ty*crPoftEarrK

llpe4napureJrbHo yrBepxAeH
Conerou [uperropoe
AO (PYCCTPOIZEAHK)
flpororor }lb 5/2015 or <25>
Yrnepx4en roAoBbrM O6rqunr
co6paHraeu aKrl[oHepoB
rrras 2015
r.
AO (PYCCTPOIZBAHK)
flporoxon }lb 1/2015-fOC or <<24>> urous2}l5 r.
${iKhfi;
flpe4ce4arenn Coeera Ar4peKropoB
d'\
/H.f.I4naqyr/
!L
ffid
ty*crPoftEarrK
roAoBorz orqET
ArcquonepHoro o6ulecrsa
(PYCCKI4fr CTPOI4TEJIbHbIfr EAHK>
rlo I,IToraM pa6orbr B 2014 r.
r. Mocrcsa
2015 r.
COAEPXTAHI4E:
crp.
J\b
HauilrenoeaHr{e
I
CneAenzs o rIoJIoxeHIaIa Banra B orpacnll
J
2.
flpuopurerHbre HanpaBJreHr,rf, AerreJlbHocru Eanra
+
3.
Or.{er coBera Ar4peKropoB o pe3yJrbrarax
p a3AeJra
s
2014 roAy no
6
4.
tr4n$opuaqus. o6 o6reivle KaxAofo rz3 r.rcrroJIb3oBaHHbIX BI,IAoB 3HepferllqecKIrx
pecypcoB
13
5.
flepcnerrzBbr
t3
6.
Or.rer o BbrrrJrare
pa3Bprws. Eanxa
nprropu TeTHbrM HarrpaBJIeHr4rM AesTeIbHo cTLI
pa3Br4Tr,rq BaHKa
ArrBr4.4eH.uoB
t4
Onacauue ocHoBHbrx (par<ropon pr4cKa, cB.fl3aHHbrx c Ae{TeJrbHocrbro Eaur<a
1A
8.
flepeueus KpynHbrx cAeJroK, coBeprxeHHrrx Baurcoru n 2014 rogy
2I
9.
flepeueus cAeJroK c 3ar{HTepecoBaHHocrbro, coBeprleHHbrx Eanxou v 2074 roSy
21
10.
Cocras rrireHoB Coeera Ir4peKTopos BaHxa
22
11
CeeAeu[g o JII{IIe, 3aHI{MarorIeM AoJrxHocrb eAI,IHoJIr,IrIHoro [crroJrHr4TeJrbHoro
14 r{JreHax KonJrerl4anbHofo I4cloJrHr,rreJrbHoro opraHa Basra
ZJ
^a
opraHa Eanra
12.
Kpurepuz olpeAeJreHurfl. v pa3Mep Bo3Harpax.4eHr.rs [penceAareux llpaereHrrs, kr
llpanneHux, Conera Ar{peKTopoe BauKa
26
CseAeH[g o co6mo,4enuv BanxoM KoAeKca KopnoparplBHofo ylpaBneHr.rs
26
r{JreHoB
1a
1.
CBEIEIJVIfl O TIONOXTEHIII4 BAHKA B OTPACJTVI
Banx ocyruecrBr-fler cBoro Ae.rrerbHocrb Ha reppr,rropr{u Poccuftcxofi (Denepa\w. Poccuficxufi
6aHroscxltfi cenrop [epenfl4Baer oAr4H r,r3 caMbrx cnoxHlrx [epr{oAoB 3a rrocJreAHee BpeMs:
co6rrrus na Yxpazue, BBe,qeHr.re ceKTopanbHbrx caHrrlzfi B ornorrreHuu poccufi.crrax 6aHros Ia
ronnanzfi co cropoHrr CILIA, EC upxgaApyrr4x crpaH npo6neurr c nr.rKBr{AHocrbro, noBbrrrreHr.re
Kmoqesofi craBKIa IIE PO, naruornufi Kpr.r3rrc r4 rrpoAonxaroq[ecr or3brBbr laqeHsuft Ha
ocyulecrBneHrre 6anroncrcofi Ae.rrrenbHocrlr y KoMMepqecKI4x 6auxon, qro orpr4rlarenbHo
cKa3blBaercfl Ha AoBepvla rpalt4a:n r4 r,rHBecropoB K oreqecrseHHofi 6aHxoecrofi crzcrerue.
BilasHue rro6amsrrx Saxropon Ha QrzHanconyro cra6ranrnocm s PocclrIl n 2014 roAy
o cyuecTBnrJrocb rI o H ecKo.rIbKI,IM H arrpaBneHlrrM :
I-{eurr Ha HeQrr AeMoHcrpr{poBanr4 ycrofi.rznyro reHAeHrlr,rrc K cHr{)r(eHr4ro, AocrlrfHyB
MktHI4MaJIbHbrx 3HaqeHufrza frocJreAHI,Ie qerblpe roAa Ha $oue:arr,re nelr':ar gKoHoMl4qecKoro pocra
ptAa KpynHbrx rzMnoprepon neQu, a raKlr(e yKpenneHr4{ Aonnapa CIIIA.
fiaunan TeHAeHIII4{ BbI3BaJIa cHrd}KeHr4e cror4Mocrr4 py6m za2014 roA Ha 72o/o no orHorxeHr4ro K
AOJInapy u 52%o rlo orHolrreHr{ro K eBpo, ycunr4B TeHAeHrIr4ro K ocra6lenzrc, olpeAen.f,rorqyrocf
(pyn4arr,renrilJrbHbrMt4
(p
arroparrau.
Vser[qzrcs qzcruit orroK qacrHoro
xoropuft
B 3Haqr{TeJnHofi crenenz o6ycnoueH
poccrzficxoro neSrznaHcoBoto ceKTopa, B ToM rrr4cJre n Qoprr,re
rIp.f,MbIX I,IHBeoTI4III{fi, a taKrte cnpocoM Ha Harl,rr{Hyro r.rHocrpaHHyro BaJrlory. Ten4enqux Bbr3Bana
cyulecrBeHHoe yxy.4rxeHr4 e KairecrBa KpeAr4Tuux nopr$erefi 6aHnos.
Karrvr€ura,
HaKoIIJIeHI.{eM LIHocrpaHHbIX aKTITBoB
YserlzqeHue lcnro.{enofi craBKr4 Ao 17% cran eu1e oAHr4M vr3 ocHoBHbrx Qaxropon,
ctloco6creoBaBllrux 3aMeAneHrzro pocra o6rel4os KpeAHToBaHr{{ B SltranconoM ceKTope v
coKpauleHulo cflpoca Ha KpeArrrHbre npoAyKTbr co cropoHbr rrpokr3BoAcrBeHHbrx npe4upzmurfi.
B poccuftcrofi srcouoMlrKe Ha Sone caHxqufi cyrqecrBeHHo 3aMeAnrrJrcr sKoHoMr,ruecrufi pocr,
nlrpa:nnuruficr B cHrrxeHr.rz reMrroB pocra BBII s 2014 roAy Ao 0,6yo, cofJracHo
rlpelBapl4Telrnofi oIIeHKe MraHracrepcrBa oKoHoMrrrrecKofo pa3BrTrrfl. Poccuftcr<ofi (De4epaquu.
wn$n'J1ux ro r.rrofaM 2014 rola cocraBrzJra ll, yo, rrpeBbrcr.rB BepxHroro fpaHr,tqy qeneBoro
oprreHrr{pa I-{enrpalrnoro 6aHra Poccufi cxofi (De4epaqau.
Hecra6z"rnHocrb curyar\krv B ofll4caHHr,rx Bbrrrre o6lacr.sx Molrer oKa3arb BJlr,r-trHr4c Ha pe3ynbrarbr
n $uuancoBoe rroJro)Keuue Bauxa, oAHaKo, pyKoBoAcrso BaHKa crrr{Taer, rITo rrpeAnpllHnMaer Bce
ueo6xo4nuble Mepbl no rloAAep)I(aHr4ro sKoHoMr4qecrofi cra6uJrbHocrr4 B.4aHHbrx ycnoBr4.rrx.
llpeAnpr,ruuMaeMble flpanurelrcrBoM z Bauxonr Pocczrz Mepbr rro noAAepxKe r4rrorerrHoro
KpeAI4TOBaHIlt, 3af,BJIeHHbIe II.IraHbr fr0 pecTpyKTypu3arJm B€rJrroTHbx ufloTer{Hbrx ccyA u
cHIrlKeHI,Irc ypoBHg npoIIeHTHbrx craBoK B cpeAnecpounoft nepcneKTllBe, no3BoJuror
nporHo3l4poBarb craouru:aql{rc llrroreqHoro pbrHKa 14 pocr cnpoca na o6:rer<Tbr KoMMepqecxofi u
xulo ft He.rIBr,rlKr4Mo crr4.
EaHn Poccuu B paMKax rpkrHflTLrs. oleparr,rBHbrx Mep rro noAAep)KaHr.rrc ycrofivunocru
pocczficxoro Svuauconoro ceKTopa Saxrzuecru rro3BoJrrer BBoArzrb lrrorutrfi pexr{M
o6clyNl,rnanur AoJIfa, cHl4xa{ TeM caMbIM Harpy3Ky Ha KoploparuBHbrx 3aeMrrlrrKoB.
(Zu$opnaaquoHHoe rrllcbMo Eanxa Pocczu or 17 .12.2014, flucr,ua EaHra Poccvu J\b 209-T ra J\b
210-T or 18.12.2014).
flo cocroqHl4ro Ha 01.01.2015 roAa e Poccrlra ocyruecrBnf,Jrlr cBoro AesrenbHocrr 834 KpeAr4THbre
opraHI43aIIVr4'. B ToM qI4cJIe 783 6asxa z 51 ne6aHKoBcKar KpeAr{THar opraHr43arlns.B reareHr4e
ro4a 6ulz oro3BaHbl nI{IIeH3IzI{ y 73 6anxos u 13 ne6anxoscKr4x KpeIVTHr,rx oprauzsaqufi.
B 2014 roAy aKrI4Bu poccuftcroro 6anroBcKoro ceKTopa BbrpocJrLr na I8,3Yo 4o 77 ,7 rpnH. py6nefi
(c yu6roru sanlorHofi nepeoueHKu), 6e: yuera nepeorleHKr4 rrpupocr aKTr4BoB cocraBprJr 35,2yo.
Terunrt pocra KpeAI4ToBaHIa.f, ocraBarr.rcb Ha BbrcoKoM ypoBHe. llpzpocr KpeAr,rroB neQunanconrna
opfaHl43allufll,r. 3a foA cocraButr 3I,3%o lo 29,5 rpnH. py6rcft (c yuerou repeorleHKu ua l3o/o),
rlpl4pocr KpeAI{roB HaceJleHrrro - 13,8o/o lo 11,3 rpnH, py6nefi (c nepeoqeurcoft l2,5Yo). llpu eron
KarlecrBo ccyAHofo noprQenr cHr43r4Jrocb, rJraBHbrM o6pa:orr,r, ga c.r€r po3Hllrrnoro cefMeHTa.
O6teu npocpoqeHuofi :a4orlreHHocrrr rro KoploparlrBHoMy uopr(fenro 3a r4creKrrrzfi roA Bbrpoc
ua 33,9o/o, a no po3Hr4rrHoMy - Ha 5I,06yo (Ao 1,3 rpnH, py6rcft u 0,7 rpnH. py6rcir.
coorBercrBeHHo). Cpe4crna Ha cqerax KJrr{eHToB Br,rpocnIl 3a roA ua25,4Yo, a zx o6renr .4ocrrrr
43,8 rpnn. py6nefi. Pocr 4enoellroB roprzAr.rqecKzx nuq cocraButr 56,9%o Io 17 rpnH. py6left. [aNe
c nonpaBKoft Ha sanrcrHylo [epeorleHKy rrpupocr 3Tofo rrcrorrHr,rKa (fon4raponaukrfl. coeraBLut24Yo.
BxlaArr HacereHlls Bblpocnrz sa 9,4oh 4o 18,6 TprrH. py6rcit, a c nolpaBrofi na BanrorHyro
nepeolleHKy - cHlr3lrnvcb Ha 2,504. ,{on.a nua4oB B r4HocrpauHofi BaJrrore Bbrpocna c 17,4Yo lo
26,10A. flpn6unr poccuftcxux 6auxos za20\4 roA yrrana ua40,7Yo ao 589 MnpA.py6left.
MeN4y reM B orqerHoM ro4y AO (PyCCTPOIZBRHK> npoAeMoHcrpr4poBan
no3r.rrrzBHyro
AIzHaMLIKy ocHoBHbIX rloKa3areJleft 4exrem,nocrr.r, xapaKTeprr3yroqvx yBenr4qeuze 6usHeca BaHxa,
yKpell4n cBoI,I pblHor{Hbre no3r4rII,IH, flo4rnepNAeHr,reM groMy rBJrrrorc-fl rlo3]Irlrrr4, 3aHuMaeMble
Baurou na 01.01,2015 roAa rlo AaHHIIM pefiruura zu$oprraaqvoHHofo areHrcrBa <Eanxz.py> (n
cro6rax yKa3aHo r43MeHeHrle no:uqufi (+ ylyuureHr{e, - yxy4ureuue):
MECTO
pefiruure
93 uecro
IIOKA3ATEJIb
II3MEHEHIIE
103 naecro
rlo BKnaAaM SIasu.{ecxux nr4rl
no qucrofi npu6turu
1+4)
(+1 16)
263 v'ec,lo
86 rr,recro
rro peHTaoeJIbHocTI,I aKTI{BOB
no KpeII{TaM TOpUAHqeCKTAM nHrIaM
(+307)
[o KpeAlrrHovy noprdelro
6+17)
IIO AKTI4BAM
1+5)
101
B
lrecro
T4I MECTO
I50 necro
NO KAIIIITAJIY
135 nrecro
no KpeApITaM
i+8)
6+19)
Qr43Hr{eCKr4X nIIq
(+7)
B
coorsercrBl4l4 c pemeHl4eu pefirzHroBoro KoMr4rera (nporoxon Np 4412 or 23.06.2014),
[IpuHqrblM Ha ocHoBaHI4I4 rrpoBeAeHHofo ananv3a Qranauconoro cocrorHrzr, pefirznronoe
afeHrcrBo <3xclepr PA> nprzcnouno AO (PyCCTPOIZBaUX> pefiruur KpeAr.rrocrroco6Hocrz
(4onrocpouuofi xpe4urocnoco6nocru): A <Bnrconrafi yponeub KpeAprrocloco6nocrv>
flpornos no pefirnnry - cra6urbHufi, noAypoBeHt pefirunra - nropofi.
Cpox 4eficrr,nr^peitruHfa - c 11.07.2014 to 2I.05.2015.
2,ITPVIOPIITETHbIEHATIPABJIEHILfl AEflTETbHOCTI4BAHKA
OcuosHofi IIenbIo pa6oru AO (PyCCTPOIZEAHK> .sBn.rercr npoBeAeune rz6rcofi crparernz,
no3Bonsrcrleft axqnouepaM Li BKnaAqI4KaM Eanra coxpaHr4Tb BJroxeHHbre cpeAcrBa n nonyrrarb Ha
nr'rx ycroftqueHfi AoxoA aIeKBarHbIfi yponHro pr{cKa r4HBecrlrqufi. llpraopurerHbrMr4, c roqKr.r
3peHl4f, crparerl,Il4 Eaulca, flBIrflrorcfl. AMeHHo re HarrpaB rre]HLrs. 6auroecroro 6ugHeca, Koropbre
o6ecneqzearor ycrofiqlzBoe pa3Br.rrve Banra 3a cqer nonyqeHr.r.f, znr cra6znbHbrx AoxoAoB B rleJrrx
ero AanbHefiuefi KaIILITaJIII3arJrrur, z oIHoBpeMeHHo rro3BoJrrror saz6olee rroJrHo yAoBJrerBop{Tb
norpe6uocrl4 KopnoparuBHblx I{ LracrHbrx KJrrreHToB s 6aHr{oecKrzx ycnyrax caMoro BbrcoKofo
KarlecrBa. B 2014 ro4y Baur crpeMl4nct K paclrr4peHzro crreKTpa oKa3brBaeMbrx rrM ycnyr,
ynyqrx eHr,rro Kaqe crBa
o6
cnyNzn
aHr4
r
KJrr4
eHToB.
IIpnopurerHLIMLI HanpaBneHurflMrr 6aHKoecKoro 6ugueca e2014 ro4y
o
floebrmeHr4e Karrr,rraJrrr3aqrau Eanxa.
o
Pacru4peHr4e pecypcHofi 6a^:u.
o
PagBr,rrl,Ie aKTr,rBHbrx onepaqnfi.
o
CoseplxeHcrBoBaHrreKJrrreHTcKofi.noturuxu.
6ulz
cJreAyrorlr4e:
a
IT- rexsoI orr4v v r'r n S opnrauuoHHa.s 3 atrlr,rra.
Onruuus aq us. 6uzsec -npo qe cco B.
o
ConeprueucrBoBaHr4e prrcK-MeHeAlr(MeHTa.
a
P
o
ageurue Kopn oparr{BHof o yrrp aBneHr.rr
14
BHyrp eHHef o KoHTpo Jrr.
flo
sceNl HarrpaBJreHzsu 6aHxoBcKoro 6zsHeca eaNHefttttIlMl,r 3aAar{aMr4 ;lBrllorcr rroBbrrrreHr4e
AoxoAHocrl4 ocyilIecrBJrreMbrx onepaqufi rr rroBbrrrreHrre ponz Eanxa Ha pbrHKe 6anroscrr4x ycnyr
IIo coorBercrByloqeMy rlpuopr4TerHoMy HarrpaBneHr4ro. llpz erou yAensercr rroBbrrrreHHoe
BHH M aH
r,r
e
M
14
Hr4M I43 arl
yil4 p a3 nvrtHbrx
B
r4Ao B 6 aHKo s
c
rrlx
prr
c
Ko B.
OcnosHrrN{l4 HarIpaBneHI4qMr4 Ae-srerbHocrn Baura, B paMKax Koropbrx Eanr upe4Jraraer cBorrM
eHTaM 6 auro ecKlre rrp oAyKTbr n y c ny rv, rB Jr{rorcr :
o
orKpblTze I,I BeneHr4e 6anrcoecKr.rx crreroB KnIreHToB ropr4A[qecKr4x Jrr4rl, pe3I,IAeHToB ]r
Hepe3I,IAeHToB, B ToM rr[cne KpeAI{THbrx opraHrr3arluit u unauBlzAyanbHbrx rrpenlpr4nvNaarerefi s
py6nrx u r.rHocrpaHnofi eanrcre.
KJII4
.
ocYqecrBJIeHVe pacqeroB rro lopyrreHr4lo ropri.4nqecKr4x JrI4rI, B TOM rII4CJre,
ynonHoMorreHHblx oauKoe-KoppecrloHleHToB u LrHocrpaHHbrx 6auxon, v vr[AkrBkrLyanbHbrx
npeAnpl4Hl{rvrarerefi rlo IIx 6aurcoecKraM crreraM. B paur<ax AaHHoro HarrpaBneHzs Eaux npeAnaraer
cBoI,IM KJII,IeHTaM 6auroscxue [ponyKTbr, yqr4TbrBaroxlr4e norpe6nocrr4 KJrI4eHToB, TaKI4e KaK
ynpouleHl{e Aocryna K ycnyraM 3a cqer HcrroJrb3oBaHnfl.KaHaJroB nr.rcraHrlr4oHHoro o6clyNunannx,
raKrle, KaK cr4creMa KJItr4EHT-EAHK n cr4creMa I4HTEPHET-KIII,IEHT.
.
orKpbITI,Ie Ir BeAeHVe 6anxoecxnx cqeroB KJrrreHToB Srasuuecr<ux JII4II, pe3r{AeHToB H
Hepe3r4IeHToB, B py6lxx r4 rrHocrpaHHofi sanrcre.
o
ocyqecrBneHlre pacr{eroB no nopyqeHzro SzszvecKr4x nuq rro ilx 6aHxoncKr4M cqeraM;
.
ilprcraHur4oHHoe 5auKoBcKoe o6clyNunaHrae Susuuecxux nuq
( PyC C TP OIZSaUX- O Hn@iIH>. qep e3 crpaHrzrly E anxa B cerr4 I4nrepHei :
o
KaccoBoe o6clyxznaHl{e lopHAlzqecKr4x nlrq u n:HllptBkrIyiltr,Hbrx npeArrpr4Hr4tuarelefi;
.
KaccoBoe o6cnyxunaune QusuvecKr4x Jrr4rl n py6n-ax r4 r.rHocrpaHHofi nalrore;
.
ocYqecrBJleHple [epeBoAoB AeHexHbrx cpeAcrB rro [opyqeHr4ro (fusuuecr<ux lHq 6es
orKpbrrt4-s 6anKoecxux cr{eroB ;
e
[oHexHble oKcrlpecc-nepeBoAbr 6e: omprrrvfl. c-uera c I4crroJrb3oBaurzeM nJlarexHbx
cl4creM Western Union, 3ororas KopoHa, IOHI4CTPtr4M, CyberPlat.
.
I4HKaccaIJvrs. AeHexHbIX cpeAcrB, aeltceleit, rrJrare)I(Hbrx Lr pacqerHbrx AoKyMeHToB
ropr4Ar4qecKr4x nrrq Lrv:r.AluBLr4yaJrr,Hbrx rrpeAnpr4Hr..ruarelefi, Qzsnuecrr,rx nr4rl;
o
npoBeAeHr.re KoHBepczoHHbrx onepa{ufi e 6esHanzqnofi $opnre;
o
npoBeAeuze BaJlrorHo-o6uennrrx onepaqufi B HaJrrzrrHoft u 6esHumqHoft $oprr.lax 4nx
Qu:uuecrcux nr4rl;
o
o6cnyxI,IBaHI{e BHerrlHe3KoHoMr4r{ecKr.,rx oneparlr4fi rnraenroB, ocyqecrBJreHrze OyHrcrlufi
BaJIIorHofo KoHTponq l.nfl npeAlpr4.flrr.rfi-yvacrHuroe B3A, npoBeleHr.re Me)KAyHapo.4Hbrx
pacrreToB;
o
Bce Bvr4br AoKyMeHTapHbrx
O
OIIEPAIJIjKI IIO AKKPEAI{TVBAM I,I I4HKACCO;
oneparluit 4tts rcp[ArzqecKr4x nr,rq;
o
[peAocraBneHl4e B apeHAy lopv.4r4qecKurM vr Qv:z.recxztrl JrurIaM, vrlurkrBuqyaurbHblM
npeAIIpt4HI{MaTe[.f,M HaXOAflIIIIXC.II B CIIeIIIIaJILHIIX IIOMeIIIeHI4-trX lzn4uBkIpiyAnbHbrx 6aHKOeCxux
cefifton An{ xpaHeHr4r AoKyMeHToB 14 rlesuocrefi;
o
paclxvpeHl4e cerlr clequankr3lrpoBaHHblx oneKTpoHHrrx ycrpoficrB, rrpeAocraBnsrolurrx
yAaleunrtft Aocryn Anq coBepneHrrfl rrJrarexefi.u onepaqlrft no ynpaBneHr4ro crreraMz (6anronaaru
Ir rrJrarexHbre repM hHann);
o
[p[BJIeqeHI4e BpeMeHHo cno6o4nrrx AeHe)KHbrx cpeAcrB ropr,rAr4qecKr4x rrltq v
rrH4krBlr4yurbHblx rlpeAirpl{Hl{rr,rarerefi B Aerro3r4Tu. B paMKax AaHHofo HanpaBneHus BaHlc
pa3pa6oran 14 [peAnaraer cBor4M KJrr.reHTaM craH.4aprlr3r4poBaHHbre 6anrcoecKr.re [poAyKTbr,
yr{I4TbIBaIoqrIe rlorpe6Hocru KJrr4eHToB r.r npeAycMarpr,rBaroque pa3nuqnbre BaprraHrrr yclonufi
pa3MerrleHu.f, AeHexHbrx cpeAcTB ;
o
[puBreqeHl4e AeHexHbrx cpeAcrB Qrasuuecxux nuq Bo BKJraAbr.
B paurcax peuwga\krkr
AaHHoro HarlpaBneHrzs Banx parpa6orar urrrpoKyro nuuefiry BKnaAoB n py6n-ax u unocrpaHHofi
BaJIIore v rrpeAnafaer cBor4M KJrrreHTaM craHAaprr43r,rpoBaHHble 6anroscKze [poAyKTbr,
yrILITbIBaIorIue rrorpe6socrz KJrr.reHToB r{ rrpeAycMarpr4Baroqrre pa3nr4qHbre BaprraHru ycnonufi
pa3MerleHr.rr AeHex{Hbrx cpeAcTB
.
;
Kpe.qLIToBaHI4e lopllAr4rrecKr4x nrzq vr vHI;z'Br4LyaJrbHbrx rrpeArrpr4Hr4rraarereff. B paruxax
peanI43aIII4I4 raHHofo HanpaBneHzs BaHK paapa6oral u npeAnaraer cBor{M KJTHeHTaM cne.4yroque
rrpofpaMMbr:
o
KpeArrroBaHr{e Ha pa3Bprrure 6u:neca;
O
I{HBECTIIIII4OHHOE KPEAIITOBAHI4E;
o
.
o
n Qopue <onep4pa0r>.
BbrAaqa6anxoscrnx rapanrufi;
KpeAr4ToBaHr.re
KpeALIToBaHI4e $nsuuecrcux
parpa6oran
v
nvq. B paur<ax
peanrr3arlr4rz AaHHofo HarrpaBneHras Eanx
npeAnaraer cBoI,IM KJrr4eHTaM rrrprpoKyro nnuefiny nporpaMM r4rrorerrHoro
KpeAVTOBaHr,rr;
o
BbIrIycK kI npoAall(a co6creenHbrx BeKcenefi Banr<a.
B
parrrrcax peanrz3arlar4 AaHHoro
KJTLTeHTaM - ropuAr4rrecKr.rM nrzrlaM u krHAuBrr[yaJrbHbrM
nperlpI4HI4MareJItM cneAyrotqae 6anroncKr4e nporpaMMbr 14 rrpoAyKTbr: Ir4cKoHTHr,re BeKceJrf,;
lrporleHTHbre BeKcens; pacqerHbre (npe4r.aerzrelrcxue) BeKcenr;
.
BbIIIycK I{ o6clyx<znaHne 6anrcoBcKlrx rapr. B paMKax peanr43arlur4 AaHHoro HarrpaBneHr4t
HarIpaBJIeHus
EaHr npernaraer cBor4M
EaHr paspa6oran z npeAnaraer cBor.rM KJrr{eHTaM:
o
rcpvAt4rrecKl4M nI{IIaM kr kru4r4BLr[yanbHbrM npeAnpr4Hr{MareJr-{M cne.4yfotrlr4e 6alrKoecKlle
rlpofpaMMbl 14 npoAyKTu: ernafipuHr, Koprroparr4BHbre Kaprbr, 3apnnarHbre rrpoeKTbr;
o
[lr $u:IEuecxux nvq: BbrnycK u o6cryNrrBaHr4e rrJracrr.rKoBbrx Kapr VISA u MasterCard
pa3rurlHbrx rlIrIoB I,I KJIaccoB. B parr,rxax peanr43arlzr4 AaHHofo HarrpaBneHz.s BaHrc ocyqecrBnser
BbrrrycK r{ npeAnafaeT
cBor.rM KJrr4eHTaM cnelyrculr4e 6auroscxue npoAyKTbr: VISA
ElectrodCirrus Maestro; VISA Classic/MasterCard Standard; VISA Gold/MasterCard Gold.
o
locraBKa nencuft 14 BblrrJrara coqrzaJrbHbrx nocoOufi neHcl4oHepaM B coorBercrBr4ra c
3 aKJIroqeHHbrMr4 .4oroBopaMr{ c IIeHcno uuuru O ou4olr P @
;
.
oIIJIuta ycnyr, npeAocraBJreHHbrx oleparopaMpr rvro6zmnoft v $zxcprpoBaHHoit cnx3u,
xLInI4IrIHo-gKcnnyaraIII4oHHE'IMI4 KoHTopaMI,I, fge6nrrrur{ 3aBeAeHVflMn r{ np. o6clyNunauue
HaceJleHut npl4 onnaTe KoMMyHaJrbHbrx ycnyr, ycnyf cBfl3vr, B ToM qucJle c npl4BnerreHr4eM
6anKoecrMX rrJrarelrHbrx areHToB;
o
oKa3aHr.reKoHcynbrarlr4oHHrrxnzHQopMarILroHHbrxycnyr.
3. OTqET COBETA AI4PEKTOPOB O PE3yJIbTATAX pA3BUrTUrfl.
EAHKA B 2OI4IOtrY IIO IIPUOPI4TETHbIM HAIIPABIEHI4flM
ABflTETbHOCTT4
3a npoure4uruft roA BaHr npo4eMoHcrpl4poBan BbrcoKrae QznancoBbre pe3ynbrarbr B coorBercrBt4rz
co ceoefi crpareruefi, oplreHrl4posaHHofi na e(pQexrueurrfi u
O
npa6rurutrfi pocr 6[sHeca.
CHOBHbIE OI,IHAHC OBbIE IIOKA3ATEJITI
flpz6nrnr Banra sa20l4 roA cocraButa 640 742 rstc. py6., uro
2a2013 roA Ha 282,530 .
Bbrrrre
aHalorzqHoro rroKa3areJrt
r{acrr npu6ulu
B cyMMe 240 000 mrc. py6. cQoprrrr.rponaracb 3a cr{er ronyr{eHl,Ifl or aKIII,IoHepoB
Banr<a 6eseo:N{esAHofi nouorqu, cpeAcrBa xoropofi 6rrrur HanpaBneHbl Ha yBenl4qeHl4e rII4crbIX
AKTI4BOB,
AKrusEr Banra ro cocroflHprro Ha 01 xnnapr 2015 roaa yBenzrrl4nucb Ha cyMMy 6956 763 rl';.c.
py6. unu ua 25,28o/o no cpaBHeHlrro c aHaJrorr4qHbrMr,r AaHHbTMH Ha 01 rnnapr 2014 roaa u
cocraBr.rrur 34 410 693 ruc. pylrcft.
Co6crseHHrrfi ranuran Eaur<a yBerpt qvnc s sa I 336 I28 ruc. py6. urLr Ha 43,2604, no cpaBHeHI{Io
c rporrnbrM orqerHblM foAoM LI cocraBl{Jl na 01.01 .20I5r - 4 424 857 ruc. py6.
B re.reHHe 2014 roaa Eanr oragbrBaJr cBor4M KJrrzeHTaM nonnrrfi crIeKTp Sunanconnx ycnyf, B
CO OTB ETCTBI4I'I C MEIOIIIIMII C' JILI IIEH3 I4.fl MI4,
T4
Hr4xelplrBeAeHHbrx ra6luqax [peAcraBJreHbr AaHHbIe rlo ocHoBHbIM crarbflM 6ananca
(ny6nurcyerraofi (foprr,rlr), a raxxe ocHoBHbre rroKa3areJILI Aetrenbuocrn Eaura 3a orrlerHblfi nepzo4
B
lIpOltrJIOI () l'0, IA:
cocToqHlilo Io cocTofHI,Ilo
HA COO'TBETC'TBYruIUYru
ro
Ha 1
J\b
HallMenoeauue
2015 roAa,
n/n
CTATbII
rurc. pv6.
ua 01 qHBapq
2014 roAa B
ruc, py6.
I
I. AKTI{BbI
[enexnrre cpeAcrBa
2 s29 981
2 443 222
867s9
CpeAcrna
aueapn
B
flnuoocr/cuu)r(eHue
B Tbrc.
py0.
s
VoVo
J.))
KpeAI{rHbIX
oprauurauufi
I{eHrparurorrl
B
6anxe
Poccnffcxoft
tt9
2
(Derboaunn
2 944 023
2 219 904
664
3
Cpe4crna B KpeAarHbrx
opraHrr3aurux
6t2 991
842 7r3
-229 722
-27.26
0
290 715
0.00
25 511 518
20 485 975
5 031 543
24.56
95
91 041
-96 9s2
-99.90
0
0
0
0.00
29.13
OunaHcoerre aKT[Bbr,
oueHI4BaeMbIe [o
cnpane4ruaroft
cTor4MocTr4
4
{ucrafl.
5
qepe3
upn6rur r,un y6rrror<
290
3aAOnX9HHOCTb
t{ncure
BJIoxeHIr.g
rreHHbre
apyrue
6yrraru
B
vr
rpnuaucoerre
aKTIrBbI, I4MeIOTI[eCfl
6
7ls
ccyLHafl,
B
HIUII4IIUI4 ANq |IPOAA)KTT
9ucrrre BroxeHur B
IIeHHbre 6yvaru,
yAepxr4BaeMbre
1
Ao
IIOTAIIIEHI4'I
Tpe6onanrzx
tIo
reKyrIIeMy HaJrofy
HA
8
nDr.r6ulr
12 357
0
t2
9
Ouoxrennrri
naroloestI axrr4e
OcHonHrre cpeAcrBa,
280
0
280
100.00
I r59 361
93.3 8
357
0.00
HeMaTeprraJrbHbre
AKTIIBbI
U
10
MATEDI,IfIJIbHbIC 3AIIACbJ
2 400 936
r 24r
ll
flooqze
161 191
t23 494
38 303
31.02
t2
Bceto axrranoe
34 470 693
27 s13 930
6 9s6 763
25.28
802 000
0
802 000
100.00
aKTr{Bbr
575
II.IIACCI4BbI
Kpe4uru, Aerro3rzrbr rz
flporrr4e
l3
cpeAcTBa
Ueuroamuoro 6anra
7
Poccuficnoft
@eAepauurz
Cpe4crna
KpeArrrHbrx
ooranzgauufi
T4
566 652
428 980
137 672
32.09
21 158 183
23 156 340
4 001 843
17.28
t8 674 9r7
ls
3 328 910
21.69
0
0
0
0.00
518 018
168 36r
349 6s7
207.68
264
0
264
0.00
386 360
0
386 360
100.00
571 207
630 695
-59 488
-9.43
Cpe4crea KJrr4eHToB, He
'BISIOIIIT4XCf,
KpeAlrTrrbrMH
t5
OPIAHTI3AIIruIMI4
BxraAu
15.
I
$usuvecxnx
JII4U
346 007
@ranancosHe
o613arerlcrra,
oIIeHI4BaeMbIe
IIO
cnpane4nranofi
cTor4MocTr{
16
qepe3
ror,r6um uru v6rnox
Bunyueunrre
AOJIfOBbIe
t7
t8
o6qgaterucrea
O6ssaremcreo
rro
reKyrrleMy HaJrory
noz6rrru
OuoNennoe
Ha
HAJIOIOBOE
l9
20
o6sgaremcrso
flooqne o6ssarellcrpa
Pesepnrr
Ha
BO3MOXHbTe [OTepr4 nO
ycJroBHbrM
o6sgarerucrsard
KpeAr,rrHofo xapaKTepa,
[poquM Bo3Mox(HbrM
noTeprM 14 rro
onepaur4rrM
c
pe3rIAeHTaMrr
21
oduropnsrx soH
36 024
zJ 501
12 657
<A 11
22
Bcero o6rcareJrbcrB
30 038 708
24 401 743
s 630 965
23.01
678 086
678 086
0
0.00
III.I4CTOI{HI4KI,I
COECTBEHHbIX
CPENCTB
Cpe4crna axur{oHepoB
aa
ZJ
(vqacrnnxon)
Co6crseuubre aKrlr4ri
(aonral, BbrKyuJreHHbre
y
aKur4oHepoB
24
(lqacrHunos)
0
0
0
0.00
25
3vruccuonHlrfi loxon
623 671
623 671
0
0.00
26
Pe:epnuufi $ong
147 06s
138 690
8 375
6.04
llepeoqeuxa ro
crpaae4runofi
CTOIIMOCTI4 IIEHHbIX
6ynaar, rrMeroulr4xcr B
HaJMIUVI AJlr [pOAaXA,
yMeHbrrreHHafl
Ha
OTNOXEHHOC
Hi}JIOIOBOE
o6qsaremcreo
(ynerrueuuafl.
Ha
ouoNesurrfi
27
naroroerrfi
aKTr4B)
0.00
Iepeouenr<a ocHoBHbrx
cpeAcTB, yMeHbrxeHHat
HA
OTJIOXEHHOE
HtIJIOfOBOe
|
o6sgarerlcrso
28
1 136 683
685 0s6
60.27
520 682
361 551
159 125
44.01
640 742
167 s00
473 242
282.s3
4 431 985
3 106 187
| 325 798
42.68
821 739
HepaclpeAeneHHal
npu6rur (Heuoxplrrsre
y6rrrxz) [porrrJrbrx
29
Jrer
Heucuonrgonauuag
npu6rrm (y6uron)
orqernuft fleprroA
30
sa
Bcero
IrcrorIHIzKoB
co6creeuHrrx cDencrB
3l
OcnosurrN{Ll olepaIII4-{MI4 EaHKa, oKa3aBrrruMrz Harr6onbrree Brr4.sHrre Ha $uHaHcoeufi pesyru,rar,
or pa3MerueHr.rfl (npr4BneqeHr4r)
tBr.slorct nonyqeHHble AoxoAbr (npousee4eHHbre pacxoAbr)
AeHexHbIX CpeACTB KJrr4eHTOB, He rBJrrrOq[XC{ KpeAr{THbIMIZ OpraHkr3arIVrAMpI.
yAeJIF,Hbrfi Bec (74,03%) B aKTrlBax Eanxa cocraBntrer qvrcrafl. ccyAHafl kr
rIpI4paBHeHHa.f, K Heft saAoDr(eHHocrb, Koroparr cocraBprJra ro cocrosHr4ro Ha HarraJra rcAa 25 5I7
518 ruc. py6.
Hau6olturufi
I4nQopuaqnt o ccy.qHofi sa;orx<eHHocrt4 B pa3pe3e BrrAoB npeAocraBJreHHbrx ccyA rrpeAcraBJreHa
Ianee:
I rHrapr 2015 I rnrapa 2014 Ilpupocr(+)/
[IalrMeHosanue crarbu
qrnxenue (-)
foAa
foAa
Ccyau
- Kp eAr4THbrM opraHr43 arlr4rM
KJrrreHraM -HeKpeArrrHbrM
KJrr{eHTaM
CcyArr
opraHr,r3arlrrf,M, !r3 Hr4x:
Ccyarr KJrr4eHTaM ropuAar{ecKrlM Jrr4uaM, He
flBJrrrrour,rMcr KpeAuTHbrMu opfaH[3au}IqMr,l
JJJ 558
297 795
35 763
26 s99 787
21 236 382
s 363 40s
23 406 283
t8 369 236
5 031 047
21 196270
16
900 8l
4 29s 459
BCEIO. B TOM qI4CJTE:
3aAolNeunocrt
[peAocraBJreHHbrM
[o
ccyAaM,
cy6lexrav Mturofo u
CPC.IIHEIO I]DC.IIIIDI4HI4MATEJ]bCTB
Ccyarr $nauvecxunr JrrrrlaM Bcero,
B ToM qr4cJre
- XzlurqHrre ccy.urr (rponre znoreunux)
llorpe6 aremcKlre KpeArrrbl
- I4rore.{Hlre KpeAlrrbr
Aoroxpe4rlru
I4roro ccyAuofi gaAoln<euuocra
Pesepn Ha Bo3MoxHbre rroreplr no ccyAaM
hroro ncrofi ccyaHofi 3aAoJlx(eHHocrr4
q
1
A
193 504
3
282 205
2867 146
1 341 364
326 358
1
0s9
159
1
467 439
946 809
520 630
1
437 150
572 263
864 887
6
tl0
6 710
0
21 534 177
5 399 168
26 933 34s
\
415 827
25 517 518
|
048 202
20 485 975
-367 625
5 031 543
B 2014 roAy
rIpoAoJIXLIJIc.f, pocr Kperr4rHofo nopr$enx. BaHx npoeoAktr KpeAr4rHyro rroJrrrrktKy,
HanpaBneHHyro Ha KpeIliroBaHr4e peaJrbHoro ceKTopa gKoHoMr.rKr4, opr4eHTr,rpoBaHHyro s 6ortuefi
creIIeHI4 na norpeoHocrl4 MaJIoro v cpeAHefo npeAnpr4Hr4MareJrbcrna. Kpe4rtrnrrfi nopr$enr
Baura (6es yvera ue>r<6anHoBcKofo KpeAr,rroBaHun) ynerru.rr:arrcs. na 24,60/o rro cpaBHeHr4ro c
aHaJrofplqHbrM nepI,IoAoM npolllnoro roAa.
KopnoparzeHrrfi rpe4Iarnufi nopr$enr yBenuquncs za 2014 roA Ha 27,54oA u cocraBr.rn
23 406 283 ruc. py6., B roM ql4cJre rpe4rarnr,rft nopr$em cy6rerrann MaJrofo rr cpeAHero 6vsHeca
(MCE) Bblpoc na25,4Yo LI cocraBLIJI 21 196270 rsc. py6., a nopr(fenr po3Ht4rrHbrx KpeAr.rroB Ha
I2,5yot4 cocraBr4rr 3 I93 504 rtrc. py6.
Hau6oltnrzfi o6:seu KpeAuroBaHLIr ronyqvrvrB2014 rogy cy6rerrr,r MaJrofo u cpeAHero 6uzneca,
ocyuecrBnflIorqve cBolo Ae.rrreJrbHocrb B crpor4TeJrbHofi orpacnr4 (l5,3yo), onronofi u posHuunofi
roproBne (29,3yo), orepaUun c HeABzllfl4Mocrbro (32,6%).3I,7oA or o6:seua KpeAr{roB, BbrAaHHbx
Iop[ArztrecKr{M nr{rlaM s 2014 roAy, 3aHr4Maer oBepApaQrnoe KpeAprroBaHrze.
Banr pasnprBaer npl4cyrcrBr4e B po3Hr4qHoM cerMeHTe 3a cqer vrroreqHofo KpeAI4ToBaHvIfl. vl
KaprorIHbIX npoAyKToB, I{ 3aHl4Maerc.[ pealz:aquefi co6crseHHux [porpaMM po3HuqHoro
KpeII4TOBaHzS. o6reN,r KpeAr4TOB, npeAOCTaBJreHHbrX Qu:rZueCXZM Jrr{rIaM, S O6rIeN,{ KpeArrrHoM
nopr(pene cocraBrr.rrer 7I,9oA (n 2013 roAy- 13,2yo).
82014 ro4y Baur rpoAonxan peanrr3arlzrc coq[anbHo-oprreHTr{poBaHHbrx rlrroreqHbx nporpaMM:
<Boesnas I4rloreKa), <MarepIaHcrcrafi xanrzrar>, <<llepee3A), <Honocrpoirxa>> u <Crau1apr>,
oAHoBpeMeHHo npolonx(IdB pa3Brzrr4e cran4aprHofi znore'rnofi rtlauefirz. Asrssc:u B
corpyAHlzqecrBe c OAO <Arenrcreo rro r4noretrHoMy xr4Jrr4rrlHoMy Kperr{ToBaHr4ro) yqacrHuKoM
focyAapcrBennoft nporpaMMbl ulorerrHofo KpeArrroBaHr,rr HaceJreHrr{, BanH npeAnari}n
SuauvecxuM nIzIIaM orITI{MaJrbHbre ycnoBlrfl rro vrroreKe, yqr,rrbrBarouue pa3nr4rrHbre norpe6nocru
u QuHancoBoe cocro.gHl4e KJrr4eHToB.
B 2014 ro4y Baux peanlr3oBan co6creeHHbre nporpaMMbr rro [peAocraBJreHr4ro r4rrorerrHbrx
KpeAIrroB yqacrHIlKaM HaKorrr{TeJrrno-vnore.{Hofi crrcreMbr xlrJll{rrlHofo o6ecnerreHr4-f,
BoeHHocnyxarl[x 4lx qelefi npzo6perenufl. KBaprLrp B aKKpeALrroBaHHbrx s BaHxe crpo{tqr4xct
AOMaX eue Ha STarre cTpol4TenbcTBa.
[oxo4 no orepalll4tM Kpe.4lrroBaHr.rr cocraBrrJr 3 316 022 rsrc. py6. utru 97 ,44yo Bcex npoqeHTHbrx
AoxoAoB, noryqeHHbrx Eanlcou sa20|4 roa.
Conoxynusrfi o6rerra o6ssaremcrs BaHKa rro cocrof,Hrrro Ha 01 xHnapx 2015 roaa yBerrzr{r4ncfl Ha
5 630 963 ruc. py6. ulusa23,07Yo rro cpaBHeHr4ro c aHaJrofrrqHbrMrr AaHHbrMrr na 01 sHsap s20I4
foAa rr coeraBr{rr 30 038 708 ruc. py6.
o6revr cpercrB Ha cqerax Iopl4Ar.rqecKr4x Jrrrq yBenvwrncr no cpaBHeHr4ro c [porxJrbrM orqerHbrM
foAoM na 672 933 ruc. py6. ulu na 21,69%o u ro cocro{Hlrro Ha 01 xnnapr 2015 rorc cocraBr.rJr
8 483 266 ruc. py6.
flpe4larar KJII{eHTaM c6arancvpoBaHHyro rznefiry BKnaAoB Lr flByfl.flab yr{acrHr4KoM
rocyAapcrBeHuofi clrcreMbl crpaxoBaHlls BKna,4oB, EauK npr4BneKaer mzpoxzfi Kpyr qacrHbrx nr4rl.
Tar, o6reu BKiIaAoB Slasuuecxux nvq s EaHxe yBen[r{r4rct rro cpaBHeHI,Irc c aHaJrorr4qHr,rM
neplroAoM rrpomnofo foAa Ha 2I,7yo r.r cocraBr4Jr 18 674 917 u,tc. py6.
Pacxo4rr no BbIIxeyKa3aHHbrM oneparlr{rM cocraBr.rJrr4 I 53I 239 ruc. py6. ulu 85,74o/o scex
nporleHTHbrx pacxoAoB, rrpor.r3BeAeHHbrx EaHrotr v 2074 roay.
3ua'{eHllg o6.ssaremHrrx HopMarLrBoB, paccql4TaHHbre B coorBercrBlzl,I c rpe6onaH:zflMlr
Zucrpyxquz Banr<a Poccuz or 3 4exa6pt 2012 roAa N 139-14 "06 o6ssarerbHbrx HopMarr.rBax
6aHKoB", 3aperl{crpl{ponanHofi MraHucrepcrBoM rocrrzrlrrr4 Poccuficxoft @e4epaqrtu 13 gexa6pt
2012 rorc N 26104, 29 uot6px2013 rotaN 30498, rpr.rBeAeHbr s ra6rr.rqe:
O6osHa.te
Hne
HOpMaTHT
OB
I
H2
H3
H4
HanMenosauHe
HOpMaTr{Ba
JI14
KBI,TtrHOCTII
2
Hoplrarun
Hoprr.raruenoe
na 01.01.2015, e
na 01.01.2014,
3HaqeHue
oho
Vro
A
3
MrHoseHHof
JIIIKBI4AHOCTI'
Hopualrn
JII,IKBHAHOCTI4
Hopuarru
4olrocpovuofi
rexyrqeft
e
HA
01.10.2013,
B,
oho
5
6
92,98
79,7
65,8
>: 50o/o,
74,37
77,7
68,4
<:120'Yo
71 q?
151
84,2
>:
15%o
JII{KBIIAHOCTIl
*)flpn pacrlere
HopMarI4BoB JII4KBr4AHocruH2, H3 z H4 no cocrorHrzro ua 01.01.2015r. Eanx
rlpvMeHsn noAXoI, I43JIox(eHHbrfi s n.3,6 ZHcrpyxqzu Banxa Poccrau or 03,12.2012 N I39-I4
(pe4. or 30.05.2014) (06 o6.f,gareruHbrx HopMarr,rsax 6anxoB", Koropbrfi npe4yclrarpr.rBaer pacqer
10
IloKa3areJlefi Our,t*, Ont*, O+ no Mr.rHr4MaJrbHoMy coBoKyrrHoMy ocrarKy cpeAcrB ro cr{eraM
Iopl4AlarlecKr.rx (rponae KpeAr,rrHbrx opfaHrz3arluft) u Svsu.recxvx Jrlrq, yqacrByrotur4x B pacqere
coorBercrBylorllkIx Ko.{oB, B rlpeAenax 0,10/o cpe4nefi serz-ruubr coBoKyrrHbrx ocrarKoB cpelcrB rro
coorBercrByloqlzM cr{eraM ropuAIaqecKrax u $u:uuecKr.rx nurl 3a pacuerHrrfi rrepuol.
O6-flsaremHble HopMarr4Bbr, paccqr{TaHHbre B coorBercrBlrrr c Irlucrpyxquefi I-{B PQ or 3 gexa6px
20I2r. Ns 139-Z <06 o6s3areJrbHbrx HopMarr{Bax 6anKoe). He rrpeBbrrrrarr ycraHoBJreHHbre
3HaqeHI4t.
K JII,IEH T C KAfl TI O JII,ITI4KA
BaHr npoAonxaer
peanIr3oBblBarb opveHTrrpoBaHHyro Ha KJrr4eHToB MoAenb 6uzueca,
no3BoJlsloulro nonHocrbro yAoBrrerBopflTb norpe6uocrr4 KJrr.reHTa e 6auxoBcKlrx ycnyrax nprz
rloAAepx{aH uu p e:rrr a6 e.[r,H o crr4 onep aqrzfi H a Ao craroqHoM yp oBHe.
Eanx npuueHser cneAyroqve noAxoAbr no SoprraupoBaHrrro npoAyKToBbrx rrpeAnoxeuuit rls
OnpeAeneHHbIX KIILIeHTCKVX CeTMeHTOB
:
Kopnoparreusrfi cexrop
o
Pagpa6orxa u o6cryxrvBaHr,re LrH4prBar1yanbHbrx peueunfi na ru6rux ycnoBusx B qacrr4
yrlpaBneHl{fl cpeAcrBaMz KJrrzeHToB, KoMrr'lreKcHoto $rzHaucoeoro [naHr4poBaHr.rr kl
BHeIIrHeSKoHoMrzrrecKoft
o
lesrenrnocrz.
O6cnyxlrBaHlre orAenbHbIx HarrpaBneHufi 4exrelbHocrr4 zlz QznaHcr,rpoBaHr.re orAenbHbrx
npoeKToB Ha vHrvrBVAyaJrbHbIX ycnoBz.sx c yrreroM cneqz@zru 6zsHeca KJrr4eHTa Ir ero
norpe6nocrefi s 6auxoBcKrrx ycnyrax.
I'InaueI,rAlranrurrfi c exrop
.
fIpoAyKToBbIe tutteitr<u 4lx cy6rexros 6rsH eca 6ylyr (f oprvrnpon arbcfl. r4HAr4BVAyanbHo
I,nfl KaxAoro KJILIeHTa B 3aBllcr4Mocru or cnequ$uru Ae.f,TeJrbHocrr4 14 norpe6nocrefi B
6aHxoscKou o6clyxlz Ba:ur4u.
.
flpz paspa6orr<e npoAyKroBbIX rlpeAroNenufi rpr4opr,rrer 6y4er orAaBarbcr pa3Br4rr4ro
npoAyKroB, o6ecneullBaIorII4x nplzBneqeHze cpeAcrB, vr. pacrrrupeHrzro nepeqH{ ycnyr,
nperocraBn{eMblx Ha KoMlrcczonuoft ocHoBe, B ToM rrllcre c gJIeMeHTaMr,r KoMrIJIeKcHoro
Suu ancono f o rr JraHr.rpo BaHLr fl.,
o
Crautraprv3ar\nflycnyrvKpeArrroBaHr4rBpexr.rMe <onep4pa$r>;
o
PacrrI4peHI,Ie sxnafipunronofi cerrr: ocHarrleHl{e 6aHlcouaraun (noc-repnauualanlu)
orKpblBaloql4xcs IoroJIHI4TeJIbHbrx o$ucon u Suruanon EaHna, ycraHoBKa 6auxorraaros e
pefl4oHax flpucyrcrBkrfl kr pa3Br4Tr4e ropfoBoro ennafipznra, pacrxr4peHr4e crreKTpa ycJryr rro
ToproBoMy $unancupoBaHr4 ro r{ AoKyMeHTapHbrM oneparlr4sM ;
PogHrz.rHrrfi cexrop
(DopMIzpoBaHLIe npoAyKToBbIX JrrrHeeK Ha npr4Hrlrrnax orxprrrofi apxr4TeKTypbr c
.
IrHTefpIzpoBaHI4eM rIpOfpaMM norJrbHocrlr v npuMeHeHVeM rraKerHofo rroAxoAa Ha ocHoBe
KoMrrJreKcHoft orleHxu lorpe6Hocrefi Krfienros.
o
flpv pasBurkrtr npoAyKroBoro uoprSenx rpropr.rrer 6yaer orAaBarbc.r{ KpeArzrHbrM
npoAyKTaM v ycnyraM Ha xovtHccuonuoft ocHoBe, rlpeAocraBJrreMblM, B ToM qlrcjle rlo
AVcraHqr4oHHbrM KaHaJraM o6clyrxunaHzx.
Eaur< 6y.uer B AanbHefiruenn pa3BuBarb KaHaJrbr rrpo.4ax, o6ecne.{usarcqrze s(fsexrunHoe
nsauuoAeficrBl4e c KJIITeHTaMI,I I4 rloBbrrrreHr4e Bocrpe6oeaHHocrr.r ycnyf, oco6oe BHr.iMaHrze 6y4er
yAeneHo pa3BI4TI4Io gneKTpoHHLIX KaHaJIoB npoAalKlr 6auroncxzx npoAyKToe. Zcnorb3oBaHr4e
pa3HbIX KaHanoB npoAall( AonxHo 6urr HanpaBneHo Ha rroBblrrreHr4e AocrynHocrrz 6anxoecKzx
ycnyr .4n{ Iopt4II{qecKI4x Ia $u:zuecKI,IX nI4II. IIpu srou cTaBr4Tc.f, 3akarra no o6eclerreHr.rrc
oneparl{BHoro ynpaBneHllt npoueccaMr4 npolax c oAHoBpeMeHHbrM cHr.DKeHr,reM orreparlrroHHbrx
pacxoAoB.
l1
Eanra s 2014 foAy {Bn{nrrcb ropoA Mocxsa (nxnrouax
Mocxoncxyro o6lacm), a rarxe ropoAa Borrorpa4, Bopone>r, Karyra, Teepr u llarvropcx.
Banr nponoAlrr perrroHanbH)'ro [onr4TrrKy B coorBercrBm co cpe4uecpovnoft crparerzefi
pa3Burrkrs' [ocrzxenue Aannofi qenv peanrr3yercs nyreM npolonxeHr4s nocrolrHHoro LI
nocJreAoBarenbHoro pacrulrpeHr4fl. cern rroApa3AeneHrafi Banra v ycraHoBJreHrr.f, cra6ramurx
OcnosHrri\4r,r perr4oHaMr4 rrplrcyrcrnrzs
B3arrMoorHoruenrzfi c perr4oHanbHr,rMr4 opfaHaMr{ MecrHofo caMoyrrpaBrrenr4fl'' AeJIoBbrMr{ KpyraMrr
U HACCJIEHI,IEM.
Banr r.rueer cra6zmno pa6oraroque o$ucu [paKTr4rrecKrz B KaxAoM KpynHoM pafionnorrn rIeHTpe
Mocroncrofi. o6tacrur4 Ha KDnAoM Marr4crpaJrbHoM HanpaBJreHr{r{, B rrJraHax Banra - ynyqureHrre
TpaHcnopruofi rorzcrr4Kkr orHocr.rreJrbHo ylKe lrMerouvxc-s o(pucon n Tnepcrcofi. o6tacru ut
BepxuenomKcKoM perrroHe.
Bce peruoHaJrbHbre rroApa3Aenenra-f, EaHKa o(fopnrnxrorcr
B
eAr4HoM Kopnoparr,rBHoM cruJre r{
noAAepxlrBaror eAr4Hbrfi Sopvrar o6cryrrunaHrrr KJrrieHToB, Iro3BoJrxrorqafi r4M B rroirHolr o6:seue
IloJlb3oBarbcf, rIpoAyKToBbIM uoprQenelr Eanxa rr noJrfrarb KaqecrBeHHrre 6anKoecKrre ycnyul Bo
Bcex fopo.qax [prrcyrcrnzs EaHKa.
Eanr< pacurkrpfler cBoe npr4cyrcrBrze s MocKoecroft o6nacu{ v pervoHax Poccuu.
B 2014 roAy orKpblrst 22 AolorrHr,rreJrbHbrx o$uca, 3 onepaquoHHbrx o(fzca z 1 onepaquoH*as.
Kacca BHe KaccoBoro y3na, LI3 HI4x n Mocxoscxofi o6racru - 12 AorronHr,rreJrbHErx o$uca u 2
onepaIII4oHHbIX oQzca. (<HararuncKufi>), <Kororuna>, <Kurafi-ropoA), <Jko6epeqrnfi>,
<Horuucxufi>, <PaueHcxt'tft>, <BocxpeceHcKraft), <Xyne6uncKzfi>, <BalanrzxuHcKufi>),
<Opexono-3yeno>, <[o.nronpy.lnufi>>, <BoAnrrfi craArroH), <Kypcrzil>>, <Bparzcrancrcufi)>,
flpecuencxufi>, <,{:epxrIaHcKIzfi>, <[naurponcrcuit>>, <CeryHrcxuil>, <HosoMbrrzrqr,rnclczfi>>,
<,{anuloncKufr.>>, <Ceprzeno-floca4crczir-2>, OO {{Krnu>>, OO <Maxcarrrxa)) OO <EccenryKt4 )),
OKBKy Nb51 e r.Horuscx). Pasnrananucr 4eficrnyrcqve o(fvcsr u (fznzalu.
llo cocrosHlllo Ha 01 -aunapx 2015r. pacr{erHo-KaccoBoe o6clyrrunaHrre KJrrzeHToB ocyqecrBJr{ror
77 YuyrpeHHl4x crpyKrypHblx noApa3renenzfi Banxa. Ycnenruo pa6oraror rroApa3AeJreHzr B
MocKee u s Mocxoncxofi, Tnepcrcofi, KanyNcr<oft u BoponeNcrofi o6nacrflx Lr Ap., a raKx{e
Bolrorpa4 u llxrzropcn.
Kruzenraun Eauxa f,Br.f,rorcr opraHr43auvzr ilpaKTuqecKu ncex Qoprra co6creeHHocrr.r r4 Br4AoB
.4e.f,TeJlbHoctu. 80Yo IopI4ALIqecKI{x nuq - KJIueHToe BaHKa f,BJrrrorcq cy6rexrarur.r MaJroro tr
cpeAHero rIpeAnpLIHI4MareJIbcrBa. Hau6omuree KoJrr,rqecrBo KJrrreHToB npeAcraBneHr,r
$urularu
B ropoAax
IIp9AIIpI4ITLIAMLI I'I OpfaHI43al\LIsMvI,3aHIlMaIoIqvMnCfl, OnepaIII4{MLI C HeABI{XI4MOCTrIO, OurOsofi
roprouefi , crpovre JrbHbrMrz Marepr4anaMrr I4 crpor4TeJrbcrBoM.
OIuIEalu Ealrxa oKa3LIBaJII4 Becb crreKTp Bocrpe6osaHHrrx 6anr<oecxux ycnyr B pefrroHax,
npl{BneKanlr u pa3Melrlanl{ AeHe)KHbre cpeAcrBa oplaHlr3arluit
u uacereluprfl. rroA KoHKypeHTHbre
npoIIeHTHbre CTaBKr4 B Ka)KAOM rI3 perkrOHOB.
OAuIau I{3 ocHoBHbrx HanpaBneHufr. gettetrcHocrlr Eaur c.rrlraer co3.qaHr4e crIerIr4aJII43IrpoBaHHbrx
rloApa3.4enelr^uit I'txpa6orrr c rcpr4AzqecKr,rMlr nr4rlaMr4 B rlensx ocyrqecrBJreHru ArrBepcuQuraquv
naccueHoft 6azs u rpI,IBner{eHI4r AeHe)r(HbIX cpeAcrB Koprroparr4Bnbx KJrr{eHToB, o6ecneqenue
BHyrpeHHI4MH crpyKTypHbIMI4 noApa3AenentrflMrr u $utmarratvtrr MaKcr4Manrno 6raronpr4trTHbrx
ycno nuft 4nr o 6 clyx vrBaHtrfl. KJrLr eHToB -roprzAr.rqecKux nuq.
Balrx axrnBHo corpyAHl4qaer c pyKoBoAcrBoM perr4oHoB, B Koropbrx paclonoxeHbr ero o(fucu.
Baur< pearu3yer rlporpaMMbl oKa3aHLr.tr ycnyr HaceJreHLrro no npneMy KoMMyHanr,Hbrx urarercefi s
[larypcxol.l z Ceprueno-floca4crou pafioHax Mocroscrofi o6rractu, oKa3brBaer rrJrarexHbre
ycnyrl4 HaceJIeHLIrc no np.sMoMy AoroBopy c MocKoecr<uu Qnnualotr OAO <Pocrelerou>, OAO
(MOC3HEP|OCEbIT), Sutmanavu fyll MO <Moco6nras>, OAO (MTC), rrro crarro
oqepeAHblM gTarIoM pa3BLrrvrfl. KoMrrneKcHofi uporparranru o6cnyNnBa:nprfl, HacereHr4.rr [prr onnare
KoMMyH anbHbrx ycJryr, ycnyr cBflgrr, ras o cHa6x enrrfl. pr trp,
Onpe4erarorul{Ml4 HarIpaBneHVflMLr Ae-{TerbHocru Eanxa, no-rpexHeMy, ocraBaJrlrcb pa6ora c
lpeA[pl4srr4flMn MaJIoro I{ cpeAHero [peAnpr4Hr4MareJrbcrBa, pacrrr4peHr4e Knr.reHTcKoft 6azst
IopzAl4r{ecKux u SuzuqecKlrx nI4rI, pa3pa6orra rz BHeApeHrre HoBbrx 6auKoecxzx [poAyKToB r{
TexHoJrofuft, nonurueHr,Ie craHAaproB Karrecrna o6clyNvrBa:nns. KJTIeHToB.
1.,
flo cocroxnlrlo
Ha 1 runapx 2015 r. orKpbrro 6oree 105 rHc-s-{ crreroB r4 BKJTaAoB Su:zuecrux Jrr.rq,
rrro cBl4AerenbcrByer o rroJrHoM AoBeprrr4 r< Banxy co cropoHbr BKraArruKoB.
Bo scex o$ucax AO (PyCCTPOIZEAHK> nHe4peHa yonyra AlrcraHrlrzoHHofo 6airKoecKoro
o6cryNranauvrfl. rns. Qu:zuecrux nr4rl (PyCCTPOIZBRUX-OHI@ilIH> qepe3 crpaHrruy Eauxa n
ceru I,ltrrepHer. Czcrelta no3BoJlser B pexrzMe pe€rnEuoro BpeMeHV o6ruenuearbcr c Baurovr
uu$optraquefi, coeeplrarb oneparlr4r.I no cBor,rM cqeraM, [oryqarb BbrrrllcKl4 rro cqeraM rrepe3
crpaHI4IIy Eaura B cerl4 Znrepuer qepe3 nro6ofi coorBercrBlrouufi TexHzrrecKurra rpe6onaHvrsM
KoMrrbrorep, rr oAKJrroqenuufi K cerl4 IrlnrepHer.
Bo Bcex BHyrpeHHIzx crpyKrypHbrx noApa3AeneHr4rx v (furHanax BaHr<a s 2014 roAy
rlpeAnafanvcb ycnyrl,I Me)I(AyHapoAHr,rx rrJrarexHbrx crrcreM rro nepeBo4au (fusrauecKax lrLrr\ kr
oIIJraTe ycnyr rcpr4Ar.rqecKr.rx Jrr4rl.
B 2014 ro4y Eaur npI{HIrMan aKTr.rBHoe yqacrrle B aKrlr.Lrrx 14 nporpaMMax rrJrareixHux czcreru Visa
International ra MasterCard, lpeAocraBr.srcilIr4x Aocryrr K npeAnoxeHkrflv^, [pr4Br4nerr4rM, cKrrAKaM
14 ApyrI4M JlbforaM, AocrynHbrM repxaren{M Kapr. Banx gMr4Tr,rpyer 6anroscxze Kaprlr
MexAyHapo.4HbIX IIJIare)I(HbIX clrcreM Visa International rz Mastercard s (.rnnoBoM) Bapr{aHTe,
o6naAarouleu 6olee errcoxofi crerreHbro 3aur{Tbr or HecaHKIIr.roHpIpoBaHHofo Aocryrra.
[errellnocrt EaHra s 2014 roAy
orrpeAenflnacb rrpuopurerHbrMr,r HanpaBneHLrflMLr Lr
rIoKa3areJItMV Ae-arerbHocrl4, ycraHoBneHHbrMr,r Crparerueit paznurux Eanxa na 2013 foA, r.r He
nperepnena cyuecrBeHHbrx vgrueneHnfi .
Peanusy.t B' 2014 roAy rlocraBJreHHbre crpareruefi 3araln, EaHr npaKTrzr{ecKrr rro BceM
HanpaBJIeHI{tM 6aHIcoecxoft ,4etreJlbHocrr,r Aocrlrr noxasarelefi, 3arrnaHrrpoBaHgbx 1infl
Haunyqueto BapIraHTa pa3Brrrns' xorr oKoHoMrzrrecras o6craHoBKa B crpaHe 14, B qacrHocrn, B
6auxoecKofi czcrelre so 2-oft rIoJIoBr4He roAa reMoHcrpr..rpoBana Herarr4BHbre reHAeHrlr4rr.
4, I4HOOPMAIII4,g OB
OEbEMB KAXTAOTO I43 I,ICIIOJIb3OBAHHbIX B
2014I'OAy
BUAOE 9HEPIETMIIECKI4X PECYPCOB
Bul
pecypcon
Eguuuqa u3MepeHr.rq
Teuosas gHeprzx x
3rexrpruecxag gneprus *
llprapolHufi ra:
rKan
xBr.q.
ruc.r<y6.lr
ilorpe6neHue B 2014 r,
O6r€nr
Cyunra B py6.
I]IITP
236,713
652 158
15,247
rr2 490.25
28 t41,04
Maryr rouoqnrrfi
TOHH
0
Yrolr
0
TOHH
0
0
vr3
0
0
6aperrtr
0
0
Bensuu aeroN{o6rzrtHrrfi
Tonflaso AI43eJr6Hoe
TopS
HeOrr
x
JI14TP
398 909,3
3 060 47r,2
76 839.6
3 7t0 591,8
940 937,27
I'Intlioprraauat ilplrBereHa IIo noMeuleHarM, Haxorru{r4l4cr e co6creeHHocrr4 Eaux4 uutlropMarl}rq rro apeHroBaHHLrM
noMerueH
r4fl
M
orcyTcTByer
5.
IIEPCfIEKTI4BbI
PA3BVTTVTfl
EAHKA
flpuopzrerHblMIr HanpaBJIeHVflMLr pa3Bzr'rvs. Banxa Ha rreprroA 2015-2016
r. Coner
rr4peKTopoB
onpeAenr.rn:
1. Yneru'{eHl4e
creleHz
4Iznepcrz(f I4KarIr4r4 .4esreJrbHo
cru r4penra6enrHocrr4 onepaqzfi;
1a
IJ
2.Pazsurue flporpavM;I KpeAl{ToBa:uns.npeArtpwsrufi nazuroro r cpeAHero 6usxeca;
3. Paspa6o"IKa Lr peanv3a\us co6creeHHrx cneqrraJrrr3r.rpoBaHHbrx rrporpaMM KpeAr4ToBaHr.rt
Sn:zuecrux JIIru, B ToM qLIcJre [porpaMM vrrorerrHoro KpeAr4ToB aHkrfl;
4. Yeeru'reHl4e pecypcnofi 6asnI3a cqer flprzBnerreHr.{s cpeAcrB Koprroparr4BHbrx Knr,reHToB;
5. Pa:pa6orxa v BHeApeHHe colll4anbHo 3Haqr4Mbrx clequanr43r4poBaHHbrx nporpaMM
coTpyAHl'IqecrBa c focyAapcrBeHHbrMr4 opfaHaMrr BJracrrl 14 opraHaMrr MecrHofo caMoynpaBrreElrs,
rro pacrrerHo -KaccoB oMy o 6 cnyNzB aHrrro HaceJreHl4.fl .
6. Yserlaqenze o6renaa gMwcckrvr flJlacrrrKoBbrx Kapr, 4anruefturee pa3Br4TVe npoqecczHroBofo
rleHTpa, paculrpeHr4 e srnafipznra.
7. llonyvenue n Mext4yuapo4Hofi nnarex<Hofi cr4creMe MasterCard craryca ocHoBHoro yrracrHrKa
(<principale member>).
8. Y'Iacrue perzonalrHofi crpyKTypr,r n Sopuare, o6ecue.rzearcqeM 6onee rz6roe lr
e$(fenrznHoe B3al4MoAeficrsae c KJII.IeHTaMrr, a raK)r(e cHrrxeHr4e oneparlrloHHbrx r43AepxeK.
9, OcyruecrBJIeHLIe 6esHanIaqHbIX pacrreron n $oprue nepeBora gneKTpoHHbrx AeHelKHbx cpercrB.
10. flostrtrreHfie penra6em,Hocrlr onepaqufi 3a cqer rexHoJrorr43arryrkr rr craHraprr43arlnIz
6usuec-npoqeccoB.
1. [ansnefiruee pa3BI4TV e KJII4eHTcKofi 6azst rcpr.r4zrrecKnxu
$uzuuecKr4x Jrr4rl.
12'Pazpa6orxa ru6lcoro MexaHlr3lra, o6ecneqr4Barorlefo 6ucrpoe co3AaHrre 14 BHenpeHr4e HoBbrx
6anroecrux nporyKToB I'I ycnyr na 6ase coBpeMeHHux znQopnaarlr4oHHbrx rexHonorrrfi c y.reronr
pacryrrlux rpe6onanufi .
I 3. IlosrrureHlre craHAaproB KaqecrBa o6clyxnnaHr4r KJrr4eHToB.
14. flosuneHze crpeccoycrofiqusocrz 6zsnec-uo4eru B nepcleKTr.rBe
ronrocporrHofo
uraHr4poBaHr.r.rr c oAHoBpeMeHHbrM pocroM penra6elrHocra.
flepcuexrunu pa3Bzrrun Basr<a npeAcraBnqlor co6oft cr4creMy B3arrMocBr3aHHbrx vr
B3aI'IMoIoloJIH{FouIux 6aslconclctzx rIoJII4Tr4K no orAeJlbHrru c(fepaM AerreJrbHocrr{, KaxAa-s H3
Koropblx coAepxLIT KoHKperHbIe IIeJrv u 3a4a'tn EaHra, c$opnrynupoBaHHbre Ha rrep14oA 2015 2016 rr.
1
6. OTTTBT O BbrrrJrATE trrLBI4I\EHtrOB
flo zroranr 20r3r. Bauxor,r [onyrreHa npz6r,ur B pa3Mepe
167,5 u,tc. py6nefi.
27.06.2014 foAa roAoBuna O6urzu co6paHzevr aKrlr.roHepos AO (PyCCTPOIZEAHK> 6rrro
flpzHtro pellleHze AHBI4AeHAbI 2a2073 ro4 ue BbrrrJrarrr.rBarb, ocraBrzTb HepacnpeAeneHHyro
npz6ull B pacnop.flxenun Eanra, B ToM qr{cJre, qacrb qucrofi npz6rrlz EaHlca, nonytreHHarr rro
HroraM 2013 rola B pa3Mepe 8,375 rnrc. py6nefi 6rma HarrpaBneHa Ha rrorroJrHeHr4e Pesepnnoro
$oH4a Eanra.
7. OIIULCAHI4E OCHOBHbIX OAKTOPOB PI4CKA, CBq3AHHbIX C
IEflTEJTbHOCTbIO EAHKA
AHarus npoBoAIrMbIx Eaurou onepaqufi Ha npeAMer HaJrr4qpr{ KoHrleHTparlr4kr
npvHarMaeMbrx
pI4cKoB rlo3BoJltrer cAenarb BbrBoA o roM, r{To ocHoBHafl. pors. coBoKyrrHoro prlcKa
(rpe6onanuft r
Kanl'Irany Banxa) npuxoAlzrc.s Ha Kpelurnrrfi pzcr (oxolo 88%). Ha onepaquouHrrfi pncr
npLIXoAI4Tct MeHee 8%o, sa punouHufi pLIcK
- MeHee lo/o, sa pr{cK npoqeHrHofi craBKa - 4Yo,
cneAoBareJlbHo, 3TI4 pI4CKI,I He Moryr paccMarpr4Barbc.fl KaK Llcror{Hr,rKr4 KoHIIeHTparIr4r{,
B panaxax aHaIrL,.:,a rorreK KoHIIeHTparILtra KpeAr4THofo prrcKa, cneAyer orMerr,rrb, uro o6:serrr ccyA,
rIpeAocraBneHHbIX orAeJrbHoMy 3aeMtUzKy (rpynne cB{3aHHbrx 3aeMulr.rKoB), n or.rernoM rreprroAe
He npeBbIIIrtuI ycraHoBJIeHHbIX EaHrorra Poccztz npeAenbHbrx sua.{eHlrft (Ha oruern}ro lary
HopMarr.rB H6 cocraert22.33 [pr'r MaKcrrManbHoM 3HarreHr.rr4 3a nepvoA 24.97).
t4
C
IIeJIbIo orpaHllr{eHllr KoHIIeHTparIr4r4 Kperr,ITHoro pl{cKa B mHolrreHr4ra f{acrHr4KoB
(axquonepon) EaHxa 3Har{eHLIe HopMarr4Ba MaKcrrMaJrbHofo pa3Mepa KpeA}rron, 6anroBcKr4x
rapaurzfi u rtopyql,IreJlrcrB, npeAocraBJreHHbrx Banrov cBoktM f{acrHr4KaM (axqzonepau) (H9.1),
B TeqeHlze nocJIeAHIzx ner rloAAepxr4Baercs Ha ypoBHe KparHo Hr.rxe ycraHoBneHHbrx Eanrowr
Pocctzz [peAenbHLIX 3HaqeHr4fi (na orqerHyro trary - 10.34 rryu MaKcr.rMnJrbHoM 3HarreHvrv 3a
ilep[o.4 - 13.88 Iz MaKckIMaJIbHo Aonycrr.rMoM HopMarr4BHoM 3HaqeHllu 50,0), AnarolllqHas
TIoJII,ITI4Ka rIpoBoAI,ITc.t B orHorrreHr,rr,r HopMurvr,a coBoKyrrHofr. seru,rulabl pr.rcKa no zHcafi4epalr
Eanxa (H10.1), rcoroprrft B reqeHr4e npoAomro.rreJrbHoro repr4oAa noAAepxr{Baercfl, BaHxonr ua
ypoBHe He BbIIIre lyo, a Ha oTrlerHylo Aary paBeH 0,5lyo (npz npeAenbHoM 3HaqeHVr{,
ycraHoBneHnou Eanr<ou Poccraz, n pa:naepe 3%)
Eanx s cany I{cropl4qecKlzx rrprzrrr,IH, aKTr.,rBHo KpeArrryer rrpeArlpI4rrr4{ crpor4TeJrbHoro ceKTopa,
npeI4MyIrIecrBeHHo s Mocxee z Mocxoscrofi o6nacrr{, rrro onpeAenf,er Hanr{qne orpaclenoft u
peD4oHanluofi t<ouqeHTpaIII4I4 KpeAzrHbrx przcKoB. O4Haro, srr.r [po.{BJreHr4r KoHrIeHTpaU[pr
KpeAI4THoro pl4cKa Ao HeraBHefo BpeMeHrr B 3HarrrzrelrHoit Mepe HvBennpoBanr4cb, ecJrr{ rrplrHrrb
Bo BHI4MaHI4e orHocI4TeJIbHoe SuHanconoe 6naronoryqve yKa3aHHbrx Bbrrrle perl4oHoB,
onpeAensloqee ycroft'{aerrfi cnpoc Ha o6rerrbr HeABrrxrzMocrrz, KaK co cropoHbr
$uszuecrux
JII'III' TaK 14 co cropoHbl opfaHu3anluit, a raK)I(e nocneAoBareJrbHoe pa3BLITr4e (npn axrranuofi
noAIeplKKe Qe4epalrnrrx v MecrHbIX nnacrefi) MuoroarrrcrreHHbrx nporpaMM r.rrroreqHofo
KpeAlzroBaurzs. 3auerHoe cHI4iKeHIze cnpoca na o6rerrbr He,4Bl{xr,rMocrr4 I,rMeJro Mecro B KoHrIe
orqerHofo roAa, qro npex(Ae Bcefo 6rt.[o ce.f,saHo c cyrqecrBeHHbrM rroBbIIrreHI4eM craBoK no
IZIIOTEqHbIM KPEAIZTAM, OAHAKO 3AflBIIEHVIfl IIPABIITEJIbCTBEHHbX qIdHOBHI4KOB O HEN3MEHHOCTII
Kypca Ha pa3BLITI4e l4rlorerrHoro KpeAVToBaHkr\ o6ecue-{eHue rocyrapcrBeHHofo
pe$nnaucrzpoBaHrls grI4x KpeAI4ToB, BHeApeHr4e nporpaMM pecrpyKTypL1ar\uvt Lr
coorBercrByloull4e peanlHble Ixarla e srofi o6lacru s 6rraNafiuefi nepcuenu4Be AoJrxHbr rrpr4Becrr4
K oxLrBJreHr.IIo pbIHKa o6t er<ros HeABr,rnfl4Mocrr4.
KPENI4THbIfr PI4CK
lerrelrnocrs Eatrxa
Bo3HzKaroUI{x
B
rloABepxeHa KpeAr4THoMy pr,rcKy, T.e. prrcKy $uuauconux rrorepb,
pe3ynbrare HeIzcnoJIHeHus o6ssareJllcrB 3aeMuILIKoM HJrr4 KoHTpareHToM BaHlca s
ycraHoBnenurdl cpoK.
Kpe4rzrHaa rIoJIIrrLIKa EaHKa, pa6ora Kpe4urnoro ra llzuurHoro KoMr4TeroB 14 coorBercrByroq[x
crpyKTypHbIX [onpiB4elenvft HarlpaBneHa Ha cHI4xeHue KpeAr{THbrx prrcKoB, .ryo o6ecneqrzBaer
yc:rofivunocG Banra B ycnoBl4{x pr,rHoqHofi sr<osorrazxu. llpz KpeAprroBaHraz Eanx orAaer
npeAIIoqreHI4
e, IIp\l [porrl4x paBHbrx ycroBkrsx, KJrr4eHTaM,
o6clyxnnaHlrt4
B
COCTOTTqI,IM Ha pacrrerHoM
Banxe v [poBoAtIrII,rM qepe3 Eanr 6omuryro qacrb cBokrx $znanconux rroroKoB.
llpe4noureuue orAaerct
KJIz
eHTaM, r4MerorlrrM ycrofiuznoe QraHancoroe
noJIoxI{TeJIbHyro KpeAI4THyIo Ircropl4ro, croco6nrnra [peAocraBI,ITb Aocraror{Hoe
o6ecneqeHue.
rroJro)r{eHl,re,
rI
Jrr4KBIznHoe
oqeur<a KpeAI4THoro pt4cKa rlo ccyAaM, [peAocraBJreHHbrM KpeAr4THbrM opfaHrr3arlu-sM Lr
ropI4II'F{ecKVM JII4UaM, He rBJrrrorrlr{Mcr KpeAr,rrHbrMr.r opraHr43arlprsMt\ s 2014 roAy
ocyUecrBntJlacb Ha zH4Iaua4yalHrofi ocHoBe, IIo pe3yJrbraraM KoMrrJreKcHoro a1grv3a
Ae-f,TeJIbHocrI'I 3aeMrllzxa. Ha gToM grarle [poBoAl{Jracb orIeHKa AocroBepHocrlr [pelocraBJreHHbrx
3aeMIrII'IKoM QzHauconslx
14
I4HIIX AoKyMeHToB, a raKxe BbrrBJr-rrJrr4cr o6crosreJrbcrBa, Koropbre
Moryr cBlrAereJrbcrBoBarl o6 orcyrcrBnLr
y 3aeMrrlr4Ka pealrnofi AerreJrbHocru. Kareropux
KaqecrBa ccyAbl LI BeJII4qLIHa pacqerHofo pe3epBa Ha Bo3MO)r(Hbre rrorepr4 no ccyAe onpeAenflrorc_fl
Ha ocHoBaHI4I'I
OIIeHKI4 $IaHanconoro roroxeHr,r.f, 3aeMnllrKa (pauNraporauue 3aeMrrlr4Ka
rIpoBoII'ITcs Ha ocHoBe aHaJILr3a 6arancosHx lloKa3are neitu oIIeHKIT 6usneca saerurqzra), KaqecrBa
o6clyNznaHllfl 3aeMrIII4KoM ronfa fro ccyAe, c [poBeAeHr4eM alanvaa r4Hbrx cyrqecrBeHHblx
Qaxropon, a raK)Ke c yrreroM ecefi IdNaercuefics B pacnopfiKeuyru Basxa uHQopnaarlrru o 3aeMrrlr4Ke.
oqenxa KpenLITHofo pt4cKa B orHorrreHura 6aHxon-KoHTpareHToB npoBo rrrrcfl. Ha ocHoBe aHarru3a
zx $uHancoeofi olrerHocrkt, B ToM qr4crre - crpyKTypbr rzx aKTr,rBoB v Kann-ralra, r<pe4arno-i
l)
ncropvfii, AenoBofi penyrallult 14 orHorueHzfi c Banxon. Kareropufl KatrecrBav craBKapacqerHoro
pe3epBa orlpeAenflIorct I4cxoAt LI3 orleHKrr SuHanconoro [oJro)KeHr4{ 3aeMllr,rKa, KaqecrBa
o6clyxunaHl4t AoJIra, a raK)Ke r4Hbrx cyrqecrBeHHbrx $axropon, npr4cyrrlrzx AerreJrbHocrr4
6aHxos-xoHTpareHToB.
oueHxa KpeApITHoro pl4cKa rlo ccyAaM, rrpeAocraBJreHgbrM SzsrzvecruM Jrr4rIaM, ocyqecrBn flerc .
KaK Ha vlJI.Iri.Blzl.yanr,Hofi ocnoBe, TaK I4 c IlcrroJrb3oBaHr.reM noprsenrHoro rroAxo4a (n cny.rae
OII€HKI4 ccyA, rIpe,4ocraBJIeHHbIX B paMKax nporpaMM r.rrorerrHoro kr lorpe6ureJrbcKoro
KpeAl{ToBanrzx). (DunaHcoBoe rIoJIo}I(eHr4e 3aeMrrlr4Ka orleHr4Baercr Ha ocHoBe paHxr{poBaHr,rr,
yrl[TblBaloqefo noKa3areJlu ero Marepr4aJrbHofo 6larococroxnur (oqeuKa r]Jrarexecnoco6Hocrz,
HaJluque co6crseHHocru), coquanbHoe Ilonox(eHr4 e (celrefinoe rloJroxeHrle, 3aHrzMaeMaJr
AoJlxHocrb, crail( pa6orrr, o6pa:onanue, orpacJrb, B Koropofi pa6oraer 3aeMrrl[r), r<pe4nrnyro
Ircropl4lo v IzHbIe o6croqrelrcrna. flant ueftmax orIeHKa [poBoII4Tcs c yr{eroM Kar{ecrBa
o6clyNunaHr.rr Aonra 14 r.rHbrx cyqecrBeHHux Sarropon.
flopr(fenrutrfi noAXoA rlpeAnonaraer orIeHKy KpeAhrHofo pr4cKa Ha ocHoBe arrurvsa
TIHTeHCI4BHOCTLI MTITpAWV ACyA IIO [apaMerpy [poAoJrxr.rrenbHocrr.r lpocporreHHbrx
nlareNeft c
.4allneffnruM pacrreroM BepotrHocrlr norepb no noprseJrro oAHopoAHbrx ccyA B rlenoM.
CgzXeuuro creneHll KoHueHTpaIIr4r4 pLrcKoB nprr KpeAr4ToBaHr,rI4 ropr4Aur{ecKr4x rI
Qusuuecxux nr4rl
cnoco6crnyer rlplzHtraq e EaHKe npaKTI{Ka ycraHoBneHvrfl IrvtMprroB KpeAr4ToBaHr{r na
Sznlranu
Banxa, 4IlnepczSuKaqlzt npeAnafaeMllx KJrr4eHTaM KpeAurHbrx nporyKToB, peryn-flpHoe
loryrleHl4e orqeroB o KpeAVTHbIX r,rcropr,rqx noreHrII,raJrbHbIX 3aeMrrILrKoB zs 6ropo KpeAr4THbrx
uc:Iopuit' Cunxenzro KoHIIeHTpaIII4I4 KpeAr.rrHofo prrcKa raKxe cnoco6creyat ,o6nroAeHpre
HOpMarIzBa MaKcI4ManbHOfo pa3Mepa pr4cKa Ha oAHoro 3aeMrrlr4Ka r{Jrr4 fpy[Ily cBr3aHHbrx
3aeMIrII4KoR' Banx orpaHl4qllBaer KpeAlzrHbre prrcKr,r fro cAeJrKaM co cBr3aHHbrMr4
c Banr<ou IrkilraMLr
NYTCM YCTAHOBNCIJIdIfl.IIII}{IZTOB II
CIENOK
COECTON4 AI4PEKTOPOB.
YTBEPXAEHI4-f,
B qelxx 4Iznepcu$zKaullld I,I cHLDKeHITfl KpeAr4THbrx prrcKoB Eanr alcru""o p*""uaer pa3nr4r{Hbre
IIporpaMMbI norpe6ureJlbcKofo I4 I4florerlHofo KpeAr.rroBaHkrr. Havr6oree cyuecrneHHoe pa3Br4Tr4e
B orqerHoM rlepl4oAe rlonyqunl4lrnoreqHbre nporpaMMbr Kpe,4r.rroBaHut
SusuuecKr.rx Jrr4rl B paMKax
corpyAHnr{ecrBa c OAO (AI4}(KD (<BoeHuax l{rroreKa)), <Boenua.f, r4rroreKa-Honocrpofixa>,
<flepeueuuaf, craBKa), <Hoeocrpofirca>, <Cran4apr> z <Marepuuct<uit KarrrzTaJr) z np.), u run*a
I{HbIe nporp aMMbr r4lroTerlHo f o KpeAI4
TOB a]F^rrfl.,
Ha prrure MEK Basr rpaAIzIIIzoHHo
npr4.(epxr4Baerc.r{ no3r.rrl[M Ha r.rcKJrroqeuue co6crneunofi
or pbIHor{HbIX 3aIrMcrBoBauuit, [pr.r sroM yMepeHHo pa3Merrlaer cpercrBa B KpynH6rx
6anxax, or.4aBas [peAnoqreHl,Ie HaAexHocrr4 KoHTpareH'ra) aHeAoxoAHocrI4 KoHKperHo[
ccyAu.
BHe6anascoBble KpeAIrrHbIe o6ssaremcrBa rrpercraBJrrror co6ofi Her4crroJrb3oBaHHbre
Kpe.{arHbre
JruHLrvr' rapaHTI4I{ vrv aKKpeAI4TI4BbL Kpe4urHufi pzcK rro
$zuanconum r.rHcrpyMeHTaM,
yqI4TbIBaeMbIM Ha eHe6anaHcoBIIX cqerax, otrpe,4enrercr KaK BeporrHoarb
norepb r,r3-3a
HeBo3MoxHocrI'I 3aeMrIII4Ka co6lro4am ycnoBlIr v cpoKrl KoHTpaKTa. llo orHorxeHhro
K
KpeAI'ITHoMy pl{cKy, cBq3aHHoMy c nne6anaHcoBblMl{
t4Hcrp}MeHTaMr4,
Banx
$raHaucontrMr{
rIoreHIII'IiubHo Hecer y6rrrox, panuufi o6qefi cyMMe Her{crroJrb3oBaHubrx Kpe4r.rrHbrx tunuft,
B
orHoIxeHIrIz ycJIoBHbIX o6-tlgarerbcrB KpeIrITHofo xapaKTepa BaHr rrpr.rMeH{er ry xe KpeAr,rrHyro
IIOJIIZTI'IKy, rITo 14 B orHoIrIeHHLi orpaxeHHblx s 6anaHce
SznaHconrrx r{HcrpyMeHToB, ocHoBaHHyro
(npuir'teuenve craHAaprHbIX MeroAr'rK vr rrporleAyp, yrBepxreHr,re Jrr4Mt4ToB, reryqufi
lrouuropunr).
3aBI4cI'IMocrI'I
CTPAHOBOfr PIICX
Oqenna crpaHoBoro pl4cKa ocynlecrBn fl.ercs. Ha ocHoBaHr4r4 aHurvsa srouoMuqecKoft Lr
rloJll4Tl4qecxofi curyaql{\4 B crpaHe, oco6enuocrefi Hallr{oHanbHoro 3aKoHoraTenbcrBa,
a ra6xe
orHeceHlzt crpaHbl K r{acny crpaH, I4MeroilI[x crpaHoBbre orleHKrz no xnaccustrKar\Lru3xcnoprurx
Kpe4urHrrx AteHtcln, yqacrByloruux B corJrarrreHr4kt crpaH rrJreHoB opranzlaqzz
gKoHoMt4rlecKofo corpylHuqecrBa v pa3BrrrLrs (06
ocHoBubrx [pLIHrII4nax npeAocraB rre1r4s. Lr
16
rrMeroqrx o$uqnanbHylo noAAepxKy) vtrruK o$@uropanr.
opvrn-nercr rpo (f eccr4o HaJrbHo e cyxAeHr4e.
Berra.rnHa aKTr.rBoB EaHlca, Koropbre rroreHrlzanbHo Moryr 6urs no4nepxeHbr crpaHoBoMy pncKy,
ucrlonb3oBaHr4.rr DKcrroprHbrx KpeAr4ToB,
flo zroraru
analrvrsa
oQ
onpeAensercfl cpe.4crBaMr4, pa3MerqeHHbrMrz Ha KoppecnoHAeHTcKr4x cqeTax B
6anrax-uepe3r,rAeHrax, r4 oueHr.rBaercr Ha 01.01.2015 s 208 090 rrrc. py6nefi,. flpn'srou nce
cpeAcrBa pa3MeuleHbr Ha KoppecrroHAeHTcKr4x crrerax s 6aHrax-Hepe3rrAeHTax crpaH Enposouu c
BbIcoKr.rM ypoBHeM AoxoAoB. B orHorrreHrrkt aKTLtBoB, s o6reN[e 202 474 Tbrc. py6rcfr,
pa3MerrleHHbrx Ha Kopcrrerax e 6anxe VTB Bank (Deutschland) AG, {BJrsroqeMcs pe3r{.4eHroM
(De4eparnnnoft pecny6ruru fepuaHra.a, crpanoeofi pI4cK olleH:z.Baercs. KaK Mr{Hr,rMalrnrrft.
Crpanonofi pt4cK nprrcyu aKrr.rBaM s o6relde 5 616 Tbrc. py6nefi, pa3MerrleHHbrM B
6anre-pe:uAeHTe Kunpa. Hecuorpa Ha ro, uro Kunp orHocurc-s K crpaHaM Enposonrr c BbrcoKr.rM
ypoBHeM AoxoAoB, o6ocrpeune 3KoHoMr4.{ecKofi cvryarJvrv s erofi crpaHe Mo)Ker crarb nprEur,ruofi
rroHeceHlrs Eaurorrl y6lrrxon. B reqeuue orqerHoro trepl{oAa 3KoHoMzrrecKarr cl,ITyarJlrfl, B
Pecuy6nur<e Kznp flocrerleHHo cra6rarusIzpoBanacb r.r B rrocJreAHee BpeMr oKcneprbr orMerraror B
crpaHe tBHbIe IloJloxrzTeJrbHbre r43MeHeHr'lfl, oAHaKo B orrrerHoM nepl{oAe Eanlc, t4cxo4s. u3
npaHIII,Ina ocropoxHocTI4, oIIeHI{Ban ypoBeHb cTpaHoBofo pr4cKa AJI.f, cooTBeTcTByroqt4x aKTr,rBoB
KaK orJll4rluufi or ((MI4HI4MaJrbHoro). Harzque crpaHoBoro pvcKa yqreHo KaK cyulecrseuuttfi
(paxrop rlpkt oIIeHKe Kar{ecrBa coorBercrByroqux aKTrrBoB Lr e erofi cBr3t4 BauK cos4ar
AoTIoJIHI{TeJIbHbIe pe3epBbr Ha Bo3Mo}I(Hbre norepra. B qelovr, [po.f,BJreHr4{ cranoBofo pr4cKa Hoctr
eArIHLIqHbIfi xapaxrep Ii Hq oKiBbrBaror cyqecrBeHHoro Brrprn:n:lrs. na Sr,rHaHcoByro ycrofiuunocru
Eanr<a.
PbIHOTIHbIIZ PIICK
EaHr no4nepraerct BJIIr{HI4Io pbrHorrHbrx prrcKoB, cBs3aHHbrx c HirJrvqr4eM orKpblTbx uo:urqzft no
npoIIeHTHbIM craBKaM v BaJIIorHbrM t'rHcrpyMeHTaM, rro.4BepxeHHrru o6rquM v crrerlr4Qzuecrulr
xole6anns pbIHKa. Baux ocyulecrBr.ser yrrpaBJreHr4e pbrHotrHbrM pprcKoM rryreM perynxpnofi
oIIeHKIT TIoTeHIII4aJIrHLIX y6rnxon B pe3ynbTaTe HeraTr,rBHbrx KoHbroHKTypbr pbrHKa, a TaKme
ycTaH o BneHld.fl u no [Aep)r(aHl,r.f, cooTBeTcTByroqux JIr{MIIT0B.
Prrnoqnr,Ifi pI4cK BKJIIoqaer B ce6x: SoH4onufi pzcr<, lporleHTHufi pzcx r.r BaJrrorHbrfi pucr. Oqenxa
BeJII,IqI{HbI rpe6onanufi r ranuraly Eanra Anq noKpbrrprr pbrHorrHofo pr4cKa ocyqecrBnfl.ercfl, B
coorBercrBLtu c lloro)KeHlieM Banxa Poccurz or 28.09.2012 rona N 387-n "O nopx4xe pacqera
KpeILITHrIMI{ opfaHlr3awrflMtr BeJrr.rqr4Hbr pbrHorrHoro pucKa". B 2014 roAy He rrpor.r3orlno
Ir3MeHeHI{fl B cocraBe grllx pI4cKoB 14 MeroAax orleHKrz r{ ylpaBneHvs. gruMr pircKaMr4 s EaHKe.
P I,I C
PucK rltxslrAHogrlr cBt3aH
c
K JII4KB I4NHO
CT
I,I
neo6xorr4Mocrbro Hurvrqvg. cpe.qcrB, rocrarorlnbrx AJIfl BbrAarrkr
[o rrpoqr4M Sznaucoerrru I,IHcrpyMeHTaM rro Mepe
BKJIaAoB v BbIrIoJIHeHI4t o6ssaremcrs
HacTyrrneHr'tr cpoKoB BbrrrJraT.
B
.
'
parr,tr<ax
[polleAyp no ylpaBneHr.rro
pr4cKoM nrrKBrrAHocru Bauxorr,r [poBoArrc-f,:
BeAeHraenoprlpeJrrBbrcoKonr,rKBr4AHbrxaKTr,rBoB;
ocyUecrBJIeHLIe exeAHeBHoro MoHrlTopr,rHra olrl4AaeMbrx nocryrrneuuit u rrltareNefi s
Ilenflx orleparlzBHoro ycrpaHeHzr rrpeAnocbrJroK Bo3Ht4KHoBeHzx 4e(pzqr.rra JrLrKBr4AHocrrr;
orcJIelKI,IBaHI4e 6arancostlx rcoeoQuqrzeHToB JrkrKBr{AHocrr,r pt Lrx coorBercrBr,re
'
HopMarr4 BHrru rp e6 on auvrflM;
MOHI4TOpIaHT paCqeTHLIX gHaqeHrafi rloKa3aTenefi ouenxz JII4KBT,TAHOCTT,I, Onpe4elrfleMblx B
'
coorBercrBula c YKasauueu IfB PO J\b2005-y " 06 orIeHKe eKoHoMlrqecKoro rroJrolr(eHr.rx 6auxor";
ycraHoBKa JII4MLTToB rII4KBr.{IHocrr4 rr olpeAeneHr,rr MeroAoB KoHTpons :a co6moAeHlreM
'
yKa3 aHHbIX JrLrMr,rTOB ;
'
ynpaBJIeHI4e KoHIIeHTpaIIueft
u crpyr<rypofi cpoKoB
rrofarrreHrz.rr 3aAoJrxeHHocrr{;
l1
'
KoHTponb pe3epBoB JILIKBI4AHoCTI4 c IIenbIo oIIeHKI,I Bo3MoxHocTefi EaHKa
[o
npl{BneqeHulo
pecypcoB;
peryn-apHoe crpecc-TecrIrpoBaHr4e cocro.rrHr4-rr JrI{KBr4AHocrI,I Eaura, a raK1e
4eficrnzfi no BoccraHoBJleHr4ro neo6xo4vrvroro ypoBHf, JII{KBr4AHocrt4 B cnytrae
ne6laronprrrrHbrx yclonufi r.rJrr4 Bo BpeMs Kpv3vaa
pacqer BeJII4rrI{HbI pI,IcKa KoHueHTpa\uunaccvrnon (pzcra BHe3arrHoro orroKa nacezeon) u
'
'
nnaHl{poBaHIae
OIIEHKA BIIIIflIJI/.I. STOTO PI4CKA HA IIOKA3ATENI'I JII4KBI,IAHOCTI4 EArrXA.
He cuorpx Ha 3KcrpeMaJIbHo BbrcoKyro BoJrarr4JrbHocrb BanrorHoro pbrHKa e 4exa6pe 2074 rola,
Banry 3a cr{er aAeKBarHofo 14 orreparr4BHofo pearr4poBaH:aflHa cnoxrzBrrryrccr cr.rryarlr{ro yAanocb
Hapacrl4Tb o6retru nr4KBr..rAHbrx aKTrzBoB, Heo6xo4zurre nlrfl, r{crroJrHeHr,rt Bcex cBor4x
o6r:atelrcrn, ug6exart HapyueHr4-s HopMarr4Bon urnoneuuofi, renyruefi rz AonrocpoqHofi
JIIIKBI4AH O CTI4, A TAKXE C O3TATb 3HAI{V TEIbUUfi < 6YS EP JII4KBI'IAH OCTI,I ).
Oqeuxa Blrtrsnrrfl. pl{cKa KoHIIeHTparIuu, cB-q3aHHoro c BHe3arrHbrM cnr4caHr4eM cpeAcrB
KpeAlrropaMrz (nnna4-rzxarrtu), Ha cocro-rrHue rrzrnBkr1Hocrlr Banra ue o6uapyrfl.rJra cyqecrneuuofi
Bepof,THocru Heco6lro!:e]F.rrfl. HopMarI,rBoB KparKocpo.rnofi Jrr,rKBI,rIHocrz. Oqenrca uaxcnlralrnofi
BeJILMI'IHbI BepotrHbx cnucasuitt cpe.4crB BKraAqvKaMu na 01.01.2015 cocraBJrrer 641 unu.
py6nefi, flparruuecKa{ peanl43arJtrs.pzrcKaBHe3arrHof o crncalvrfl.cpeAcrB BKrarqr.rKaMu n
4erca6pe
E anrolr H opM arr4B oB JrrzKBr,r.4Ho crI,I.
Belnqusa rroKa3areJlt |IKn (LCR) (noxa:arenb KparKocpouuofi Jrr4KBr4AHocrz), paccvuraHHoro
na 01 .01.2015 cocranula l.l3, r{To rro3BoJrrer cAeJrarb BbrBo,q o ero coorBercrB}rr4 ueJreBoMV
He rrpl,rB ena K HapyrxeHzro
opr4eHrr4py (ne laeuee 1.0).
OIIE PAUI4O HHbIIZ
PPI
CK
onepaquouHuft pucx - gro pI4cK Bo3Hr.rKHoBeHr4f y6rrrxon B pe3yJrbrare HecoorBercrBr4s
xapaKTepy Lr tr,tacllrra6arr,r AetreJIbHocrLI rpe4rzrnoft opraHr,Barlr4r.r Lt (unrE) rpe6onanzxnr
4eftcrnylorqero 3aKoHoAareJlbcrBa BHyrpeHHr{x noprAKoB 14 rrpoqeryp rrpoBe [eHprfl 6alrxoecxnx
ouepaqufi I{ Apyrl4x cAeJIoK, rrx HapyueHvrfl cny)KarrrrzMrr rpe4rarnofi opraHr.r3arluuu (u1u) r,rHbrMr.r
nIzIIaMV (ncle4crnze HeKoMrIereHTHocrt4, HerrpeAHaMepeHHbrx r4nlz yMbIrxJreHHbIX
ileficrsuia uru
6e:4eficrnux), Hecopa3MepHocrkt (ne4ocrarovuocru) (fyHr<qzonaJrbHbrx sosN4oxuocrefi
(xapaxrepucrux) [pI{MeH.[eMbIX KpeAlrrHoft opranzsauuefi raH$opuaqrzoHHbrx, TexHoJrofriqecKr,rx
Ir Apyrl'ix crlcreM n (uttu) vx orKa3oB (napyueHzfi SyurquoHr.rpoBaHr4-s), a raxxe B pe3ynbrare
no:4efi crnur BHerrrHr{x co6trrufi .
B qensx MI'IHI4MII3aIIHLI olepallr{oHHofo pkrcKa EaHrou [poBoAr4Tcf, alarfir3 crerreH1r
plzcKoBaHHocrlr BHeApeHI4s HoBbrx rexHoJrorzfi s qacrvr t4x oKyrraeMocrn z 6esonacHocrr4,
nposunaxuxa c6oee pa6oru o6opy4onaHufl vr npv:v,eHseMr,rx zu$oprvraqrroHHbrx cr{creM, rryreM
Ay6tuponanur- nnQopuaquu, co3raHlrrpe3epBHbrx 6az AaHHbrx 14 BcrroMorareJrbHbrx
[pofpaMMHbrx cpeIcTB.
C qelrro MoH[ITopI4Hra onepallr4oHHofo pr{cKa s Eanxe co3AaHa r{ nocrorHno o6noer xercs, 6aza
AaHHLIX, aKKWyJII4pyIoqaq Bce BbUIBJIeHHbIe cnyqar peanl,I3alluz olepaUr4oHHoro pr{cKa. B Banre
ocyqecrBn{ercs pacqer orlepallrIoHHofo prlcKa 6a3osrrN4 rrHAr{KarrrBHbrM MeroAoM, loryr{eHHa.f,
BeJIIZqI'IHa I'ICnOnByeTCfl n.Jrs pacrleTa IIoKa3aTen{ AocTaToqHocTI{ pefyJltTr.rBHoro KarrtrTuIa.
V6urru, BLI3BaHHrIe peanlr3aul4 efi onepaquoHHoro p[cKa, orleHr4Baror cs n 2014 roAy coBoKynHo
(pealtnrre I4 noreHrlr4a,rruue) n 8135 ruc. py6neft, rrro 3Har{ureJrr,Ho McHbrrre BeJrr{rrrrHbr,
paccunrauuofi B coorBercrBIrll c 6asoerru rrHArzKarzBHbrM MeroAoM (209 MJrH. py6lefi).
Ocnonnr,re y6urrz cB.s3aHbI c yrparofi Marepr4anbHbx aKTr,rBoB, HeAocrarKaMr4 6anroncxux
npoAyKroB (unorerca), HapyureHWMIr B pa6ore o6opy4onanzs Basxa H nocraBilIrrKoB ycJryr, a
Tarcr(e c ourz6xauz n pa6ore corpyAHr{Koe BaHKa.
B Eanre ocyruecrBnfle'rcfl. pacr{er oneparlr4oHHofo prrcKa 6asonrna r.rHArrKarr4BHbrM MeroAoM,
nonyr{eHHat BeII4qUHa I{CnOnL3yeTCfl. Anfl pacqeTa HOpMaTI4Ba AOCTaTOTIHOCTI4 pefyn.f,Tr..IBH0fo
18
r<oe@
Tpe6onauzx
K
KanI,ITany
Quqn elrna 72.5) oueHr4 Baror cs s 26
KarILITaJIa.
B orHorrreHr,re K
I 17 9 rsc. py6nefi
oneparluoHHoMy pr4cKy
(c
yqeroM
.
B qersx
cHLIx{eHI4{ oleparlrroHHoro pr{cKa Eanx opfaHr.r3yer n ycraHaBJrr,rBaer rrpoueAypbr
BHyrpeHHefo KoHTponfl 3a rrpoBe.4eHr{eM onepaqzfi B noApa3AeJreHrrrx Eanna. Czcreua KoHTpoJrt
rlpeAycMarpLIBaer s(p(per<rzenoe pa3AeneHr4e o6sgaHHocrefi, npaBa Aocryna, rporleAypbr
yrBep)I(AeHI4t, AoKyMeHTI,IpoBaHr4fl a cBepKIz, coorBercrBpre rpe6onauurM 3aKoHoAareJrbcrBa lr
HopMarI.IBHbIX aKToB Banxa Pocczz, paspa6orr<y rrJraHoB rro rroAAep)KaHr,rro AerreJrbHocrr.r B
HellrrarHbrx cnryar\Lrflx, o6yveurze lepcoHana, a raKxe [porleAypbr orleHKrz.
TIPABOBOI,I PIICK
flpanonoft plIcK - pI4cK Bo3HLIKHoB eHkrfl. y xpe4uruofi opfaHr43arlua y6rrrxoB BcJreAcrBr,re
neco6mo4enur rpe4Iaruoft opranusaqzefi rpe6oeanzfi HopMarr4Bnbrx rrpaBoBbrx aKToB vr
3aKrloqeHHbx AoroBopoB, AorlycKaeMbrx rrpaBoBbrx ourrz6ox npll ocyqecrBJreHr4l,I AerreJrbHocrl4,
HecoBeplxeHcrBa lpanonofi cr{creMr,r (nporznoperrvBocrb 3aKoHoAareJrbcrBa Poccaficr<ofi
(De4epaquv, orcyrcrBlle [paBoBbIX HopM rro perynr{poBaHr4ro or4eJrbHbrx BorrpocoB,
BosHLIKaIoqIrx B rlpoqecce AetreJrbHocrr{ r<pe4zrnoft opfaHr43auvu), uapyureHu;r KoHTpareHTaMr4
HOpMarr{BHbrx rrpaBoBbrx aKToB, a rarcKe yclonzfi 3aKJrroqeHHbrx AofoBopoB.
Oqenry vr aluru3 npaBoBofo pr{cKa npoBolrzr Crry>n6a BHyrpeHHero KoHTpoJrl (CBK).
Cnyrx6a BHyrpeHHero KoHTponq BeAer 6azy AaHHbrx o co6rrrz-sx [paBoBoro pr4cKa vr
ocyluecrBrtler ero oIIeHKy 14 aHaJrLr3. Eanx npu:Haer 3HaquN,rofi serraqr{Hy roAoBux y6urron no
npI4qI4He peaJIV3aII[Ir flpaBoBofo pr4cKa, Koropa{ [peBbrrrraer I%oxanutala Banlca, paccquraHHoro
Ha rlocne.4Hloro orqerHyro Aary. PealrHue rr noreHIIIraJrbHbIe y6rrffiz, BbI3BaHHbre grI,IM Br4AoM
pl4cKa, s 2014 ro4y 6rrlu cyilIecrBeHHo Hr4)r(e [opora 3Harrr,rMocrr4.
Bnyrpeuuze HopMarLIBHbIe AoKyMeHTbr Banxa pa:pa6aruBarorc.f, B coorBercrBr.r[ c
4eftcrnyrorql4M 3aKoHolarenbcrBorr,r u rpe6oBaHr{.f,Mr4 Eanna Poccraz c yrreroM Bo3Mo)KHbrx
llgueuennil vr 4ononuenufi, v rrpoxoAlrnv o6rgaremnoe cofJracoBaHrre c lOpu4nqecKr4M
ynpaBneHl4eu Eauxa. B clyuae neo6xo4uuocrr.r 3aKJrrorreHprs. AoroBopoB, oco6rrvla ycnoBzrMrr
orJII,IqHbIMIr or craHAaprHbrx, AaHHbre AofoBopbl npoxoAqr o6gsaremHoe cofJracoBaHr4e co
cleIII4aJII'IcraMLI IOpu4vuecroro ylpaBneHr{f, BaHra. CnyN6a BHyrpeHHcfo KoHTponr Ha
locro.sHHofi oOrose ocyqecrBnter peryJr{pHbre npoBepKr.r rroApa3Aenenuft 6aHxa Ha npeAMer
co6lroAeuus nopflAKa corJlacoBaHr.ls HecraHAaprHbrx 0opr AoroBopoB c lOpu4zrrecK[M
yrlpaBneHl{ent Banra. Bce cryuau Bbr{BJreHHbrx HapyrxeHlrfi onepau{BHo AoBo [flTcl Ao cBeAeHr4s
pyKoBoAcrna Cnyx6ofi nnyrpeHHero KoHTpoJrfl.
Cu creu a Ko HTponf, np aBo Boro pr,rcKa rrpeAycMarpr.rBaer :
MoHI4TOpr4Hr COCTO-f,HLI{ I{ [apaMerpoB ynpaBneHr4r npaBoBbrM pT,ICKOM;
o
'
rocrosHHsrfi KoHTponb BbIrIoJIHeHLrr pa6orur,rKaMr4 crpyKTypubrx no4pa:4eleHufi
npeAycMorpeHHblx 6aHlconcxuMl,I craHlapraMr4 rrpoqe[yp, Brrvflrorqrrx Ha cocrorHrre npaBoBoro
pr.rcKa.
B qerqx MIrHI{MI43aIII4I{ npaBoBoro pr4cKa Banr ucnoJr*yer cneryrorque ocHoBHbre Mero,qbr:
craHAaprl43l{pyer ocHoBnrre OanroBcKrre oleparllM r,r cAenKrz (onpe4en.rer rropsAKr4,
'
IlpolleAypbl, TexHoJlotuz ocyqecrBreHr,r.s onepaqufi rr cAeJroK,3aKrroqeHnr 4oronopon);
ycraHaBJllzBaer BHyrpeuuufr. rroprAoK cofJracoBaHr.r.f, lOpn4z.recrczu ylpaBneHlreM
'
3aKJlroqaeMux BanroM AoroBopoB Ir npoBoArrMbrx 6anxoecKr.rx oneparll,tit u 4pyrux cIeJroK,
oTJrr,IqHbrx oT cTaHAapTrr3r,rpoBaHHblx;
'
o
ocyilIecrBJlter aHaJru3 Blrvsnrrfl. (paxropon [paBoBoro pracKa (xax n coBoKynHocrrz, TaK 14 B
zx rclaccnQuxaqnu) Ha rroKa3arenrr.4e-f,TeJrbHocrr4 EaHxa B uenoM:
H€l nocro.{HHofi ocHoBe npoI43BoAI4T MoHl,rropt4Hr asl,reHeHzfi 3aKoHoAareJrbcrBa
Pocczft
crofi
pa3pe3e
@e4epaqura.
l9
ppICK rrornpr,I AEnoBorZ
panyrAuplrl
Pucr norepl4 AenoBofi penyraqzra - prrcK Bo3Ht4KHoBeHrzf, y Eaura y6rrrron B pe3ynbrare
yMeHblxeHlrfl rlkrcra KJILIeHToB (xonrpareHron) BcJreAcrBr.re (foprr,rupoBaHr,rfl n o6r{ecrse
HerarI,IBHoro npeAcraBreHrzs o SunaHcoeofi ycrofiql4Bocrll Eanra, KarrecrBe oKa3bIBaeMbIX I,IM
ycnyf r,rnr4 xapaKTepe AerTenbHocTrr B rlenoM.
C qelrro ucKrlorreHux SopnrupoBaHLrs. HefarrrBHoro lpeAcraBJreHr.r.f, o $r,rHanconofi ycrofiur.rBocrrr
Eanr yAenter oco6oe BHpIMaHr.re opfaHrr3aur.rn noruoqeHHofi pr 4ocroeepnofi crrcreMbr
uy6luvnoro pacrpblrlar un(foprvra\vrLr B cpeAcrBax Nnaccosofi zn(fopnraqvrvr v Ha caftre EanKa e
IrIHrepuere.
Banr Ha nporf,xeHl4I4 HecKoJrbKZX Jrer rroBbrrrraer cBoe Mecro n pefirznrax KpeArrrHbrx
opraHI43allprfi. llo I4TofaM 201 4 roAa Eanr HaxoAr.rrcr na l4I Mecre rro pa3Mepy aKrr4BoB-Herro
(nonrnueHrae IIo3IIIIIII4 3a
nopr$enr (nonuureHue
rzq (nonu[reHr4e
rlpolreAlruft roA na 5 nrecr), ua 101 Mecre rro BeJrr,rrrr4He KpeAr.rrHofo
fol sa 17 uecr), na 93 uecre no o6tepry BKnaAoB Qvsu.recxux
no3I4IIIzpr 3a
roA na 4 rraecr).
BeAenue 6asrr co6rlruit, xuun:ltl{xcr cneAcrBr,reM peanr43arluvpLrcKanorepr{ Aeroeofi perryrarlzr4,
oIIeHKy Lr aHuvt3 ororo ptlcKa rrpoBoAr4T Cnyx6a BHyrpeHHero KoHTpols. Banx [pr,r3Haer
sHaql'IN{oft BenI,IqI4Hy roAoBbIX y6rrmon rro rrpvqlrHe peanrz3arlupr pr4cKa norepr4 4elonofi
penyrallzu, Koropat [peBblllrael lYo xanurala Basrca, paccqr,rraHHoro Ha rrocJreAHroro orlrerHylo
4ary. 3a orqeruufi nepl4oA He 6uro BbrrBJreHo y6rnrcon, nporr3orxeArrrr4x rro [pr{r4He peurtaar\Lryr
plrcKa rrorepz Aenosofi penyrarluu.
B coorsercrBLrqr c peKoMeHAarJkrflMLr, [pr4BeAeHHbrMr.r B flzcrlre Eaura Poccnz or 30 urous 2005
roAa J\!92-T, Baruc Ha rrocrorHnofi ocnoee ocyqecrBn.rrer:
KoHTponb sa co6rIoIeHI4eM corpynHl.rKavu, a$$unzpoBaHHbrMrr irr,rrlaMr4, AorrepHuMr4 r{
'
3aBLIclrMbIMLI optaHz3alll{fl}ll1r v KoHerrHbrMr,I BJraAeJrbuaMr,r 3aKoHonareJlbcrBa Poccuficxofi
(De4epaqzz, B ToM rrI4cJIe 3aKoHoAareJrbcrBa o 6auxoecrofi rafiHe ri opraHr43aur,rrr
BHyrpeHHefo
KoHTponf, B Uersx ilporlrBoAeitcrnufl, neraJllz3aql{tl (orrrltrnauurc) IoxoAoB froJryqeHHbrx
rrpe crynHbrM rryreM z S uH aHczp oBaHr.rro repp oprz3Ma;
MoHIrropI,IHf 4elonofi perIyraIIIzI4 KJII4eHTOB 14 KoHTpafeHToB, co6nroAas rrplrHrlr{n <sHafi
'
cBoefo KnpreHTau
rro3r4rlr4r4 3a
KoHTponb AocroBepHocrz 6yxralrepcrofi orqerHocrkl uu:rroi'tny6nuryervrofi zn(fopnaarJvtvr)
'
npeAcraBnseluofi aKIII4oHepaM, KJII4eHTaM rr KoHTpafeHTaM, opraHaM perynkrpoBaH:as.u Ha.{3opa 14
ApyII4M 3ar4HTepecoBaHHr,rM nrruaM.
flepconal Eaura ocyrlecrBn.f,Jl cBoro Ae.[TenbHocrb B coorBercrBt4r4 c 6auxoecrcr,rMr,r orrrqecKrrMr4
HOpMaMr.r, onpeAenqrcur4Mkr o6rque npr4Hur4rrbr noBereHr,r.f, corpyAHr4KoB.
B Baruce ucnonb3yerct IIeHTpaJrr43oBaHHa.s clrcreMa ran$opnaarlrroHHbrx rroroKoB u e1uurti,t
nop.f,AoK rlpe,4ocraBIrennfl. uu$opuaquur (cafir, BHyrpeHHsr paccrrma). Zusopnraqur o
AetreJlbHocrl4 Eaurca HaxoAlrrct B orKpbrroM Aocryrre Ha o$zqzanrnona caftre Eanra n
uHQopnraqlloHHo-TeneKoMMyHl4Itaqzonnofi cerrr I4HrepHer v B ne.rarHofi (fopnre - B
olepaIII4oHHLIX noMeqeHusx Eanxa, u o6ecneqvBaer HaAnexarqnfi ypoBeHb pacKpbrrt4r.
PrrcK JrEf AJII43AIIIIr4 (OTMbIBAHT4TO) AOXOAOB, rIOJryqEHHbrx
IIPECTYIIHbIM IIYTEM
I4 OI4HAHCI4POBAHI4fl TEPPOPI43MA
flporparvrrrabl ocyqecrBJIeHlLrr BHyrpeHHefo KoHTpors B rler.f,x rrporr4Bo geitc'rsux neranr,r3aur4r{
(orrraunaunro) .qoxoAoB, IIoJIyqeHHbrx rrpecryrrHbrM rryreM, v (fuuancupoBaHr4ro reppoprr3Ma
(4anee - IIOA/@T) paspa6oraHbl B coorBercrBr4rr c 3aKoHoAarenbcrBorra Pocczficrofi (Derepar\r4v c
yrleroM rpe6onauzft na4sopnrtx opraHoB, a raK)r(e c yqeroM xapaKTepa v ocHoBHbrx HanpaueHafi
Ae-srenbHocrz Eaura, KJIVeHTcKoft 6asrr 14 ypoBHr THIII,IT{HIIx 6aur<oscxnx pI4cKoB.
20
Yupanreuue no |IO.{/@T npono4ur o6yveHr{e corpyAHr4KoB rroApa3AeJreuufr. u AoJrxHocrHbrx
JII4II, yqacrByrounx B ocyruecrBJreHr,rr4 6aHKoscxzx orepaqufi v r4Hbrx cAeJroK, a raKxe
ocylqecrBn{rorqr4x KoHTponb ra co6mo4eHr4eM flpanw BHyrpeHHefo KoHTpoJrf, s o6racrIa
IIOA/OT Eauxa, neperreHb Koropbrx yrBepx(AeH llpe4ce4arereu llpanneuzr Eanna. llo
rpe6onanuxu YnpaueHzx rro ilOA/OT peryn-rrpHo o6Hosrsercx kr coBeprrreHcrByerct
HoMeHKnarypa nporpaMMHbrx rrpoAyKToB Ans oleparr.rBHofo [peAocraBrrelnnfl. nn(popuaqvrtr rro
3anpocaM pyxoBoAcrea BaHra, HaA3opHoro
yrroJrHoMoqeHHofo opfaHoB.
r,r
Ynpauenne KoHTponfl rL
AesrerbHocrr4
aHaJrkrca AerrenbHocrr,r KJrr,reHToB npoBoAt4T MoHr4Topr,rHr I,r aHaJrI,r3
KJrueHToB Ha rrpeAMer :r.aJfirrrLrq.
Heft rrpz3naKoB ouepaqrafi, noAnexarrlrzx
s
llpanzr
BHyrpeHHero KoHrpons B rler-f,x IIOA/OT Banr<a.
3a 1-ft KBapran 20l4r.6rrro Bbu{BJreHo 824 oneparluu (c4enxv), zn(foprvraurr.fl o noroprrx 6trna
nepeAaHa B yrlonHoMo.reuHrrfi opraH, sa2-ia KBapran - 1 160, sa3-uir KBapran -2135, za 4-rsrir
KBapran - 2446, B qensx rtpnBeAeHrz.fl BHyrpeHHI{x AoKyMeHToB, pefnaMeHrkrpyrcurx
.4e.f,reJlbHocm Baura no IIO[/@T s coorsercrBr4e 4eficrnyroqeMy 3aKoHoAareJrbcrBy, 6suru
BHeceHbr r,r3MeHeHr4r r4 AonoJrHeHr.r.rr B llpanuna BHyrpeHHefo KoHTpon.s e o6racrr4 IIOA/OT Eanra.
KoHTponrc B paMKax BblrroJrHeHrlx
8. TTEPEIIEHb
COBEPTEHHbIX EAHKOM B OTqETHOM
KPYfIHbIX CXEJIOK
AO (PyCCTPOI4EAHK> n 2014 roAy He coBeprlraJl cAeJIoK, rrpr.r3HaBaeMbrx
(De4epanrnblM 3aKoHorra lls208-@3 (06 aKrlr4oHepHux o6rqecrBax) KpyrrHbrMr.r
IOIY
B coorBercrBrlr4
cAeJrKaMrz.
9. TIEPEIIEHb COBEPTUEHHbIX EAHKOM B OTIIETHOM IOAI/
CAE JTKAX, IIPI43HABAEMbIX CAE JIKAMI4, B C OB E P III E HI4I4
KOTOPbIX I4MEET C fl, 3AI{HTEPECOBAHHOCTb
CropoHu
\b
(Har.tMeHoBaH'{e AJrrr
IIeHa cae.rrcu
o.r4.o.)
u
Illue
- AO
(PYCCTPOIZBAHK)
200 000 000
py6,reft
I
DCUJEHIIE
29.08.2014r.
,{apeHne
I.H.
AO
(PYCCTPOfrEAHK)
40 000 000
11.08.2014r.
py6,Tefi
[apeurze
(PYCCTPOfrEAHK))
iaeuulrin
v{.A.
1 500 000
pv6.
17 .1 1 .2014
Ar{peKropoB
aKTUBOB, B
(llpororol
TOM
qI4CJIe
nyTeM
rlopuuponaHzr 1o6aro.+roro- Kanr4TaJra r4
(ranfi) QoHaos BaHKa
AOTOBOp AApeHUfl AeHeXHBrx
CpeACTB,
B IIeITX yBeII.{qeHI4r
aKTI4BOB, B
TOM qI4C[e
r.
Coser
AO|OBOpLT AapeHxr AeHexHbrx cpeAcTB,
3aKJIlOrIeHbI B Uen{X yBenl4qeHl4t qI4CTbrX
3aKJIIOqeH
2
lapurelr - I4eauyr<
l.f.
(pe4rarop AO
ynpaBJreHUfl,
npnunnurlrI
24.09.2014r.
,{apeuue
l{nautyx
)4apreurri -
Oprau
cyulecrBeHHbre ycJroBr4r cAerKu
caeJtKt4
)aaprevmrfi
laprrear -
[ara
Ilpearvrer
qVCTbrX
nyTeM
Ns7l20l4
or
18.07.2014r.)
Coser
Ir.rpeKropoB
(llpororoa
8/2014
tpopuuponauur 4o6anovuoro Kailr4Tara u
Nq
(uJru) tbonaos BaHKa
Cpor - .qo 17 .11.2015 r.
CraeKa -14olo roloerx
20.08.2014r.)
or
O6u1ee co6paHze
aKrIr.roHepoB
(flporonol
Ilasapeur<o
l/2014-fOC
or 27.06.2014r.)
Ne
21
10. COCTAB COBETA trTIPEKTOPOB
EAHKA
Coser.{upenropos BaHKa cocror4T zs 5 qrenos.
Wz6pauue ncex 4eficrByrorqux na 01.01 .2015 r, rrJreHoB Cosera[r.rper<ropoB ocyqecrBneHo Ha
foAoBoM O6rueu co6panuu aKrlr4oHepoB rro r4roraM 2013r. (llpororon fOCA Np2l20I4 or
2l .06.2014) n cne4yrorleM cocraBe:
Ilpegcegare.rrr, Conera lupenropon
J\b
o.I4.O.
:
Kparxue 6uorpaQHvecKrre
[onn yrracr[q B ycraBnoM
Ka[HTaJre aKunoHepHoro
o6ulecrsa A
IoJrfl
AaH Hbre
nln
IIpr,rHaAJre]nauux
o6rrtcnoeeHHulx
arcqnfi
aKunonepHoro o6rqecrna,
I
llnaulyx
Hr,rxolafi Po4ulcs n 1945 ro4y.
fpnroprennu
O6pasonauze
Bbrcrlee
3aKorrrrr{Jr
s
1973 r.
Boeuuo-ro:4yrrHyro r4HxeHepHyro
aKaAeMr4ro r{M,
ryoQ.
c[eur{aJrbHocr6:
H.E.
Xyxoncroro,
paArroTexHr4recKr4e cpeAcTBa
JIeTaTeJIbHbrX
%o
oT vcTaBHot-o KaIIuTaJta
s,770806 %
nr,rJroTrrpyeMbrx
a[[apaToB.
He ocyqecrBnfler rpyAoByro
Aef,TeJrbHocrb, He
flBJrfl.eTgfl qJreHOM OpraHOB ylpaBJreHr.rf r{Hbrx
ropr4AruecKnx Jrrru, KpoMe Eanxa.
rfuenu Coeera [upenropon:
J{b
o.u.o.
lht
qJeHa Conera
.[o.la yvacrur B ycraBHoM
Kanr,rTaJre aKuuoHepHot-o
KparrcHe 6norpaQuuecKr.re AaHHbre
qreHoB Cosera AupeKTopoB
o6ulecrna
AupeKTopoB
u
Aoflq
rrpuHaAJrelKa uIr{x
o6lrKHoseHHsrx axunil
aKur,roHepHoro o6rqecrta,
oT ycTaBHoro Karrr.tTaJra
Crpyxon
llerponra.r
Ar4peil PoAzrcs e 1968 ro4y.
O6pa:onauue Bbrcuee
3aKoHrrrrJl
focyAapcrneHHyro rfuuauconyro
crreurlaJrbHocrr; rpuuanclr
n
HC I{MECT
1992r.
aKa eMufl,
r4 KpeAr4T.
3auuruaer,{or>xuocrr llpe4ce4arenr llparrtenux
Eauxa.
2
Coro.ron
fenHa,(reerFr
Alexcefi PoAzncx n 1966 ro4y.
O6pa:onauue Bbrcrxee 3aKorrrrriJr
MocxoscKrai aBr4arlr4oHHbrit uucruryr
s 1989 r.
mr.
HE I4MECT
Cepro
OpANouI.truA3e, cfleur4uurbHocrr,: paArzogneKTpoHr{Ka
lt JrerareJrbHbre anrraparbr. B 20 l0 r. 3aKorrrrr4]r OfOy
BIIO
<Poccuficxar
aKaAeMr4-rr rocyAapcrneuuoft
cnyrx6u upu flperu4enre Pocczfcrofi Oe4epaquu>,
clerlr4iurbHocrl : IOpucnpyAeHrlur.
3annnaer AoJrxHocrb CoserHuKa fenepanrnoro
aupexroDa OAO (MOC|A3).
22
%o
Krrqxos
J.
Auarolrafi PoAuncs 1960 roay.
TIE I,IMCCT
O6pasonauue Bbrclree - 3aKoHr{nJr e 1982 r. Zucrraryr
Bra4ttrrauponnu
HapoAHoro
xo:ritcrea r4M. f .B.
fllexauona,
cneuuaJlbHocrb: 3KoHoMI,rrlecKaf, Klr6epHerl4Ka
3 asnuaer AoJrxHocrb f eneparlHoro grzpexropa 3AO
(A|ABAD
larees Mapar laArrest,r.r PoArzrcs n 1955 rogy.
4
HE I4MEET
O6pa:onaurze Bbrcruee - 3aKorrrrr4Jr s 1982 f.
VQvlacnrafi ueQrruoft r4Hcrr,rryr, cnequa.JrbHocrb:
Maruranrt 14 an [aparbl xr4Mr{rrecxlrx npor43BoAcrB.
3anwuaer Aonx(Hocrr, feuepalrnoro AVpeKTopa
OOO <ArpoXtrruVnneepcal>.
(OOO <ArpoXr,lrraVHr.reepcaJr)) .f,BJrf,erc.rr aKrlr4oHepoM
6auxa - BJraAeer 0,6378 %o rolocyrorqnx axqr.rfi).
B
re'reHlae orqerHoro 2014
rola B cocraBe
Cosera Ar4peKTopon Eaur<a rrMeHeHr4ft
He
rrpor43BolktJrocb.
Cnegenun
rr
o
coBepI[eHHbIx
B 2014 r.
qJreHaMrr Cosera Ar{peKTopoB cAeJrKax rro
pt{ o 6p eTeHrrr0 rrJrr{ oTqy?t{A eHrrro aKur.rfi E a urca :
OI4O
qJteHa
Coeera
!ara
Co4epxanue
Kareropnu (rulrr) [r KoJr-Bo
arqnfi, eBrqBuruxcq [peAMeroM
cAeJrKu
coBeprxeHl|q
ANDEKTODOB
CNEJIKH
Znarqyx Huxonafi
fpuropresa.r
18.06.2014 r.
llpoaaNa anqufi Bauxa
Axunz
o6rrrsoneHrrlre
aMenHbre
6egAoxyuenrapHbre 165 767
ltr.
11. CBEAFH.UIfl O JII,IIIB, 3AHI,IMAIOIIIEM AOIXHOCTb
TIP EA C EAATE JIfl IIPABIE IJUtfl BAHKA
I{ qJIEHAX IIPABIEHI,Iq BAHKA
E4znoluvHblM I,IoTIoJIHI{TeJILHrTM opfaHoM Eanxa flBlrflercs.llpe4ce4arenb flpaBneHrls CrpyKoB
An4peft flerpoeu.r.
flpaueHI'Ie EaHxa ocyqecrBnter
o6ecneqeruzf, BbIrIoJIHeHI4t peIrrenraft
LlcrroJrHrlTenbHo-paclop.rrrrrreJrbHbre
O6qero co6pannfl
(pyurqzz B rlenrx
aKrlr4oHepoB BaHKa, Cosera
lupemopon
raK)Ke peanlr3yer Synxquu pyKoBoAcrBa reKyrrrefi ,4e-f,TeJrbHocrr.r Baura, 3a
I'IcKIIorIeHI,IeM BorlpocoB, oTHeceHHbIX K KoMrleTeuqzz O6qero co6paHru aKrlr,roHepoB r4 Conera
[rapexropos EaHKa,
Baulca,
a
B cocraB KoJrJIerI{aJrbHoro l{crroJrHr{TeJrbHoro opraHa .tianrca Irb
r/II
llpanlenuq BxoAsr:
{o.nr yvacrnr
o.u.o.
qJ|eHa KoJrJrelltaI bHot-o
l{clroJrH LtTeJr r,HOfO OpraH a
Kparrclre 6HorpaQnvecKrre AaHHr,re
B ycraBHoM
KarruraJre Easrca H noflq
rrprrHaAJler{arunx
o6ulKnoseuHux
arquI
Eanrca
PoAulcs n 1968 ro4y.
1
Crpyrcoa
flerponuv
O6paronanze Bbrcrree - 3aKorrqr.rJr s 1992 r.
Au4pefi locyAapcreeHuyro $zuaHconylo aKareMnfl,
cneuuzurbHocrt : rpr.trancrr
r,r
KpeAr4r.
HE I4MCCT
3asulraer,{olNuocrr llpeAceAarena llpanneuu.r
Eauxa.
z)
Porutrcs e 1968 r.
O6pa:oranue Bbrclree
-
3aKoHrrr4Jr
e
1990 r.
Kuencxoe Bblcluee BoeHHoe aBI{aIII4oHHoe
r{HxeHepHoe yqr4lr,rxle, cneur4anbHocTb:
2.
tr4narqyx
[rvnrpui,t
Huxoraeruq
MareMara.{ecroe
o6ecleqeHue
B
aBTOMaTr43r4pOBaHHbrX CLICTeM yrlpaBJreHr4rl.
r,
7
,126718
Yo
3aKolrrrr4Jr (Duuanconyro
Ara4enrrro npra
llpanurenscree PO, cnerlr4aJrbHocrr: Ounancu r.r
1998
KpeAr{r.
3auuuaer AoJrxHocrb llepnoro 3auecrr'trenr
llpeAceAarelr llpanneHra Eama.
Po4ulacr e 1956 r.
O6pasonaune Bbrclree
Mocroecxufi
3.
Ceuuua Ortrra CeoreeeHa
- s
r, saKoHqr4Jra
1979
3KoHoMl{Ko-crarracrr,r.recl<I4fi
rIHCTrrTyT,
CIIeUIIEIJTbHOCTL:
HE I4MEET
Anrorura:rusupoBaHHbre cr4creMbr ynpaBJreHr,rr.
3auuvraer AoJrxHocrb
hasHoro
6y<ralrepa
Fauxa.
4.
llncxynoea
PoAznacr e 1959 r,
O6pasonanue Bbrcrlee
-s
1982
r,
lopHue
BraA[\,ruposua
MarrrrlHbr r4 KoMrrJreKcbr.
3aunrraer AonxHocrb
llpegce4arelr llpaueunr
5.
,fpoulyr<
3aKorrrrr4Jra
l4puua Mocxoscxafi ropuufi uncrvriyr, cneqrraJrbHocrb:
HE I4MEET
3arr,recrurers
EaHxa.
PoAvnacr n 1974 r,
O6pasonanue Bbrcuee
- B, 1997 r, 3aKorrrruJra
Haralrn Mocxoncxuii rocy4apcrrennrrft ropnrrfi
Bopuconna
yH[Bepcrrrer, cleuuaJrbHocrr : Mene4Nrvrenr.
3aslrrrraer AoJrxHocrb
HC I4MEET
3avecrurels
llpe4ce4arel.r flpanrtenrla Bauxa,
PoArancs
s 1959 r.
O6pasorauue Bbrcruee - B 1981 r. 3aKorrrrr{Jr
Tau6oncroe BLIcrrIee BoeHHoe aBI,IarIrroHHoe
rrH)KeHepHoe yqI4Jrr4rrle,
6
Celunepcron
Mrxafinonnq
cllelll4aJrbHocTb:
BoopyxeHr4e J'rerareJrbHbrx annaparoB. B 1993 r.
Bacuttuit 3aKor+rr4Jr BoeHuo-nos4yrrrHyro lrHxeHepHyro
aKaAeMIlIo rrM. Xyxoecxoro, c[elll4uurbHocrb:
aH)I(eHepHafl, oIIepaTL{BHO
-
HE I'IMCET
TaKTI,tlreCKaf,,
aBI4aIIrrOHHOe BOOpy)KeHVe,
3asrryaer AoJrxHocrb Buue-llpesuAeHra
,{aperropa
rexuororni
Ponr.ilcq s
[elapranaenra
l98l
r.
O6patoranae Bbrctrree
Jlasapenro
Auaromeell.r
Mvtxautr
6anxoncxrax
Banxa.
- s
2004
f.
3aKorrrrr4n
Cauxr-flerep6yprcxrEft rocyAapcreeunrri
ropH-urfi uuarvryr r4MeHu f.B. llrexauosa
(rexnnvecxui ynunepcnrer), creqlriurbHocrb:
Sxosouzxa
3
r4
HE IIMEET
y[paBJreHr4e Ha rrpe!'ilpuflTnn.
aurauaer AoJrxHocrb,{rapexropa,{elapranaeura
po3Hr4
q Ho
ro KpeaHToBa
H
r4s Eauxa.
1A
PoAUrcq s 1964 r.,
- e 1986 f. 3aKoHr{I4JI
Mocr<oscxuft opAeHa rpyAoBoro KpacHoro
O6pa:oeaune Bblcllee
3HaMeHIr
texcrurtHltft r4:r'crvryr
urraenrz A.H.
Kocrrrnna, cleuuiulbHocrb: ABToMarr43ar\rr* v
MexaHI43aUl4fl
KOMIIJIEKCHA'
XIIMI'IKO-TCXHOJIOIFIECKI4X NPOqECCOB,
B
2OO4
T,
3aKorrrrr'rJr focyAapcrnennoe o6pa:onarelrnoe
yirpe)KAeHne Bblctuero npoQeccuouiulr,Horo
8.
II,ep6axon
Buxroponrlv
o6pa:onaullr Mocxoncxpri rocyAapcrneHurrfi
VHI4BEDCI4TET I'IMEHI4
fepuau
A.H. KocuruHa, cle[uilJlbHocrb: 3xonouura r'r
yrrpaBneHue Ha rlpeArrpwlTlll,r (rexcrulruar
TEKCTIIJISHbI14
HE AMEET
rrpoMbrruJreHHocrb),
KanAraAar rexHr{qecKl,D( uayn (yrenaf, creneHb
I{'aIlAkrI.aTa TexHr4qecKl4x
HayK
npl{cBoeHa
Ar4ocepraul4oHHoro coBeTa
Poccuf cxoro 3aoqHoro I,IHcrr{Tyra rexcrulluofi r't
rerxofi [poMbrrrrJreHHocrl{ or 24.09.2002 r, Ns 9,
Jls 084861 or
AnruroM Kaqrvllara HayK
perxeHr4eM
KT
15.12.2002 r., r. Mocxea).
3asaruaer AoJrxHocrr,
[rzpexropa [enapraveura
PoAzracr s 1965 r.
O6pa:onanue Bbrauee
9.
Oncuesro
BacnrtresHa
Braue-upeglaAenra
pasBprrus. Eauxa.
- n
1991
r.
3aKoHtrI4JIa
Xaprxoacrr.rit opAeHa Jlenltna lorurexuuqecr<ufi
rrHcrr{Tyr r4MeHrr B.I4. Jleunua, crreufiulJllHocrr flpourruueHuar elexrpoulrxa. B 2002 r.
Arna
3aKor{rrrrJra Bcepoccuftcxuft gaoqnrrfi
tf unancono-oKoHoMrrqecKrria ulrcrl,ITyr,
c[eupraJrbHocru
-
HE I{MEET
@usascbl Ir KpeAI4T.
3aumvraer AoJrxHocrb Buue-npesuAeHra
,{uperropa,{elapraneHra opf aHI43aIII{I4 rlpoAax
Eanxa.
B reqeurae orqerHoro 2014 roua B cocraBe flpauennq EaHKa rlpol{3olrrJrrr cJregyrou[e
n3MeHeHUS:
CoBera Ar{peKropoB 13.02.2014 r. s cocraB llpauennx Banra 6rrn us6pau
Il-{ep6axon fepvran Burroponuu (llporor<on 3aceAaHr4r CoBera .wrpeKropos Ns2l20l4 or
13.02.2014 r.).
2. PeurenueM CoBera Ar{peKropoB 17.04.2014 r. e cocraB flpaereHrzx Eanra 6lr'ta u36pana
OscueHKo Anna BacumeeHa (llporoxon 3acep.annfl. Coeera Al4peKropos Ns 412014 or
17.04.2014 r.).
1. PeureuueM
CneAeuuq o cAeJrKax rro [puobpereHrrK) rrJrrr orrry]rqeHrrro aKIIufi Eaurca, coBeplrreHHblx
s 2014 r. qJreHaMu flpanrenus BaHKa:
OI4O
qJreHa
Kareropuu (rnuur)
u
!,ara
Cogepxauae
flpaoreuun
coBepllleHr4fl
CAEJ]KII
axunfi.
Znarqyx firvrurpuit
18.06.2014 r.
flpoAarxa aKullfi
Aruun o6rtxnoneunble
Bauxa
6e:Aoxyueurapsrre I 12 233 llrr.
KoJr-Bo
flBrqBrur.rxcg
npeAMeToM cAeilKt{
Huxoraesru
I4MeHHbre
25
OfrpEAEJrEHI4fl U pA3MEp BO3HArpAXtrEIJrLfl,
TTPEACEAATEJIfl IIPABJIEHILfl I4IIJIEHOBIIPABIEHI,I.fl ,COBETA
trI,IPEKTOPOB EAHKA
12. KPT4TEPUIV
llopx4ox onpeAeneHl{t pa3Mepa orlJlarbr rpyAa, $opr 14 Haqr.rcJreHr{f, KoMrreHcarllroHHbrx t4
crlrMynI4pyloqI4x BbIrIJIar flpe4ce4arenro flpaueHua u qJreHaM flpauenu-a HaxoAr.rrcr B
KoMrIereHIIu[ Cosera Ar4peKTopon Eanrca v pefnaMeHTr.rpoBaH flonoxenraelr o6 orrJrare rpyAa
pa6ornuron AO (PyCCTPOIZEAHK)) peAaKrlu.f, 3 rz llonoxeHlreM o rpeMrrpoBalvrvpa6ornzxon,
AO (PyCCTPOfiSAHT> peAaKrlrrs 7. Paavrep ne(frzrcupoeaHHofi qacrr orrJrarbr rpyAa
IICnOnHI4TeJIbHbTX OpfaHOB Orrpe.{enrercf, c yrreToM KoJrr4qecTBeHHbIX tt KaqeCTBeHHbIX
rloKa3areJleft, no3nonarcruvx ytrurbrBarb Bce 3HarrllMble AJIx rpe4zruofi opraHlz3arlnrr pvcKn, a
TaKx{e AoxoAHocrb Ae.srerbHocra Eatma B ueJroM rr orAeJrbHr,x HarrpaBJleHufr petrelsHocrr{.
Zn@opuaq[q o crpyKType, [optAKe r4 ycnoBzrx BbrrrJrarbr Bo3Harpa]Kilenuit opraHoB ynpaBneHu{
Eanra [pLIBeAeHa B I]otcHr4Temnofi zn(fopnraqur4, BXoAslIefi n cocras ro4oeofi 6yxranrepcxoft
(Qunanconofi) orueruocru AO (PyCCTPOIZSAHT> za20l4 roA, cocraBreunofi B coorBercrBr,rr4
c rpe6oeaukrflMkr Eanra Poccprn v pa^:nlerqeHHoft Ha cafir.e Eanr<a B cerr.r LIHrepHer:
http //www. rsb-bank.ru.
:
13. CBEAEIJILfl O COEJITOAEHUI4
EAHKOM IIPUHUI4TIOB I4
PEKOMEAAIII4IZ KOAEKCA
K O PfI OPATIIBH OT O YfIPAB JIEIJUIA
Ylpauenve Eanrorr ocyqecrBJrflercs. B coorBercrBtrv c 4eficrnyrcrqr4M
3aKoHoAareJrbcrBoM
Poccnficr<ofi @e4epaquu uYcraBoN,I BaHKa c co6moreHr{eM HopM lr rpalkrr\rril ropnoparr.rBHofo
noBeIeHI4s, coorBercrBylotql,tx nyqurr4M pocclrftcrrzu u MexIyHapoAHbrM craHAapraM Lr
cuoco6crnyroql4x co3AaHl'tro IloJlor(LrreJrbHofo o6pasa Banra B fJra3ax ero aKrlzoHepoB, KJrr,reHToB
I{ corpyAHl4roe. EaHx Ilocro.f,HHo ocBal.,IBaer HoBbre MeroAbI I{ no.4xoAbr, orK€BbrB€urcb or rIpaKTr4K,
He coorBercrByroq[x rpe6onanz{M cefoAHflrxHero IHf, .
B csoefi AetreJlbHocrz Eaur pyKoBoAcrByercr KoAenconr srr4qecKr4x rrpr.rHrlr.rrroB 6aHxoscKoro
4ela, o4o6peHHbIM XII cres4ou Accorlna\Lrkr poccuftcxux 6anlcos e 2008 ro4y, Ko4eKcoM
KoploparllBHoro yrpaBneHl4x, o4o6pennrnrr CoseroM Ar4peKTopon Eaura Poccuu e 2014 roAy, r.r
peKoMeHAoBaHHr,IM AJI{ npvMeHeHI,Lf, aKIII4oHepHuuyI o6UecTBaMLt, rleHHbre 6yrvraru KoTopbIX
AorryueHbr K opf aHrz3oBaHHbrM Topf aM.
Cpe4Ia Mep no TIoBIIITIeHLIIo Kar{ecrBa Kopnoparr{BHofo ynpaBneHr,rx BaHKa, npeArrpr4Hrtsws2014
roAy, MoxHo BbrAeirr4Tb cneAyroilIue:
pa3pa6orana v 11 4er<a6px 2014 roga yrBepxAeHbr Coseroad ,4r{peKropoe EaHKa
'
floroNenue o6 ouare rpyAa pa6ornzxos AO (PyCCTPOIZBAHK> pe4argux3 n floroNenze o
npeMl'IpoBaHuz pa6oruur<oe AO (PyCCTPOtZnaUf> pelaKrlrrf, 7, n coornercrBurr c KoropbrMr.r
orlJlara rPYAa corpyAHl{Kos Baura orIpeAenqercr B 3aBrrcr4Mocrr.r or orleHKr.r ee coorBercrB]|Ifl.
crparerlrl4 rpe4zrHoft opraHI{3aIII4I{, xapaKTepy v vacurra6y coBeprlaeMbrx onepaqvfi,
pe3yJlbraraM ee AetreJlbHocrl{, ypoBHro rr coqeraHr4ro npr.rHuMaeMbrx prrcKoB (cos4an upo:pa.rHufi
I'I AocryrlHbrfi rr,rexanzgM KoHTpon.rr 3a olnaroft rpy4a qJreHoB rzcrroJrHLrreJrbHbrx opraHoB, a raKxe
IrHbrx pa6ornulcon, npl4HlrMarollr4x puc:r.u, a raKxe pa6ornnxoB rroApin geteuufr.,
ocylllecrBJr{rourzx BHyrpeHHHft xonrpolb r{ ynpaBneHr4e plrcKaMu Eanrca) ;
B UeJItX IIOBrIIXeHI4fl OpraHr43arIIlI4, MOHr,ITOprrHfa lI KOHTpOJTT CLICTeMIT o[JraTbI rpyaa AO
'
dyCCTPOIZSeUK> v B cBfl3n c BcryrrneHzeM B 4eficrnrae c 01.01 .2015 Llucrpyrquu Eanxa
Poccuu or 17 I4K)HI 2014 r. N 154-14 <O nopx4r<e orIeHKr{ crzcreMbr orrJrarbr rpyAa n xpe4zrnofi
opfaHl,I3allvrv v nops'AKe HarlpaBneHr4r B KpeAr4THyro opraHr43arlr4ro rrpeAnrzcaHprs. o6 ycrpanenzz
HapyilreHlz.s B ee cl4creMe orrJrarbr rpyAa) 11 4era6px 2014 r. Conerolr Ar.rpeKTopos BaHxa
npl4HflTo perreHl{e o co3nar.npr Konrurera no KaApaM r4 Bo3HarparqqeHr4sM, rBJr.firouefoc{
26
rlocrotHHo AeficrByloulliM KoHcynbrarrrBHo-coBerrlareJrbHbrM opraHoM CoBera,{vpexropon Eanra
14 co3AaHHbIM B IIeJItx IloBbrrrreHrzx s(f$exrnBHocrLr pa6oru Cosera [zper<ropoB nocpeAcrBoM
npeABapI4TeJIbHoro paccMorpeHns. vr no.qroroBKz peKoMeHlauuit rro BorrpocaM, orHocsrquxc.s K
KoMrrereHrlrau
Kouvrera;
peilreHlleM Cosera Al4peKropou or 26 cenrr6pr 2014 rotas BaHKe c 01 orrs6pn20l4 roga
'
co3AaHa CnyN6a BHyrpeHHero ayALITa, Koropas ocyrqecrBnrer He3aBncr4Myro u o6rexruBHyro
IIpOBepKy pI oIIeHKy CI{CTeM ylrpaBJreHr4s, BHyTpeHHero KoHTporrfl. 14 yrrpaBneHr4fl. pvcKaMvr. pr
lpelocraBnf,er peKoMeH.4aIII4Ir no noATBeplKneHrzro nx aAeKBarHocrr4 Conery Ar4peKTopoB rr
Eaura, a raKlr{e raer peKoMeHAarIu[ tro ynyq[eHr.rro Kaqec"rBa vr.
IIoBbIIIIeHIto sS@exu4BHocrI.I (fynrqnonLrpoBaHtrfl. err4x crtcren. CnyN6a BHyrpeHHero ay.4rrra
4efi crnyer rroA Herrocpe,4crBeHHbrM KoHTporell Coeera Ar4peKTopoe BaHna;
c 01 oxra6pt 2014 rolae EaHrce co3raHa Cnyxr6a BHyrpeHHero KoHTpon.f,, K rroJrHoMorrr4.f,M
'
xoropoft orHoctrc.t{ rIoJIHoMoqAq Iro opraHr{3arlr4r4 e(f$errunnofi cr4creMbr ynpaBneHr{f,
Bo3HI4KaIoruI4MpI B Ae-flTerbHocru Earuca perynrropHblMlr pr4cKaMlz -pr4cKaMr4 Bo3Hr.rKHoBeHrr{ y
Eanra y6rtmon vs+a neco6moAeHr4fl 3aKoHorarenbcrBa Pocczficxofi @e4eparJnvr, BHyrpeHHrrx
AoKyMeHTon EaHna, craHAaproB caMopefyn[pyeMbrx opraunaaqzft, a raKxe B pe3yJrbrare
npI4MeHeHI4x canrqufi u (utu) LIHbrx uep nos4efia"rBufl. co cropoHbr HaA3opHbrx opraHoB.
LIonoJIHI,ITeJIrHrIMTI opraHaMr,r
TaItNe Coserola rl4peKTopoe EaHxa [poBereHa caMocrorreJrbHar orIeHKa cocrosHr.rt
Kopnoparl4BHoro yrrpaBneHI4-q EaHxa sa20I4 ro4. Pesynbrarbr orleHKri rroKa3aJrr{ srrcoxufi ypoBeHb
opraHl{3aqItu pa6orrr Cosera AIrpeKTopoB, orrrrrMuurbH).ro nepnolr.rrrHocrb flpoBe AeHvfl,zacegannit
Coneta, a raK)I(e Hanvql4e Aocraror{Hofo KoJrlrqecrBa BpeMeHr{ 4na e(p(feru4BHoro BbrnoJrHeHr.rt
ruIeHaMI'I Conera 4zpeKTopoB cBot4x o6.f,:auHocreft. Ha gace1alr4flx
Cosera Ar{peKTopoe Eagxa
yAenterct 6olruroe KoJIt4\IecrBo BpeMeHr.r o6cyx4euwo raKr.rx BorrpocoB KaK aHaJrr,r3 TeKyrlero
$uuanconoro rloJlo)Kenus EaHxa, crparerurr efo pa3BHTI4r, orIeHKa 6anr<oscxvx prrcKoB.
rlleuu Cosera ALIpeKTopos BaHKa orMeqaror xopouyro crerreHb esauNaoAeficrBrzs MelKAy
CoseroN,I AI{peKTopoB I{ MeHeA}KMeHToM Banra, a raK}Ke coorBercrBr.,re flpeAocraBJr.f,eMbrx
$uHauconrrx/ynpauenqecKl,Ix orrreroB rpe6onaHzrM rroJrHorbr, cBoeBpeMeHHocrrr r4 troHsrHocrr,r
I43NOXEHI,Iq.
27