacerun:yes"> refunds
deposits;
2) accepts style="mso-spacerun:yes"> o include a bank in a bank registry and about
Bank from banks in order,
true Federal Law;
3) addresses the Bank of Russia with
bank of liability measures in accordance with Article 74 of the Federal
The Central Bank of the Russian Federation (Central Bank of Russia)
4) adds to the Agency
development style="mso-spacerun:yes"> contributions
Federal Law style="mso-spacerun:yes"> 29 December N 437-FZ-Assembly
Russian legislation, 2011, N 1, article 49);
5) adds to the Agency
fund size style="mso-spacerun:yes"> contributions
sufficient for to implement projected in the coming year
deposits reimbursement, forecast size style="mso-spacerun:yes"> expenses from
federal budget for of the foundation deficit
deposit insurance in the coming year;
6) directs to
there is a deficit in the mandatory deposit insurance fund based
data from bank liability registers to depositors, formation
provided for style="mso-spacerun:yes"> 4 3 6 of the present
Federal Law, no later than three days from receipt from the bank
registry of commitment of the bank before in matches with
Part 1 of Article 30 of this Federal Law;
7) reviews the Agency's annual report style="mso-spacerun:yes"> and passes
approval by the Board of Directors;
8) represents the The Agency's suggestions
Agency Profit Use;
9) approves the Agency's staffing table, defines conditions
employing, dismissals, service rights, system
disciplinary sanctions, size, and Labor forms
Agency;
10) performs the authority,
Federal Law, Federal by law " O of banks and bank
Activity ", Federal The law of " On insolvency
bankruptcy " and Federal law
insured persons in the mandatory pension insurance
Russian Federation at and investment
pension savings, establishing and implementing payments for account
pension savingsif they are not within the scope
Board of Agency directors (in The Federal
December 2013 N 410-FZ-Legislative Assembly of Russian
Federation, 2013, N 52, st. 6975; Federal Act of 22 December
2014. N 432-FZ- Russian National Assembly (Russian Federation)
2014, N 52, article 7543)
Article 22: Director General of the Agency
1. The Director General of the Agency is assigned to
Board of the Agency's the tip of the tip
Directors of the Agency for a term of five years. style="mso-spacerun:yes"> general
Agency }
month to expiry style="mso-spacerun:yes"> (end) General authority
Agency Director
2. The Director General of the Agency may be free from
board Agency directors
Chairman of the Agency's Board of Directors:
1) expired;
2) submissions Personal resigns
Chairman of the Board of Directors;
3) committing criminal style="mso-spacerun:yes"> punishable s
sentence that has entered into force;
4) Federal laws that govern
relationships associated with the Agency.
Article 23. Authority of the Director General of the Agency
Director General:
1) works from and does not
power of attorney interests in relations with State bodies
authorities, organizations Foreign and international states
organizations, other institutions, and organizations
2) leads the The and implementation of the
Agency Board decisions;
3) issues and Activities
Agency;
4) distributes responsibilities among its deputies;
5) appoints exempt employees from office
Agency;
6) accepts the decision of the
competence of Agency, for questions,
Terms of reference for the Agency's Board of Directors and Board of Directors.
Article 24. Agency reporting
1. The Agency's period of time is set from 1 January to 31
December.
2. The Agency's annual report is prepared annually no later than 15.
February , of the next , and by
Agency Directors until March 15.
3. The Agency's report is sent to in The Government
Russian Federation and Bank of Russia
4. The Agency's Agency's Agency style="mso-spacerun:yes">
accounting balance must Mandatory in
The Bank of Russia and the Russian Gazette.
5. The Agency's annual report includes:
1) Report on the activities of the Agency during the past reporting period period
with analysis of status style="mso-spacerun:yes"> deposit and use insurance systems
required deposit insurance funds
2) Agency Annual Accounting Balance;
3) Report style="mso-spacerun:yes"> funds money
deposit insurance;
4) Report style="mso-spacerun:yes"> profit and loss, including those from
investing temporarily Agency free (in
Federal Law style="mso-spacerun:yes"> 29 December N 437-FZ-Assembly
Russian legislation, 2011, N 1, article 49);
5) Banking Registry;
6) other information according to article 7-1 Federal
law of 12 January N 7-FZ " O
organizations " (para. 6 introduced by Federal by law) style="mso-spacerun:yes">
2010. N 437-FZ- Russian National Assembly (Russian Federation)
2011, N 1, article 49)
6. The confidence of the annual balance of the Agency
cash flow statement report for mandatory insurance
deposits, profit reports (loss) from location and
(or) investing in the Agency's temporarily free money,
confirmed by an independent audit organization.
7. The activity of is placed
official website of the Agency in the "Internet" according to
Article 7-1 of the Federal Act of 12 January 1996 style="mso-spacerun:yes"> 7-FZ " Oh
Non-profit organizations (Part 1) 7. introduced by Federal Law
of 29 December style="mso-spacerun:yes"> 2010 N 437-FZ - Collection legislation
Russian Federation, 2011, N 1, article 49)
Article 25. Agency Audit
1. The Board of Directors of the Agency determines the auditannually
firm to verify the Agency's accounts.
2. Internal Agency Audit is implemented by
internal audit, The
Order of formations and internal audit
is determined by the Agency's Board of Directors.
3. The Agency's Agency's authority's decisions style="mso-spacerun:yes"> o
extraordinary Audit audit
Agency.
Article 26. Reorganization and liquidation of the Agency
The Agency can be reorganized or
federal law basis, defining the order reorganizing
or Elimination and Use of Agency Property.
Chapter 4: Organizational framework of the deposit insurance system
Article 27. The basis of the Agency's interaction, bodies
State authority and the Bank of Russia
1. Federal authorities, authorities
state of power Russian Federation Subjects, bodies
Local self-government and the Bank of Russia do not have the right to intervene in
Implementing Agency Activities
functions and permissions.
2. The Bank of the Russian Federation coordinates its activities and
inform each other on
deposit insurance.
3. Information
insurance for contributions style="mso-spacerun:yes"> The Bank of sends to the Agency
reporting banks and other necessary information.
4. Russia Bank next day, next in the day of adoption
corresponding of the solution, informs the (in
Federal Law style="mso-spacerun:yes"> 2 December N 335-FZ-Assembly
Russian legislation, 2013, N 49, art. 6336):
1) to grant Bank of Russia permission;
2) commit bank's check style="mso-spacerun:yes"> by
Agency proposal;
3) about assignments of the interim administration
credit organization;
4) about the revocation (revocation) of the Bank of Russia's license;
5) Introduction of the Requirements
bank creditors;
6) to replace the Bank of Russia license;
7) o Introduction to the in deposits Currency
Individuals ' funds and opening bank accounts of individuals
48
use of the Bank Russia bank of the ban
Attracting Individuals ' Persons style="mso-spacerun:yes"> and open
bank accounts of physical Russia's Bankin
conformity with style="mso-spacerun:yes"> 48 of the Federal
hosted by the Bank of Russia style="mso-spacerun:yes"> in
Internet Information and Telecommunications Network
relevant regulation, and Agency at its official
site in Internet Information and Telecommunications Internet
later of the day, of the next for getting appropriate
information from the Bank of Russia, and is removed from their official sites style="mso-spacerun:yes"> in
information and telecommunications network "Internet" in order,
set by the Bank of Russia and by the Agency respectively
Federal Law style="mso-spacerun:yes"> 2 December N 335-FZ-Assembly
Russian legislation, 2013, N 49, art. 6336).
(Part 4 in Federal Law December 22, 2008 N
270-FZ-Russian Federation Law Assembly, 2008, N
52, st. 6225)
4-1. Bank of Russia no later than three working days from the date of
corresponding of the or from the date the Bank of Russia received corresponding from the territorial of the Bank Russian or Commissioner informs the Agency
Federal Act of 2 December g. N 335-FZ - Russian legislation, 2013, N 49, art. 6336):
1) About Recognition of lost Russia's Bank's license style="mso-spacerun:yes">
Attracting Bank to Contributing of natural persons and on the
opening and maintaining bank accounts for individuals;
2) Using Bank of bank in the form of a ban
(restrictions) on Attracting Individuals and
opening bank accounts of individuals according to article
74 Federal Law "On the Central Bank" style="mso-spacerun:yes"> Russian Federation
(Bank of Russia) ";
3) reorganizing a bank.
(Part 4-1 is introduced by Federal Law of December 22, 2008. N
270-FZ-Collection of Russian legislation, 2008, N ,
)
5. Agency not later working of the next for the daytime
adopting appropriate decision, informing the Bank of Russia:
1) of a submission style="mso-spacerun:yes"> the bank in the bank registry and the bank exception from
specified registry;
2) to change the premium rate.
6. The Agency has the right to apply to the Bank of Russia with proposals:
1) to check the bank by the Bank of Russia. style="mso-spacerun:yes"> Order of Participation
Agency employees in such style="mso-spacerun:yes"> checks, and responsibilities
set by Bank of Russia regulatory acts by agreement c
Agency;
2) Using Bank of Russia to the bank of measures of responsibility,
provided by federal laws, with ,
justification for the use of these measures.
7. The bank's
Russian and About the use of the Bank of Russia to the bank of liability measures
Bank of Russia reports to the Agency within 15 days from style="mso-spacerun:yes"> receipts
corresponding sentence.
8. or { \cs6\f1\cf6\lang1024 } or
additional rate in the bank's relations
)Russia no later than 45 days after end of block in
Agency in the order, established by the Bank's regulatory act Russia,
details of the bank's compliance with the additional or
extra extra bet for Parts 7-4 and 7-5
Articles 36 of this Federal (Part 8
Federal By Law style="mso-spacerun:yes"> December N 432-FZ-Assembly
Laws of the Russian Federation, 2014, N 52, article 7543)
Article 28. Accounting and deregestation of the bank
the deposit insurance system. Bank Inventory
1. The bank's insurance system
executed by by the by making it into the bank registry in
grounds for Bank of Russia's permission to issue permission to the bank Bank
Russia.
2. The Agency makes a bank in the day get
Notification of the Bank of Russia referred to in Part 1 of this Article.
3. The bank is removed by the Agency from in the insurance system
deposits by excluding it from the bank registry in the following cases:
1) revocation of Bank of Russia license style="mso-spacerun:yes"> and completion
Agency of repayment procedures for deposits, installed
true Federal Law;
2) Termination of the Right to Attracting Money means
individuals and the opening and maintenance of bank accounts
due to replacement or in order, installed
normative by the Bank's act style="mso-spacerun:yes"> Russia, , which has lost the license strength of the Bank
Russian bank to deposit money physical
and on open and to maintain bank accounts for individuals and
execution by the bank style="mso-spacerun:yes"> obligations before contributors.
At the same time the bank must notify to all
contributors about their withdrawal from the deposit insurance style="mso-spacerun:yes"> (in ed.
Federal Law style="mso-spacerun:yes"> December N 270-FZ-Assembly
Laws of the Russian Federation, 2008, N 52, article 6225);
3) termination of the bank's activities in connection with its reorganizing
(excluding reorg in form) (in
Federal Law style="mso-spacerun:yes"> December N 270-FZ-Assembly
Laws of the Russian Federation, 2008, N 52, article 6225).
4. Information on bank registration and exclusions
bank from the specified registry is subject to Publish to the
The Bank of of the Bank of Russia style="mso-spacerun:yes"> and "Russian newspaper". Order of Maintenance
The Agency registry is set by the Agency.
5. The Agency sends to the bank information about its inclusion in
banks registry and about excluding from of the registry,
Calculating and contributions later style="mso-spacerun:yes"> daytime
following day of relevant decision by the Agency, a
also regularly provides style="mso-spacerun:yes"> bank other required information about
deposit insurance system.
6. The bank's account style="mso-spacerun:yes"> and deregleds from
there is no deposit insurance.
Article 29. Receipt of the Agency's records of banks and other
information
1. Composition of banks and other information, sent
Bank of Russia to the Agency, and directions are defined
The Bank of Russia, in agreement with the Agency.
2. On banks ' participation in deposit insurance
to the right based on a motivated request in Written
form to receive from banks explanation, for information about
paid by insurance banks Contributions, Maintenance of Accounting and Formation
registry liabilities of before contributors, about obligations
before style="mso-spacerun:yes"> other duties on
this Federal Law.
explanations are sent by banks in Agency within 15 days
day of the corresponding request, if Agency
is defined differently.
Article 30. Agency and Bank Interop Order in
whose relationship is an insurance case
1. The bank in respect of which the insurance occurred in
7-day of with of this event
represents in The bank's commitments before
depositors confirming cash in deposits
Insurance in Federal
law
2. After the day of the bank's registry view
depositors in The and before by the arbitration court
finalizer definition or completion
forced liquidation credit of the organization, in the introduction
The Bank of Russia moratorium on CreditorsRequirements
bank before the end of the specified moratorium is required
deposit bank commitments to depositors with changes to in
{ \cs6\f1\cf6\lang1024
}
1) when making a mismatch between the included
actual state of the bank's mutual commitments and
contributor on style="mso-spacerun:yes"> the of the cases to be
reflection in bank liability to depositors;
2) upon termination (in whole or in part) after offensies
insurance case of commitments in the registry of commitments
depositor bank;
3) when altering savers information, to be reflected in
registry of bank commitments to contributors.
(Part 2 in Federal Law December 22, 2008 N
270-FZ-Russian Federation Law Assembly, 2008, N
52, st. 6225)
2-1. Changes, entered by the bank in the bank's registry liabilities
before contributors, are sent to in Agency
specified changes in order, to be installed by the Agency, , and deposit repayments (Part 2-1 introduced by Federal Law from 22 style="mso-spacerun:yes"> December 2008 N
270-FZ- Collection of Russian legislation, 2008, N
52, st. 6225).
3. The Agency has the right to request and in the bank, in
relationship of which has reached style="mso-spacerun:yes"> case, additional
information, in number style="mso-spacerun:yes"> copies of documents, if
specified by the bank in the compliance with Parts 1 and 2 of this Article
information is not sufficient for payment
reparations for deposits. style="mso-spacerun:yes"> Bank, for
insurance case, is required to provide the Agency with the required information
in current three days on the appropriate
Agency query.
3-1. Agency for included in commitment registry
bank before contributors style="mso-spacerun:yes"> is free to query
bodies, of implementing public registration of rights,
information, confirming The fact of the state
registering real estate style="mso-spacerun:yes"> deals with
state on day the event of the case. Order
query directions and information
set by the federal by the authority in the state
registering with reconciliation style="mso-spacerun:yes"> Agency (part of 3-1 was entered
Federal By Law style="mso-spacerun:yes"> December N 432-FZ-Assembly
Laws of the Russian Federation, 2014, N 52, article 7543)
4. The Agency informs the bank on a weekly basis
is an insurance case, information about of this bank,
compensated for deposits, amounts paid by the Agency, and
also about deposits that were reimbursed for deposits.
Article 31. Service, Commercial and Bank Secrecy
1. The Agency has the right to receive information
service, commercial , and bank bank, in relation
which is an insurance case, required for the implementation
features set by this Federal Law.
2. The must provide to the known
about operations style="mso-spacerun:yes"> bank, in
Insurance case, on accounts and deposits, about its financial status,
a also Other commercial and bank
secret of the specified bank, at the request of the court, as well as the Bank of Russia.
3. In the event of disclosure by the Agency or its officials
information, of the Commercial and banking
secret, Agency style="mso-spacerun:yes"> with
Russian Federation reimbursed damages to the person, rights
which has been violated.
Article 32. Participation of Agency employees in banks ' audits
The Bank of Russia attracts the in
banks by questions, about the structure
liabilities of these banks style="mso-spacerun:yes"> before contributors, insurance
contributions, and also style="mso-spacerun:yes"> other different duties
currently installed by this Federal Law.
Chapter 5: Deposit Insurance System Financial Framework
Article 33. Required Deposit Insurance Fund
1. The Deposit Foundation is a collection of
money and property, to which
is used according to this Federal Law.
2. The Insurance property of belongs to
Agency on the right of ownership and is intended for Funding
reimbursements for deposits in order and for conditions
is set by this Federal by law,
financing other activities, of the federal target
laws (in style="mso-spacerun:yes"> Federal Law May 7, 2013 N 81-FZ-
Russian Law Assembly, 2013, N 19, st.
2308)
3. The { \b } { \b } { \cs6\f1\cf6\lang1024 }
other Agency property style="mso-spacerun:yes"> Insurance
deposits are kept separate.
4. Cash Deposit Insurance Property
is accounted for especially the Agency's opening in
Russia. Bank of Russia style="mso-spacerun:yes"> does not pay interest on cash balances
funds in this account.
5. The deposit insurance fund cannot be
collection of by Russian Federation
constituent entities of the Russian Federation, municipal entities, Banks,
other third parties, and the Agency, except in cases when
commitment of the Agency in with
responsibilities for payment of compensation on deposits. style="mso-spacerun:yes"> for
required insurance coverage
Agency, encountered in Links with by the Agency
responsibilities by style="mso-spacerun:yes"> refunds
only on the basis of a judicial act.
6. The mandatory deposit insurance funds can be
used by the Agency for execution on the credit,
provided by the Bank of of the Russian Federation compliance with part 2-1 of the article
41 of this Federal of the Law (part of 6 introduced by the Federal
Law of December 2, 2013. N 335-FZ-Legislative Assembly
Russian Federation, 2013, N 49, , 6336).
Article 34. Sources of forming a mandatory fund
deposit insurance
The deposit insurance fund is formed by:
1) insurance premiums, paid in accordance with this
Federal Law;
2) Foams for late and/or incomplete payments style="mso-spacerun:yes"> insurance
contributions;
3) of cash and other , received by from
satisfaction rights Agency requirements ,
contribution reimbursement results;
4) Federal budget in cases
true Federal Law;
5) income from investing temporarily free funds style="mso-spacerun:yes"> Foundation
the required deposit insurance (in this form). Federal Law of 29
December 2010 N 437-FZ- Russian Law Collection
Federation, 2011, N 1, article 49);
6) of the original contribution in line with
Article 50 of this Federal Law;
7) Other Sources,
Russian legislation Law
dated April 2, 2014. N 41-FZ-Legislative Assembly Russian
Federation, 2014, N 14, st. 1533)
Article 35. Insurance contributions
1. Insurance contributions are payable by the from of
bank in registry banks and before the license revocation (revocation) day The Bank of Russia or to days The bank in the registry of in matches with 2 and 3 28 of the present
Federal Act (as of December 22) 2014
g. N 432-FZ-Assembly of Russian legislation, 2014,
N 52, st. 7543)
2. The first payment for Contributions
recognizes the period from the date of the bank's to The Registry before
ending calendar inclusive, in which the bank was
entered inventory of banks.
3. Introduction by the Bank of the Russian Federation of the moratorium on satisfaction
Bank creditors style="mso-spacerun:yes"> suspends bank responsibility
pay insurance premiums for the duration of the specified stay.
It is the bank's responsibility to pay insurance premiums for the calculation period,
in The of which style="mso-spacerun:yes"> has been introduced , inclusive
day before this moratorium was introduced.
Article 36. Method of calculation and payment of insurance contributions
1. Estimated Period for payment of insurance premiums is
calendar quarter of the year.
2. Counter-insurance base (further -
estimated base) is defined by average for
estimated period for daily balance sheet balances on
deposits, for excluding money in deposits, that is not
Insurance in Federal
law
3. foreign currency's daily Balance
remainder of is defined in the currency of the Russian Federation official
course to be set by the Bank of Russia every day.
4. The base premium rate cannot be greater than 0.15
percentage of estimated base for the last (in
Federal Law style="mso-spacerun:yes"> December N 432-FZ-Assembly
Laws of the Russian Federation, 2014, N 52, article 7543)
5. In the cases provided for by the present Federal
base rate of the insurance can be increased to 0.3
percentage of estimated base, but no more than two estimated periods in
within 18 months (ed.) of the Federal Act of 22 December style="mso-spacerun:yes"> 2014
g. N 432-FZ-Assembly of Russian legislation, 2014,
N 52, st. 7543)
6. The base premium rate may not exceed
percent of base the of the next
estimated period, in the money of the fund
mandatory insurance deposits, includes money
invested by the Agency in order,
Federal Law, will exceed 5% of the overall amounts of in
banks (in Federal Act of 22 December 2014. N 432-FZ-
Russian Federation Law Assembly, 2014, N 52, st.
7543).
7. Basic, advanced, and advanced rates
premiums are determined by the director of the Agency
applies to the estimated base, the part of 2 of this
articles. premium changes style="mso-spacerun:yes"> rates
insurance contributions enter days after Commit
corresponding decision (in this article of the Federal Law of 22 December-December
2014. N 432-FZ- Russian National Assembly (Russian Federation)
2014, N 52, article 7543)
7-1. The base premium rate is fixed in one
for All Banks style="mso-spacerun:yes"> and are paid by all banks.
Additional premium rate is set to
for All Banks style="mso-spacerun:yes"> 50 percent of the base rate.
Increased additional premium rate is installed
in a single for banks with no more than 500 percent base
Rate (part 7-1 of December 22, 2014)
N 432-FZ-Russian Federation Law Assembly, 2014, N
52, st. 7543)
7-2. For , targets for paying banks
extra or the extra bet
Insurance premiums, Bank
defines the base yields style="mso-spacerun:yes"> contributions, attracted in
Russian Federation and Foreign Currency, by average
from expandable style="mso-spacerun:yes"> maximum circles
interest rates on deposits in banks, attracted by collections
two thirds of the total of the in the Russian banks
Federation, in relation contributions that correspond to the conditions,
specific act of For the purposes of the estimate
base rate of return on deposits (Part 7-2 introduced by Federal
Act of December 22, 2014. N 432-FZ-Assembly in legislation
Russian Federation, 2014, N 52, est. 7543)
7-3. Base rate of return on deposits per contribution in
Currency Russian Federation style="mso-spacerun:yes"> and foreign currency monthly
specified in order, Bank rule
Russia, disclosed by Bank to the circle for the circle
reaches banks no later than three working days style="mso-spacerun:yes"> to
every month (part 7-3 introduced by federal law from 22
December 2014 N 432-FZ- Russian Law Collection
Federation, 2014, N 52, st. 7543)
7-4. Additional contribution rate is paid
banks that have raised at least any quarter of the quarter
single contribution or conclusion contract of the clause
bank contribution on style="mso-spacerun:yes"> a contribution yield, in
itself the interest payments and other material benefits, in ,
more than for two, but not more than 3%
annual base level , yields defined
Russia Bank
Russian Federation or foreign (part of 7-4 )
Federal By Law style="mso-spacerun:yes"> December N 432-FZ-Assembly
legislation Russian Federation, 2014, N 52, st. 7543,
parts are applicable as of July 1, 2015).
7-5. Increased additional premium rate
paid by banks in case or if:
they have been involved in any month of the one
Contribution or style="mso-spacerun:yes"> contract
bank contribution on returns in
itself the interest payments and other material benefits, in ,
more than in three percentage of the annual base
yield yield style="mso-spacerun:yes"> Russia-specific for
corresponding month for deposits in currency Russian Federations
or foreign currency;
financial position style="mso-spacerun:yes"> banks matches
Bank of of Russia the criterion for
additional bet.
(Part 7-5 introduced by the Federal Act of 22 December 2014. N
432-FZ-Assembly of Russian legislation, 2014, N
52, st. 7543, paragraph positions first and second used from 1
July 2015, 3rd paragraph positions apply with 1 January
2016)
7-6. Order of other material benefit of
yield definition of contribution is set by the act
Bank of Russia (part 7-6) introduced by Federal Law from 22 style="mso-spacerun:yes"> December
2014. N 432-FZ- Russian National Assembly (Russian Federation)
2014, N 52, article 7543)
7-7. The bank's financial position is estimated by the Bank of Russia
Reason:
1) metrics from style="mso-spacerun:yes">
true Federal Metric Law;
2) Availability style="mso-spacerun:yes"> the relation of the measure style="mso-spacerun:yes"> in
constraint on implementation style="mso-spacerun:yes"> individual operations, and (or)
the interest rate limit that the bank defines
in bank deposit contracts, and (or) of the ban
individual banking operations,
Banking, , and (or) Open
branches.
(Part 7-7 of the Federal Law of December 22, 2014. N
432-FZ -Collection of Russian legislation, 2014, N
52, st. 7543)
7-8. The financial of the bank
corresponding criteria for increased payment
premium rates of contributions, in the number of composition and calculation method
metrics, used for financial position
set normative by the act Bank of Russia (part 7-8)
Federal Act of December 22, 2014 g. N 432-FO - Collection
Laws of the Russian Federation, 2014, N 52, article 7543)
8. insurer
is published in the Bank of Russia's Herald and the Rossiyska-Russia newspaper.
later than in five days from days its commit (in
Federal Act of December 22, 2014 g. N 432-FO - Collection
Laws of the Russian Federation, 2014, N 52, article 7543)
9. The calculation of the base
Agency. In style="mso-spacerun:yes"> of the specified order change
Calculating Calculation of the should be used for with next
estimated period. When this new calculation order of calculation
must be notified to banks no later than 30 days style="mso-spacerun:yes"> to
start of new calculation period.
10. Setting additional and advanced additional
Rate of Insurance in of the bank is implemented
Agency based on information by the Bank of Russia in
compliance with Part 8 of Article 27 of this Federal law
About and additional or
high additional rates
Agency to Bank no later than the 20th of the second month of the quarter,
next per calculation period (in the [ [ Federal Law]]) 22
December 2014 N 432-FZ-Russian Law Assembly
Federation, 2014, N 52, st. 7543) 11. contributions do not
last working day of the second month for the next for
estimated period, by money
Agency in the Bank of Russia, for which money is accounted for tools
the mandatory deposit insurance fund (in the Federal Law
of 22 December 2008 N 270-FZ - Collection legislation
Russian Federation, 2008, N 52, st. 6225; Federal Act of
December 22, 2014. N 432-FZ-Legislative Assembly Russian
Federation, 2014, N 52, st. 7543)
12. The contribution payment insurance premiums count
Bank with the style="mso-spacerun:yes"> money style="mso-spacerun:yes"> c
Bank of Russia'scorrespondent accounts
13. In case of disagreement with the bank with respect to
additional or enhanced additional insurance rate
contributions in Current days dates for from The Agency
information specified in Part 10 of this article may be accessed
in the Bank of Russia style="mso-spacerun:yes"> its to Banks,
paid additional or high additional rate
premiums, in order, by the normative
Bank of Russia. Following the bank's examination of the Bank's application, the Bank Russia
in 15 days date of the specified motions
routes in The Agency changes to previously directed information
compliance of bank criteria for additional or
increased of the additional rate or informs the bank and Agency
in satisfaction bank requests. If
Agency changes to earlier directed results in
changes the premium amount, to be paid, Agency
informs about this concerned bank and Bank of Russia during
five working days from the date they were received from the Bank of Russia. Direction
Bank of Russia does not exempt bank from job
the payment of an insurance contribution within the time frame specified in Part 11 of this
Articles. Sum of unnecessarily paid contributions (s)
estimated period to be credited to The debt account
contributions style="mso-spacerun:yes"> (foams) for other calculation periods or count
forthcoming payments or in
conformity with style="mso-spacerun:yes"> 35 of the Federal
responsibilities of the bank to pay insurance premiums (in Federal
law of December 22, 2014. N 432-FZ-Legislative Assembly
Russian Federation, 2014, N 52, st. 7543; Federal Act of
13 July 2015 g. N 229-FZ-Legislative Assembly of Russian
Federations; 2015, N 29, est. 4355)
14. insurance premiums are paid in
Russian Federation. 15. The pay of insurance premiums are automatically suspended banks from the calculation period next to the calculation period, in which amount of money mandatory insurance funds deposits, including cash, invested by the Agency in order, established by this Federal Law, will exceed 10 % of total bank deposits. 16. The contribution payment automatically resumes banks from the calculation period next to the calculation period, in which amount of money mandatory insurance funds deposits, including cash, invested by the Agency in order, of the the Federal Federal less than 10% of total bank deposits. Article 37. Enforcement of the duty to insurance premiums 1. For untimely or incomplete payment of insurance premiums banks that have committed the specified violation pay penalties. 2. PEN-PEN is recognized as fixed by this article:
sum, the bank must pay insurance premiums in
case of the last to a later than date,
set by true federal law, dates.
3. has the authority to demand from banks style="mso-spacerun:yes"> make
to list unpaid insurance premiums and accrued foam style="mso-spacerun:yes"> and
Inform the Bank of Russia of the failure to pay.
4. Pines are charged for calendar style="mso-spacerun:yes"> overdue
beginning from the day, insurance day due
contributions.
5. Penings for each calendar day delay are set in
percentage of timely unpaid contribution amounts
Percentage The rate of the one calendar of the delay day
matches Bank of Russia refinancing rate in effect
corresponding period divided by 360 calendar days.
6. Recovery of non-executed monetary liabilities
by to pay insurance premiums style="mso-spacerun:yes"> contributions, from
Judicial Authority. Indicated Money style="mso-spacerun:yes"> amounts to
enlistment to with the money of the fund
mandatory deposit insurance.
Article 38. (Uspent force on under the Federal Act
29 December 2010 N 437-FZ-Legislative Assembly Russian
Federation, 2011, N 1, article (49)
Article 39. Funds expenditure directions
Mandatory Deposit Insurance
The money of the contribution insurance
routed by the Agency to:
1) funding and expenses
related features of mandatory insurance
contributions;
2) Creating and activity funding
Nonprofit organization, the depositor protection fund, including
cost of professional insurers
cases, of Federal Law
" About peculiaritiesfinancial The cities of the Republic
Federative value of Sevastopol per transition period ";
3) Other purposes in accordance with federal laws.
(Article 39 Federal Law of 2 April 2014 N
41-FZ-Collections of Russian legislation, 2014, N 14,
1533)
Article 40. Financing Agency costs
1. Agency expenses for events, related
activity on the required and
exercising other functions provided by Federal Law "
banks and Bank activities ", Federal " Oh
Securing Rights Insured Mandatory
pension Insurance The Russian Federation when it is formed and
investment of ) and
payments for savings account account of savings
Federal Law " On insolvency (bankruptcy) ", others
federal laws financed by the Agency's property (in
The Federal Law of December 28, 2013
Fred. N 410-FZ-Assembly
legislation Russian The Federation, 2013, N 52, st. 6975;
Federal Act of December 22, 2014 g. N 432-FO - Collection
Laws of the Russian Federation, 2014, N 52, article 7543)
2. of the property
financing activities,
Agency federal by law, and with implementation
other features, of the Federal < Banks
banking activities ' and the Federal Law on Insolvency
[ bankruptcies]], are funded by clause
Board of directors of the Agency from the contingency fund Governments
Russian Federation. Federal Act of 22 December 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225; Federal Act of 28 December 2013 N 410-FZ
Law Assembly of the Russian Federation, 2013, N 52, st.
6975.
Article 41. Ensuring financial sustainability of the system
deposit insurance
1. Financial Deposit Insurance
property Agency, Federal funds
budget in order and on conditions that are set to
Federal By Law and budget Russian legislation
Federation, , and loans, By the Russian
with part of 2-1 of this article (in the Federal
Act of 2 December 2013 N 335-FZ- Legislation Collection
Russian Federation, 2013, N 49, est. 6336).
2. To ensure financial sustainability of the insurance system
federal deposits the budget law
corresponding year is the right of the government Russian
Federation to issue budget loans and implement Borrowing,
limit for specified borrowings, and limit size
corresponding federal budget expenses (in Federal
Act of 29 December 2004 N 197-FZ-Assembly style="mso-spacerun:yes"> legislation
Russian Federation, 2005, N 1, st. 23).
2-1. of the financial stability systems
Insurance of deposits, and for of reimbursement of reimbursements
The directors of{ \b } The Management Proposal
Agency to the right style="mso-spacerun:yes"> Russia request
providing a loan to the Agency without security for style="mso-spacerun:yes"> to
years (part of 2-1 introduced by Federal Law of December 2, 2013) style="mso-spacerun:yes"> N
335-FZ-Assembly of Russian legislation in the Russian Federation style="mso-spacerun:yes"> 2013, N
49, article 6336).
3. In case of confirmation by the Board of Directors of the Agency
Agency Board of unable to Reparations
in Installed by Federal Law Without
the fund of the Mandatory for account
additional funds (excluding insurance premiums and
)other projected receipts)
Agency directors, not greater than seven calendar days after
insurance case, takes one of the following solutions:
1) address the Government of the Russian Federation style="mso-spacerun:yes">
o allocation to the Agency style="mso-spacerun:yes"> related as
budget credit, if calculated by the Agency deficit
mandatory deposit insurance not more than 1 billion
rubles. The government The Russian Federation
corresponding solution in , not more than seven calendar
days Federal Act of December 29, 2004 style="mso-spacerun:yes"> N 197-FZ-
Russian Federation Law Assembly, 2005, N 1, st. 23);
2) address the Government of the Russian Federation style="mso-spacerun:yes">
o allocation to the Agency style="mso-spacerun:yes"> additional moneyfrom
federal budget, if Agency-calculated
shortage of for required deposit insurance exceeds 1 billion
. If you cannot allocate the specified funds, the Government
Russian Federation in
State Duma Federal Russian Collections
federal law appropriate changes to
federal budget law for corresponding
, not greater than seven calendar days from days get
Appeals Board of Directors.
4. Mandatory insurance
Contributions by the Agency's Board of Directors may style="mso-spacerun:yes">
rate of insurance premiums style="mso-spacerun:yes"> matches with this Federal
law
Article 42. Monitoring the operation of the insurance system
deposits
1. Control for the operation of the deposit insurance system
is implemented by the Government of the Russian Federation and the Bank
through participation of their representatives in Agency controls. 2.
defines an audit organization for testing
using the Mandatory Deposit Insurance Agency.
3. Control for spending of the federal budget
directed in contributions
executed in order, defined for use
federal budget.
Chapter 6: Banks participation in deposit insurance system.
Final clauses
(name of chapter in Federal Law of 22 December 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225)
Article 43. Tasking considerations on the system
Deposit Insurance for Banks
Bank of Russia on the date of entry into force of this
Federal Law
1. Bank, with permission of the Bank of Russia on the day of entry into force
The strength of this Federal Law, is placed on the
Insurance of deposits by the Agency in the Register of Banks
on the basis of a notification from the Bank of Russia to give them a positive
Requirements, installed article
44 of this Federal Law (hereafter referred to as requirements for style="mso-spacerun:yes"> in
deposit insurance system).
2. The Agency brings the bank to the bank registry no later
working day since the Bank of Russia's notification, specified
Part 1 of this article.
3. The contributions of to the bank, having the Bank of Russia's permission for the day
in style="mso-spacerun:yes"> of the Federal of the law,
insurance in accordance with this Federal Law,
{ \field { \cs6\f1\cf6\lang1024}Deposit Insurance{ \cs6\f1\cf6\lang1024
}
Article 44. Requirements for participation in the deposit insurance system
banks
(name in red. Federal Act of 22 December 2008
N 270-FZ-Collection of Russian legislation, 2008, N
52, st. 6225)
1. Bank, applying for the permission of the Bank of Russia
is recognized to match requirements for in on the system
Insurance for at conformance at the same time
conditions (in the Federal Act of 22 December 2008 N 270-FZ
Law Assembly of the Russian Federation, 2008, N 52, st.
6225; of the Federal Act of December 2, 2013. N 335-FZ-Assembly
Russian legislation, 2013, N 49, art. 6336):
1) if and bank
Bank of Russiadependable;
2) if the bank executes the required rules, installed
Bank of Russia;
3) if the bank's financial stability is recognized by the Bank Russia
sufficient;
4) if the measures, article 74 of the Federal Law
The Central Bank of the Russian Federation (Bank of Russia),
20 Federal of the Act style="mso-spacerun:yes"> banks and banking
Article 189-9 of the Federal insolvency law
(bankruptcy) ", does not apply to the bank. Federal Law
22 December 2008 style="mso-spacerun:yes"> g. N 270-FZ - The legislation
Russian Federation, 2008, N 52, st. 6225; Federal Act of
December 2, 2013 N 335-FZ-Legislative Assembly style="mso-spacerun:yes"> Russian
Federation, 2013, N 49, st. 6336; Federal Act of 22 December
2014. N 432-FZ- Russian National Assembly (Russian Federation)
2014, N 52, article 7543);
5) If style="mso-spacerun:yes"> respects The Bank of Russia Order
disclosure unbounded
control or whose significant impact is the bank (paragraph
5 has been introduced by Federal Law from 2 December N N
Assembly Legislation of the Russian Federation, 2013, 49, st.
6336)
2. Accounting and bank's accounts are recognized by the [ [ Bank]] style="mso-spacerun:yes"> Russian
true if at the same time:
1) Bank accounting and reporting correspond to federal laws
norms and rules established by the Bank of Russia, own account
bank policy;
2) Possible disadvantages of or in in
bank statements not are affected by significant image
financial sustainability.
3. Bank of Russia's financial stability is assessed by the Bank of Russia
next groups of style="mso-spacerun:yes"> with by each
generationa result and attribution of the estimates
'satisfactory' or 'unsatisfactory':
1) Private Equity Group (Capital), includes
indicators of capital adequacy and quality;
2) style="mso-spacerun:yes"> assets, includes metrics
characterizing quality loans and other assets, completeness
formed under reserves and Risks
concentrations;
3) measure yields, including ,
characteristic profitability assets and in capital,
revenue and expenses, individual operations yields, and of the bank style="mso-spacerun:yes"> in
target;
4) style="mso-spacerun:yes"> liquidity, including ,
characterizing short, medium and long-term
liquidity position, a Also the risk in in relation
major creditors and contributors;
5) Group style="mso-spacerun:yes"> bank control, including
metrics that characterize the risk management system, status
internal control, in in
legalization (laundering) of revenues, style="mso-spacerun:yes"> criminal by, , and
Terrorist Financing and Quality of Business Planning
6) A group of indicators on the transparency of ownership structure.
(Part 3 Federal Law of 2 December 2013 N
335-FZ -Collection of Russian legislation, 2013, N
49, article 6336)
4. The financial bank is recognized by the Bank
sufficient if style="mso-spacerun:yes"> ratings "satisfactory"
generationing by from metrics
Part 3 of this Articles (in Federal
law of December 2, 2013 style="mso-spacerun:yes"> n 335-FZ-Legislative Assembly
Russian Federation, 2013, N 49, est. 6336).
5. The financial methodology of the bank's including
how to assign to of each of groups
financial sustainability of the rating "satisfactory" or
'unsatisfactory', unbounded circle order
faces, or control
{ \cs6\f1\cf6\lang1024
} Bank{ \cs6\f1\cf6\lang1024
} is set by the regulations of the style="mso-spacerun:yes"> Bank
Russia (ed.) of the Federal Law of December 2, 2013. N 335-FZ-
Russian Law Assembly, 2013, n 49, st.
6336)
6. To evaluate the bank's accuracy and accountability,
for facts to establish facts, bound by definition
bank compliance to participation in in the system
deposits and cannot be obtained by documentation Analysis
bank reporting and (or) on Docum
details, received from Bank, Bank of the Russian holds in a bank,
extraditing permissions of the Bank of Russia, subject
inspection check, for if specified
questions already investigated style="mso-spacerun:yes"> bank checks
completed no earlier than three months before the request was submitted
o Issuing permissions style="mso-spacerun:yes"> Bank of Russia These cases results
checks are considered at the requests for
permission from the Bank of the Russian Federation. style="mso-spacerun:yes">
verification is not subject to the fifth and sixth parts articles
73 Federal Law "On the Central Bank" style="mso-spacerun:yes"> Russian Federation
(Bank of Russia) " (Part 6 is introduced Federal Act of 2 December
2013
. N 335-FZ- Russian National Assembly (Russian Federation)
2013, N 49, st. 6336).
Article 45. (Uspent force on under the Federal Act
December 2, 2013 N 335-FZ-Legislative Assembly style="mso-spacerun:yes"> Russian
Federation, 2013, N 49, st. 6336)
Article 46. (Uspent force on under the Federal Act
December 2, 2013 N 335-FZ-Legislative Assembly style="mso-spacerun:yes"> Russian
Federation, 2013, N 49, st. 6336)
Article 47. (Uspent force on under the Federal Act
December 2, 2013 N 335-FZ-Legislative Assembly style="mso-spacerun:yes"> Russian
Federation, 2013, N 49, st. 6336)
Article 48. The Banks Rights included in the Registry
banks, funds deposits
of physical persons and on opening and maintaining banking
Individuals ' Accounts
(name in Federal Act of 2 December 2013
N 335-FZ-Assembly of Russian legislation, 2013, N
49, article 6336)
1. The right of banks included in the banks ' registry to be included in the
cash deposits of and opening and
bank's accounts of individuals to be terminated if present
one of the following:
1) counting and bank repeatedly in the year
The Bank of Russia is untrustable;
2) The bank does not perform one or both for six consecutive months that
same mandatory normalization from set by Bank in
order, of a specific Federal The Central
Russian Federation (Bank of Russia) ", except for style="mso-spacerun:yes"> if
non-compliance caused by a change in in the current
six months prior to failure to fulfill a mandatory requirement
methodology of its calculation. Non-execute of the guideline in
reporting month is a cumulative violation of six and
more days of this month;
3) measure property structures
is evaluated as unsatisfactory during three months
Contract;
4) style="mso-spacerun:yes"> bank control, including
metrics that characterize the risk management system, status
internal control, in in
legalization (laundering) of revenues, style="mso-spacerun:yes"> criminal by, , and
financing of terrorism, also business planning quality,
is evaluated as unsatisfactory for three consecutive months;
5) bank is not style="mso-spacerun:yes"> The Russian Order
disclosure unbounded
control or significant effect of which bank, in
three months in a row.
(Part 1 in the Federal Act of December 2, 2013
335-FZ-Assembly of Russian legislation in the Russian Federation style="mso-spacerun:yes"> 2013, N
49, article 6336)
2. Bank of Russia in accordance with
The Federation controls the presence of the banks ' conditions, specified in parts 1 of this article. Information about the recognition bank
The Bank of Russia's Disclosure Order of Unlimited
information about faces, under control, or significant impact
bank, and reporting untrusted,
one or more required standards not implemented, a
also about assignments poor evaluation of group of indicators
transparency of ownership structure and (or) metrics group
Quality of Management style="mso-spacerun:yes"> Russia before the bank in
order, established by Bank's regulations style="mso-spacerun:yes"> (in
Federal Law style="mso-spacerun:yes"> 2 December N 335-FZ-Assembly
Russian legislation, 2013, N 49, art. 6336).
2-1. Existence of from banks of the conditions specified in Part 1 of this
Articles, is set by the Bank Russia
or on implementation analysis of reporting
bank, as well as Document Docs
from of the bank. style="mso-spacerun:yes"> if facts (circumstances) in
bank activity, that indicates conditions,
Part 1 resolves to
consideration of by the Bank of Russia style="mso-spacerun:yes"> taboos
Attracting in physical persons and the opening
bank accounts of individuals, grounds for termination style="mso-spacerun:yes"> rights
banks in attracting to deposits of natural persons and
to open and maintain bank accounts for individuals
(Part 2-1 ) style="mso-spacerun:yes"> Federal by the law of 2 December 2013
335-FZ-Assembly of Russian legislation in the Russian Federation style="mso-spacerun:yes"> 2013, N
49, article 6336).
3. Bank of Russia in detection of conditions under Part 1
real articles, in compliance with a Banking Committee decision
Supervision of Bank of Russia has to send request for view
included in the bank register, requests for termination of the right
to attract money
opening and maintaining bank accounts for individuals and entering a ban
to engage individuals and open
bank accounts of individuals (in Federal Act of 2
December 2013 N 335-FZ- Russian Law Collection Federation, 2013, N 49, st. 6336). 3-1. Prohibition of Attracting in Money tools physical faces and bank physical accounts
envisaged Part 3 style="mso-spacerun:yes"> s before
confessions in order, established by the Bank's regulatory act Russia,
Bank of Russia in in contributions
money for individuals and for opening and maintenance (...) (...)
accounts of individuals, available from The bank, in in the registry banks, , or before the day of revocation Bank of Russia
banking transactions (part of 3-1) style="mso-spacerun:yes">
Law of December 22, 2008 N 270-FZ-Assembly in legislation
Russian Federation, 2008, N 52, 6225; in the red. Federal
law of December 2, 2013 style="mso-spacerun:yes"> n 335-FZ-Legislative Assembly
Russian Federation, 2013, N 49, est. 6336).
3-2. (Part 3-2 introduced by Federal Law of 22 December 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225; invalid force on the basis of Federal Law
of 2 December 2013 N 335-FZ - Collection legislation
Russian Federation, 2013, N 49, est. 6336)
3-3. (Part 3-3 introduced by Federal Act of 22 December 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225; invalid force on the basis of Federal Law
of 2 December 2013 N 335-FZ - Collection legislation
Russian Federation, 2013, N 49, est. 6336)
3-4. (Part 3-4 introduced by Federal Law of 22 December 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225; invalid under federal law of 2
December 2013 N 335-FZ- Russian Law Collection
Federation, 2013, N 49, st. 6336)
4. The bank, in relation to with the style="mso-spacerun:yes">
real has been introduced style="mso-spacerun:yes"> Russia
Individuals ' deposits and opening of bank accounts
physical faces, style="mso-spacerun:yes"> in from the day of introduction
specified prohibition to be forwarded to the Bank of Russia in the order established
{ \cs6\f1\cf6\lang1024
} Bank of Russia { \cs6\f1\cf6\lang1024 } application for termination of law
to work with deposits. Federal Act of 22 December 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225; Federal Act of 2 December 2013 N 335-FZ-
Assembly Legislation of the Russian Federation, 2013, 49, st.
6336);
5. Bank deposit or contract of an account bank
prisoners a bank with individuals until the day of introduction specified
Bank ban of Russia, not to be avoided, for exceptions
case of the owner of the (accounts) with on
Avodiation of the corresponding contract. More Money
funds received by style="mso-spacerun:yes"> (count) from the introduction
Bank of Russia of the specified restrictions, for
accrued according to the terms of the banking contract contribution
or bank account contracts, are not credited and are subject to check box
persons who have given the o money in
(on account) or by declaration Individuals are listed in
order, by the Bank of Russia, to the same physical
person, open in friend counting on the system
Deposit Insurance (under Ed. of the Federal Act of December 22, 2015) 2008
g. N 270-FZ-Assembly of Legislation of the Russian Federation, 2008,
N 52, st. 6225).
6. The banks, in of by the [ [
this article introduces a ban on in the monetary contributions
Individuals ' funds and opening bank accounts of individuals
must:
1) no later than day, next for the of thespecified
ban, publish termination information to get
cash deposits of physical
conclude with individuals new contracts bank contributions
or contracts Banking and
Enrollment of Additional Money in ( accounts), open at style="mso-spacerun:yes">
can be accessed by bank clients in style="mso-spacerun:yes">
maintaining contributors, style="mso-spacerun:yes">
Internet Information and Telecommunications Network;
2) On the day of receipt of the corresponding Bank's regulation style="mso-spacerun:yes"> Russian
to inform about the introduction of the contributions
money Physical and opening bank accounts
branches, representations, and internal structural
subdivisions of a way to get information in
day direction.
(Part 6 in the Federal Act of December 2, 2013
335-FZ-Assembly of Russian legislation in the Russian Federation style="mso-spacerun:yes"> 2013, N
49, article 6336)
7. On failure of the bank to comply with the obligations set out in parts
4- 6 of this articles, The Bank of applies to it Measures
CentralCentral
Bank of Russian Federation (Bank of Russia) ", by the Federal Law " O
banks and banking activities " and other federal laws.
8. (Part 8 has lost to the Federal
Act of 2 December 2013 N 335-FZ- Legislation Collection
Russian Federation, 2013, N 49, est. 6336)
9. (Part 9 has lost by by the base of the Federal
law of December 2, 2013 style="mso-spacerun:yes"> n 335-FZ-Legislative Assembly
Russian Federation, 2013, N 49, est. 6336)
10. Sole The of the bank's authority
money of a natural person after the day of the Bank's ban
Russia to attract money from physical persons style="mso-spacerun:yes"> and
opening bank accounts style="mso-spacerun:yes"> matches
true article, carries subsidiary liability for damages,
caused this physical on the advance of
case of the Federal Act style="mso-spacerun:yes"> (part 10
introduced Federal by law style="mso-spacerun:yes"> from 2 December N 335-FZ-
Russian Law Assembly, 2013, n 49, st.
6336)
Article 49. Return considerations for individuals ' deposits in
capitalized credit organizations
The Bank of Russia is involved in the insurance system
deposits
Return the Physical parts of amounts
defined of this Federal refunds
deposits with credit organizations whose capital is a member of the Bank
Russia, on Banking Contracts or Bank Contracts
accounts, concluded before 1 October 2004 if in specified
treaties were not style="mso-spacerun:yes"> any changes and additions after
30 September 2004 , is provided by
responsibility Russian Russian Federation by the requirements of the contributor
bank in order, provided for Article 399 of the Civil Society style="mso-spacerun:yes"> codes
Russian Federation, to January 1 2007 (under Ed. )
Act of 20 August 2004 N 106-FZ-Assembly style="mso-spacerun:yes"> legislation
Russian Federation, 2004, N 34, 100 3521)
Article 50. The property contribution of the Russian Federation
1. The property of the Federation in property
Agency is implemented by style="mso-spacerun:yes"> state
Corporation for Restructuring Credit Organizations ' 3
bln. -Ruble. Of this amount, 2 billion The funds are sent to the fund.
mandatory insurance 1 billions of rubles contributions style="mso-spacerun:yes"> for
generating sources The Agency's
costactivities, of the Federal by law,
Federal By Law style="mso-spacerun:yes"> guarantees for insured persons in
System of mandatory pension insurance of the Russian Russian Federation
and investment in pension savings,
to establish and implement payments for pension account
savings ", Federal The law of " On insolvency
bankruptcy) and other federal laws. Federal
law of December 28, 2013. N 410-FZ-Legislative Assembly
Russian Federation, 2013, N 52, st. 6975; Federal Act of
December 22, 2014. N 432-FZ-Legislative Assembly Russian
Federation, 2014, N 52, st. 7543)
2. The property contribution referred to in Part 1 of this Article,
is implemented by money The and Tools state
securities of the Russian Federation with estimation based on
cost in Current months of the in power
true Federal Law.
3. Monetary funds received by the state corporation
by restructions of the credit s
completion of events Restructuring of Credit Organizations,
passed in for with
Property of the Agency as a property contribution of the Russian Federation
Federation.
Article 51. Entry into force of this Federal Law
1. This Federal Law comes into force days
official publication.
2. The Russian Federation and The Bank of Russia style="mso-spacerun:yes"> in
ten days from the date of entry into force of this Federal
law determine for
Agency Directors
Moscow, Kremlin
23 December 2003
N 177-FZ
