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Bavkom Takoxe TomyseHb! cnemyIouLHe sUNeHSHH: 1L.JTnuensia npoecchonanptoro yuactaxa pastika nemmtsx Gywar na ocyutceTatenne Gpoxepcxoii xeatenuuocrn No 045-14050-100000 or 06.03.2018 r. 2.JImuensna mposecchonansHoro yuactunKa pLulKa YeHHEKX GyMar Ha ocymecrBIeNHe aenomerapHoit nesTenbuocrit Xe 045-14051-000100 or 06.03.2018 r. Baik aBaacTCA Y4aCTHUKOM MEATYHApORMBIX MarexHEN cHcTem Visa, Master Card, a taoKe aunonanstoit eMetena naarexcurx Kapt «MUP». 1.2. Huopmauns o Ganxoncxoit rpynme Bank sensetes ronosnoli opransanneit GanKonckoit rpynnsi, B CocTas KOTOpoH BKINOYeHSE 000 «erme», OOO «Tumoxopd Lleirp Paspa6orki», AHO JO «TunsKogy O6pasozannter, 000 «Tunsxody) Kamran» 1 OOO «KITAYITOMMEHTC». Kouconmanporanvaa bunaiicones oTueTUOCTS GanKOBcKOfl rpyuns onyOxKKopaHa wa calle Banka s cerk Wirrepnet mo axpecy https:/wwainkofira, Bauxy npimannerar 51% 8 OOO «Penuken. 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PasMep cpexoro Ha Texyuuex cueTax HocTur MaKCHMAMbHOTO 3HaveHHA 2a TlocKenHCe AecaTHNETHe (26% OT BCX MPHBLEYEHHEIX POSKIHHET CpeacTs GalikoB), BO MHOTOM 13-34 YMCHBIICHH4A PaSHMIIbI 110 CTABKAM ¢ JETIOSHTHBIMH HPOAYKTAMH, A TARKe 12-20 CHIDKCIINT NPETIORCMIA DKcIATON B eDpO H CDsIK € OTPHNLATENEIULIMH CraBKAMI MO sainoii namote. B 2019 roay Takxe saMeTHO YBCMNIHLNACK ONY ARPHOCTS HaKONITTEABHEIX CHETOS. Baux axrupiio orenexmpaer citryautto B pocciiickom GauKoscKoM ceKTope if HIMeHeHHA Hopsatuanbox TpeGosannil « nazopHoli mpaxranit Bawa Poccitt. 2.3. CoOsrrua nocae oTvernoli AAT Et 2.3.1.Cneeams 0 Koppextupylontix coOMTHaX nocae oTHeTHOM are Koppexcupyiomure onepatimt Giza ocyitecrnnent nenexcrane: = HonyseHus nocie OTYETHOM JaTH MepSHMEIEIX AOKYNEHTOB, NONTECPANAONUIX COBEpUICHIHE onepai 10 oruemofi narss i (wm) onpenenstouiex (yroumomUIx) crOMMocTE paGor, yeityr, a ‘TAKE YTONNATONLHX CYMAKI OXOTOB H. PACKOITOB, = HaMmicneHiia TeKymero H OTTOKCHHOTO Harora Ha NPAGHINE sa OTHETHEA TON B COOTRETCTBHIE csaKonogatensctaom Pocexiicxolt enepanns. 2.3.2.Caeaenna 0 HeKoppexTHpyIOUMAX CoOBITHAX Hocme OTYCTHON AaTht B xonue 2019 rona m3 Kurraa nreppute Hoxpusmich HopocTH o BHpycHOH MpexUAH HoBOFO tuna COVID-19 («Koponasupye»). B xonue 2019 roa no Beexupsofi oprawmaiat ‘opavooxpanlentia GkiTO 3aperHeTPHpOBAHO OTPAHHYEHNOE CHO cAyYAeB SapaxcuUR ITM BupycoM. 3a nepBste mecautst 2020 rona nupyc pacrtpocrpaitues No RCeMY MHY, H ero HeTaTHBHOe BIHANHe YouNNAOCS. Bank CHTACT HEMEMUIKY 9TOTO sAGONeBAMTAA HeKOPPEKTHPYIOMAN COOLITIEEM oct oTIeTHOM sath. HecMOTpA Ha TO, NTO Ha MOMEHT BBITYCKa AAHHON OTHCTHOCTH cUTYaWMK Ce ‘cule HaxomNTEA B MpoLiecce pasDHtTits, Ha cerommAMEt eHb JaMeTHOrO BAMAHHA Ha Gusuec Bana Ne naGmossetea, omsako GyAYUMe NocHescTBKE He Moryr Gurr mpexckasanst. TlocKonDKY CCHTYAIUEE ONICTPO PAIBHLBAETCS, MBI He CHHTAeM HETeCOOGPAsHBIM B HACTORICC BEM OPE eT KonituecTBeIHyI OUeNKY HOTeHIMATbHOTO BosAeficTEKs ITOH BeMMUNKK Ha seTTeNbHOCTE asx. Pykonocrao Banka npomoraaer MOXTOpHET noTeMLHaNbHOrO SoszelicTBKR M MpIOUMAeT MepEt no EMA YEHMO mOGEIX BOIMOKHEN nocreACTB,3. Kparkuii oGrop ocnonnen mprununon yaernoit noma Byxramtepexutii yuer a Bane ocymtectanaeres w cooracteran ¢ nelicrayromm« poccaiicxns saKoroZaTeN:cTaoM, FToxoxenmes Bauka Pocckit 0627 espa 2017 r. Ne 579-11 «O nuiane cuetos Gyxrantepexoro yucra 71d KpeAMTHBIX Opranusauuii Mm MOpaNKe ero mpuMenenuay> (name — Tlonoxexne X0579-T], a tacke HMMIME HopMaTHaHtiM akTant Baska Poccrtt. Than cyeron Gyxranrepexoro ysera t IIpasucia nexeniia Gyxranrepexoro yuera v Baitxe ocionanet Ha crenyloulnx npHiumax SyxrantepeKoro yuera: —nenpepumuocrs aeereasnocTi; “nocrosnicrno npani GyxrartepcKoro yuers; ~octopoxtiocrs; ~orpaxexne oxo10B H pacxozoB no «Meron HaNNCHeMNAY; —cBoespemMeHHocTe oTpaxcHna oncparuit; ~parqenbioe oTpaKeHHe AKTHBOB H MAccHBOD; —npeemersennocts sxoaamero Gaxatica; ~nipwopurtet sxonommcckoro conepmann Ham lopHmrecKoit hopsoit; ~orKpirrocrts ~xoncommmauns. 3.1. Tpmmmnes, meromet onenkn 1 yaera oraetbuEx akTuBos, OOssareaLeTs 1 onepauntil. B Yuernyo nommxy Barka wa 2019 rom Guam sHecembr uswcnenus B cpa C apeGonaimamir Hover penaxtnit TMonoxenss Ne 579-1, Honoxenus or 22.12.2014 No 446-11 «O Nopake oNpEeMeHHA NOXONOF, pAcKOXOR HM MpoweTO COROKYNHOTO soXONa KpemMMEBIK opranzauutii» (ane ~Toroxenne 446-I1), a Taioxe w caaaitc actyruIeHHen 8 city Toxoxernit or 02.10.2017 Ne 604-1 «O nopanxe orpaxeimia Ha cuerax Gyxruttepcxoro yueTa KpOJUETHbINI OpraHHsauHaMH OnepaiLuii TO NPHBACYERHIO AeHeKHBIX CpesCTB NO AOTOBopaN OaHKoBcKorO nxiaaa (xerositra), KpeHHTHBIM ZOrOBopAM, ontcpani 10 pBiTYeKy Moramemmo (orate) oGurausil, sexceneli, nenowrrmx H eGeperatenimx ceprupikaton», 605-M uO nopanke OTPUACHII Ha CHETAX GyxrwrrepcKoro y'eTa KPeIUITHIMN opramWsanAMK onepawitii no PAIMEILIEHMIO TEHEKHEIX CPeRCTBR MO KPCATHBIM OTOBOpAM, OMepautnii, CBABAKHBR C OcyieCTRNCNHEM CAENOK NO MpuoGpeTeHMO Mpasa TpeGoBaHH OT TpeToHX MUL KenOACHEE OGWATEMCTS B ACHCATION dopMe, onepaLHiL NO OGrIATERECTHAM TO BEULANEBI GaxsKONCKIN rapairiag 1 npenocranmemto eHexaiEx epexcto», 606-TI «O mopaake orpwxeHns Ha cueTax Gyxrarrepekoro yuera KPSLATHBMH OpraNHsaNMsit OnepauNit ¢ HeHHBINK GyMaraMi» (nates cootneretpenito Honomenme 604-11, Honorenwe 605-11, Nonoxenne 606-I1). Vkasanuste HOpMaTHUMbe AKTEI ONPEAEIHAN HOBIE CTAILIApTEL H MOpRIOK NpHsHaNHE, OUCHKH 1 BEIOBITHA pHHANCOBLIX HICTpyMeHTOB B cooTBeTeTBHH c MC®O (IFRS) 9. Ocntosnne mamenenna yxernol nomTuKH Guin aHeceHBI B npoLesypEI MepBoNANATEHOTO TIPHSNAHA DUNANCOBLIX MHCTPYMeNTOR, OWEHKK HX CTOUSOCTH, GopMHpOSAHIA OWeHONHEL PesepsON MOA OAHALEMBIE KPEMITHDIE YOUITHH, NPHESHANKA OXONOB 1 PaCXOOB. Ha ocuosanmit ncewa Baaxa Pocern or 23.04.2018 Ne HH-18-18/21 Bane ocymectanan nepexoaunre onepaut, Banmonue Ha gumaucossili peryaLrar, » 2019 roay w Koppecomaentun co cHeTaMiE NO Y4eTY hustaNcOBKIX pesynETaTOB MpoulALIX set, TlonoxnTensitbIe dumaHcosbie DESYABTATHL OT OMEHKH GHHANCOBIX HHCTPyMeHTOS B COOTBETCTBMH ¢ TpeGonanLRMN TToxOxeHHit 604-11, 605-Il, 606-II, sucaaumxea 8 GyxrarepcKoM yuere 10 coctoanmio Ha 1 antsaps 2019 roma, ompaxcust B KoppecrionmenunH ¢ Gananicosnin cueron N 10801 “Hepacnpeseneunan npnGsiab", onpmuarentiie dumaniconuie peayaurara - 9 xoppecnonzenur ¢ Gasartconsit everou N 10901 "Henoxpurrnit yOutror".3.1.1, Ounanconsie noKenHs. Tog BAOKCHHSMH B LeHEBIe OysarH MOHEMACTCA CTOUNOCTS HEHHBX OyNar, OTpARKAeMAK & Gyxrantepcxom yvere Banka 1a cooTsercryromux Ganancoux cuyeTax Ha ocHoBaHHit npwoGpetenna npana coGernenuoctx wa uennyio Gymary. Tox cromocrsio menus Gywar TOWHNaIOTCA Meta CHENKK HO MpucGpereHMiO KeHHBX GyNar Ht AOMOAEMTeMBEBIE U3tepAKH Garparni), npamo camzanuste ¢ ux npHoGperennem. Ecnu uenmie Gymaru npxoGperaiores 10 OTOBOpAM, ABASIOMHMCH TIPOMSEOABINN GHHANCOBLIMM HHCTPYMeHTaMH, CTOUMOCTS WeHHBIX Gywar onpeacasetcn ¢ y'eroM cTOHMOCTH mpousBoRHOTO qiaHcOBOrO HNCTpyMeCHTA B coorseretsun ¢ «Plonoxeuuem 0 mopagKke GyxrantepcKoro yueTa MpowsnonHET cpimaHcoRBn unetpymeittos» (yra, Baxkom Poccitn 04.07.2011 Ne372-IT) (ane —Nosorenne Ne372-I). Haroit covepiticntta ortepatgiii 10 nproGperentio H atGsrrmo (peaaHzanMH) enol GyNarH aBAdeTeR ata nepexona mpas coGcrsesocTH Ha NeHHyIO Gysary, onpeenseMax B COOTBeICTSMH co CTaTbeit 29 Penepanbnoro saxona oT 22.04.1996 No 39-3 «O prixe ucunex Gynarm, s1G0 yenosnanct oroBopa, mperMeroM KoToporo anmieten mpnoGperenHe wm siGorrue (peanHoauis) neHKO! Gymars, eons 9t0 npeayeMoTpeno saKowtonarenscreon PoceniicKoit Denepauut. 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PuickH 2akmoNaioTea B ROSMOAHOCTH YIPATBI BBIMEYKAsAMKBIX JOXOOB: PUCK NpoSeAeHA PeOpranwsallas IMHTEHTA HAM MpeKpauleHUX MexreMBMOCTH IMITTCHTON, 2 TAKAC B BIA orpuuarensuoil nepeortenxn ener 6yMar. Tip nepronatanbtiom nprsuanm wertinte GyMare ouenusaioTer mo cupavearuboit crousocts, yuemuenHoll » enytae HeitHHIX GyMar, olleiRAeNSIX He M10 cnpaReAANAOIi CTOHMOCTH epes NpUGLUb WI YOLITOK, Ha CYMMY 3aTPAT MO cHEAKe, COAIANHBN C MpHOGpeTeHTIEN KeHHEN 6ymar. Crpaneaimpas crounocrs wentHoit Gysarnt — neta, Koropas Goi Gur tonyyena pH npoxaxe nenioli GyMarn B YCHOBHAX OMepaLuH, OcyUlecTANAeMOK Ha OpraiHsonatiHiom pbuKe, Mexay XOPOWIO OCBELONIIEHHBIMH 1 He3ABHCUMBIMH YT OT APYTa YYACTHHKAMH PBINKA Ha AOOPOBOMbHOM OcHOBE Ha jay OHEKKH B TCKYLUIX PHONO yononnax. Hanmysmms nomrmepAUeHHest cnipaneammnoli crouMocru asetca KOTUpyeMaa LleHa Ha akTHBKOM pstnKe. AxtupHEtit pattoK — PHINOK, HA KOTOPOM CHeNKIE 8 OTHOUIeAH onpeNereHNOrO akTHBa Hast OGmaTeRECTBA OcylecTaAAIOTeR € JOCTArOWO! YacTOTO! 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MibopMmauia 0 Kommonercrax pacxoaa (10x0xa) Ho Haxoram: _ 01.01.2020 01.01.2019 anor wa ipaboute 10 156475 3.132.819 Teck eer, 3212918 2.092 187 HAC 3155751 2.052 804 ‘Hanor 1a umyujectso 54 820 33 246 Tipowne 2347 6137 Vivenbinenie (nemmentie) na ormoxeunnit wanor 18 | 5 664 999 696236 npuGstb Hroro 9 702 471 5921 242 5.6. Hinbopwamis o nosniarpaxctenmt paGorumcast Haumenopanne crab pacxo0B 01.01.2020 01.01.2019 pAacxoubi Ha onaaTy Tpyza 14 716 987 11 300 501 Kommeneaitit npH yaonbucnm 6272 6262 mpenuast 5.013 643 4 469 677, vanior W CGopst Bune Wauwenennit wa sapabomiyio | 4 926 645 3 858.033 nary pyre pacxous Wa comepxauMe — mMepcouana 472217 368 102 (commamsnise yt) Hiroro pacxonpt a comepaanne Nepconasa: 25 135 764 20.002 575 6. Conposomureabuas nuopmanis x oT4ery no d. 0409810 06 nsMenenuax » Kamsrae Equncrscuusim axinonepom Banka aniscrea TuCue TPYI XOJNMAM MnIaCu (TCS GROUP HOLDING PLC) (sa 2019 rox 6e3 wsmteuennii). 3a 2019 r. raMenenne (yneaHNeHMe) HCTOMMIKOS KamtTasa Banka, otpaxacnbix B OTYETHOT ope 0409810, upoxzouino m ocuoson 32 cNeT yoenHYcHNA HepacupenencuHol mpxGuimt G0 766 404 rexc. py6. 1a 2019 r. no cpanuento ¢ 15 653 645 rc. py6. 2a 2018 r.).B ormernos mepuione Baxkon Gaunt meiuiasienst ampusiewans B paswepe 12.697 500 rs1c. py6. 3a cuer pHOsiit MpoULABIX eT. @unancosstii peryastat or nepexogia ta Gyxranrepcxuli yuer dsuanconnix HCTpyMeHTOR B coorsererpiit ¢ TpeGowanuanit MexyHaposHoro craitzapra MC®O (IFRS)9 cocrasu 4 031 121 tiie. py6. W oTpaxent B vcToNMuKaX KanHTaa no rpabe «Hepacnpenenenias npuGsias (y6BrtoK)». 7. Conpopoairrecienan mpopMauist K OTHETY 0 ABIEKCIIH AeMEAHEIX cpeseTE 7.1. Hudhopmauus 0 caepKe CYMM B CTATAX OTHCTA 0 ABIACHIIM ACHCAHBIX CPEICTB, C nanueisin 6yxracrrepexoro Ganasica Tlo cocroaumo ua 1 aursapa 2020 roa ite Guano eysint xevtenkusIx epeneTa 11 HX OKMITBAAEHTTOD, uaeiouuxes y Bauxa, xo Kenoctynmx jut ueronszoranus, To cocrostto Ha 1 arreaps 2020 rona Me Gsit0 BbIOpaLIDIX sUAMNTOR TO KPCAMTHLIN AMMHGIM, OTKPHITEX B KOMMepHECKHX Bartkax. [To cocrosnmo xa 1 supapa 2020 roma ne GsuiI0 BuGpaNUEIX AUMETOB NO XpemUTHBI TIAN, OTKpsromx B llexTparbHom GanKe PoceniicKor Pexepanutt. 7.1.1. Mabopmanis o cymtectBenibix OcTaTKax XEHOKHBIX CPCICTR HX IKBHBAICHTOB, UMCIOMMNCH Y KPCAUTHOMI OpraHHsALINH, HO HENOCTYMHEIX UIA HCNOMIORANHA: Octarkon AeHOKHBIX CPEACTA H HX IKUHEAIEHTOB, HE AOCTYNUBIX AUK HCHOMSORANHE, Ha oriermmte narot y Banxa wer. 7.1.2. Viupopauis 0 cyutecraetMbIx HiNeCTAIWONEBIX H GrantcoBHX onepaATUIAX, He TPeOYIOMUX HeNOABIOBAIEE NeHEAHEX cpenCTA: Unnectutnomue 1 fpunarconme onepaltni, He oxaininaiomme wertocpexctsemtor BORMCHCTBHA Ha TeKYUMME JeHeAMBIC TOTOKH, T.c. He TPeGYIOWMe HCHONDIOBAHHA ACHE HEN Cpeacrs WAM okKBMBANEHTOB, HO BAMAOMIKe Ha CTpyxTypy Kamuraia uw akTHBos, Bank He ocyimtectesta, 7.1.3. Unchopscaus o nencnonssosaHKbr KPeUUTHEIX CpeCTBAX ¢ YKABAHHEM HMCIONEXCE orpaHivienitit 10 ux MeHOTs3oRAHRIO: Hencnomssonannx KpemiTHEX cpeneTs, & TOKE OTpAHHYEHNT HO Hx HETIOEsOBAINIO, Ha nary oxounaius oryerHoro nepuona y Bauxe ner. 7.1.4. Vinbopssauna o pevtexinx noToKax, mpercraRAmOUNIX yBerRYEHHTe OnepaLNOHHEX BOIMOAKHOCTEM, OTHeNbHO OT NOTOKOB jeveKTIAIX CpeCTB, HCOGXOAHMBIX UIA HoLepHAIH ONEPAUHOHABIX BOIMOAHOCTEH: OGvem swiInKcHHA ReHExHBIN CpeNCTS OT OMepALOHHO!! AeATEMBHOCTH ARAACTCR KTIONCRBIM noKazareren apecrusnocte seaTenbHocTH Ganka. OcHouNLM wanpaBreHNeN jeaTeMbHOCTH Beitka apnnercs norpeSireatcKoe KPCIHTOBAHHE H MpHaeeHNe AeHOsHTOB duIMYeCKHEX JTL, COOTHETETBENHO NPOUCHTUBIE H KONHCCHOMHEIE AOXOALUpACXOAD COCTABARIOT GomBULYIO WaCTH NOTOKOR XeHEATLN epexeT Heo6XOANMIEN VIN MOATEPAANNA OMePANHOHHTN Bomo:xHOCTelt Granme npexerannenni n Thiewsax pyGzelt): Hanmenowanne craron 01.01.2020 01.01.2019 Tiponenra noayaenmne 83.219 508 68 144 544 Tpouenrst ynzavensie 17637 456 | ___-13.424 179 Konuceun nonysenmne 57476 581 42303 495 Konweou yriavenuste =37 178 692 =22 885 5208. Mndopmauna o uenax m nosirrnke ynpaBsienns puckaMn, cBsBaHbOM ¢ hunancoBEiMit MuerpyMenramt. 8.1, Hudopsauns o mprmustacmsrx Bankoo saasnonix prexax Bank npraaer 2ovAnoe BHHMARHe BCeM PHCKAM, ROSHHKALOMLEN B ero AeaTenbHOCTH. Cert IMpoxoro CHlekTpa PHCKOH, BOSHMKAIOUUAK B GaHKOVCKOH AeATEBHOCTH, BEUMEMCHBI IHAMHNBIE JR Bauka puck B COOTRETCTDMH C YCTAHORICHHOR BHYTPCHHHM: ZOKYMCHTAMH MeTORONOTHell. K auesinanan prcxast Bank ornocitt Kpeamrubiil (kax ocitopttoit npxt Texymtelt Gxsmec-wonemst Banka), POU, onepauMOHME PHCKH, a TAKE PHCK MMKAKAHOCTH H MpoueHNTHEIi puck GaHKoRCKOrO noptijers (wkmovas cpoficTenuBIe HM MpomBrenKA pucKa KoHMeNTpaus). Kpome yKasanaBe auasinesx pickos 8 2019 roay Bank ouenmpan mparonoit, peryrammonnust (pHeK nOTepH 1es1080% penyraltun), cTparerH4eckHi, H CTpaHOBolt PUCKH. Kmoxesoli uemsio ynpasnenis pyckama saBaerea OMepaAHHe ONTHMaMBHOrO CooTHONEHHs pUcKa H AOXOAHOCTH B pamKaX YcTaHoBIeHitoll CKAOHIOCTIE K PUCKY. CKNOHHOCTS PucKos yeranonseHa TaKHtM OGpasoM, #TOOBI MaKCHNATEHO OXBATHBATS piicK-NpodHAs Bara. Baik nocrossHo crpemiTes K CORCpuICHICTROBANTIO CHeTeMBI ynpaBIeHuA PUCKAMIE H KanHTATOM H BUCTpANBANM C& B cOOTSCTETBHM ¢ aysUNNU poccHiicKH H sapyGexmEIMH paicnexamy it cranixaprantt. 8.2.Ceeaexti 0 erpystype 1 06 opramisani pa6orsr noxpasestenstit, ocymtecrs.amromNX yiipapsrenste prickan it KamirraxoM: Cuctema ynpapnenia pACKaMH BKIIONAeT B ceGs HCHTHUKAILHIO DUCKOB, OCHKY PHCKOB, Onpexeneate AUMHTOR PHCKa, MOMIITOPHHT, KONTPO H OTHETHOCTS, a TakKE Opranisayytto BHYTpeHHHX Mpolleccon H Npoltexyp YupawleHNs pHCKAMN. Bawk MpUMeHseT KoMUENUMIO «TpEX SIMHKG 3AULHTBEY = MpURATHe PHCKOB, YMpaBNeHHe PHCKaNM, aysiT — KoTOpAR OGecHesHBaeT odipextumioe ynpantenie puckon H oTeytersie KompamKTa mTepecon. Cipystypa ynpasneuna pickasi npencrasiaer coo tpexyposuesili npouece: — nepasiit yponens ynpannenna (ocywecranaetea ConeTom anpextopos 1 KoMHTerant, cosaaimbimu mp Conere aupextopos) — ynpasrtette copoKyHHEM pHCKON Banka. PesyauTaToN MauHoro Mpottecca saaaetex, B TOM “McHe opmupowanne tpeGopainii mu orpainiennit 10 nponeccam ynpannenns puckannt x Banke. Ha naxtow yponte onpexeamores 1 yrnepeatoror HOAMTHKH M CTaHJapret ynpasnenua pucxamn Banka, onpemersetca goctaroutocrs wit neoGxomuMocrs yuenuenns Kanvrasta Baska; — Bropoli yponens ynpapenua (ocymectaasetcs TIpanncuvem Baka H KoMurrerant, costaitintn npi TIpasstenian (Kpeaurrnit Konirrer (KK), utantconiat Koxatrer (DK) a xpyruact konervtanoubini oprariassn, onpeaenenuumsat [Tpanzeuien— ynpabzenite piickasen Barixa » panexax orpaunienuii TpeSonanuii, ycranonnenten Ha 1M ypoRHe ynpannesus, Peaynsraros 1aHHOrO pouecea smnseres, B TOM YHCRe GopwuponaNHe TpeGonaunit m orpannenHH K OTHENDEIN cnesikans, omepaltiAnt, NOSHUMAN, HOPOXAAIOUIHM PNCKH CooTBETCTByIOMIerO THA; ~ TpeTuit yponem ynpasmentia (ocymectonsere JlenapramentoN pHcKOB Hi HHbING crpysrypabunt Hloapaszenenmasnt, onpeaenernminn Tpaniennen Bawxa) — ynpavaeune pucxasn Bauxa » panixax rpeGosannit n orpammeustii, yerawonnenmbtx a 1-M 1 2- ypoosiex yupanmensts, paspaSorka npextoxcunil no waseHenmto cHcTeMb yrpansenia pucKant H KantuTastoM. K TpeTHEMy YpOuHO ynpamtenHs picKamy oTHocaTes: CayaGa Yupansenns puckanut, CayxGa suyrpenero kourpous, CayaGa auyrpeauero aysurra. Pynayuu Cosema dupermopos: ~ ysaerte n paspaSomee, yrnepavtenic u peamoauun BIOJK » Bauxe; ~ ytepactene crparerit YnpaBTeHH pHCKANMH H KaTuTaIOM Baska, w TOM uMeNe B ACTH oGecnevenns xocraTomocTH cOOCTHEHMEIX cpercTR (KANHTUIA) H JIUKBHANOCTH Ha IoxXpstTHe PWCKOR KAK B UeNOM 11 Banky, TaK H Mo OTACISHBIM HAMPARTeHHAN CTO sesTENBHOCTH, a TAHAyreepxuemie nopanka ynpaprenus wauGonee 2HaumMEned JIa Banka pucKaxit # KOHTpOM 3a peanvsanwelt YKasaNHOTO NOpARKA; — yrsepxacune mopayka mpamenenis GaHKOBCKHX MerOsHK YIpaBMeHHA PUCKAMH H MoneNeH KoaHYecTaeHHOH OMEHKH PuCKoB (B cay‘i2e, npeaycNoTpeHNHiOM crarbelt 72.1 OexepanbHOTO 3aKOHA «O Llentpastnow Gaune PoccuiicKolt exepauuis (Bake Poccisn)»), sxutowas oNcHRY AXTHBOR H oGssatemcTs, sueGanancopuix tpeGosanuii u o6msarenscTs Banka, a Takxe cuenapHes u pesyasraton erpece-Tecruponains; = yraepacieune nopsika npenoTspamenita KonpmuKToB HETepecon, TAKA RoCCTANOB:TeHHA ¢umancosoii yetotisnaocTH B cxyae cymecTBenttoro yxyautenita dintaniconoro cocrostux Banka, naana xeficranii, ManpaRieHusx na oGectexeHAe HempepsIBHocTH sesTeBHOCTH Ht (Hu) BoccTaNOBTeHKe wexTeHOCTH Banka B CHYYaC BOSHHKHORCHHA HECTANAApTHBIX H SpesBHrialiABN cutyanuii, yraepxaenne pykonoautena CayxOst puytpenmero aysura Banka, mana paGotsr Cayaxur auyrpemnero ayaura Banka, yraepaaenne nontTHKu Bauka 8 oGacTa onmarbt Tpy@ KONTpoUb ee pealnsaliHit; — eReToIHOe PAceMOTpeHHe BOMpocoB B paNKax csoeli KOMMeTeHMWU 0 HeOGKoZNMOCTH BHeCeHMA H3MeHeHHit B CTpaterHio, a TAKK B MHBIC JOKYMCHTEI, paspaGaTbIBacMbie B PaNKAX BIOJK ( rom sexe n yeratopaennyto cksiorHlocts K pHcky), — ocyiecranenme Konrpona 2a nuinonmenuent BITONIK n Barke u 1x odthexrumHocrsio; — pacemorpentie orueton ® pamkax BITOJIK (8 Tox sucne 0 pesyabrarax Bsinonmenu BIONK; o snayumerx puckax (0 co6moxeHHH ycTAHOBMACHHO! CKMOHHOCTH K pucky); 0 cTpecc- ‘TecrMpowaHtHit KannuTasa); — Mpopenenve OUeHKH COGMONEHHA EXHHOMHYHLIM HCONHMTeEIEHSIM opranoM Banka 1 KONMCrH@IbHbIM HCHOAHATEALEBIM OpratON crpareruit 1 Nopankos, yrBcpxuctM CoBeTOM aupextopos, Ha octione orseror Cnyx6m ntyrpenero ays; — npinstue pemenuit 06 oGsaanHocrsx unerion Conera mapexropos, BKMOKaA Opasowauine B ero cocTane KOMITeTOR, a TAKKE MPOBOAMT oneHKy coGerBEHNO! paGoTH M HpexocrasnAeT ce pesyasrare OGmemy co6panwio axunonepos Baka; — yTepanenue Kanponol MOTHTHKH Banka (nopsioK onpeneenuia pasNepos orcTAt0S pysonoumreneli Banka, nopazox onpencncra pasnepa, opM M HAMTICHEHIER KOMITEMCAMMOTEIX It eTHMynupylonUX BAINaT pykonomwrens Banka, pykonomwremo Jlenapranenta pxcKos, pyKonomuTemo CayxGut BuyrpenHero ayanta, pyKoBositTemo CayxOst BHYTpeHIerO KOHTPOAR 1 MBI PyXOBOANTeAIM (paAGOTHHKAN), MpHRIMAIOUNM peuIeHUR o6 ocymecrerenH Baxom onepattit H HEBIX CRENOK, PesyNbTATbL KOTOPEIX MOTYT MOBAHATS HA cOOMogcHHe BaxKow OGRareNbUBX HOPMATHBOB HLTH BOSHHKHOBCHHC MMBIX CHTYALMM, YrPOAWOUMNX MeTepecaN DINAMHKOD Ht KPeAHTOpOR, DKATOYAR OCHORAMIA JIA OCyMeETHTeHNR Nep NO MpexynpexeHH1o necoctostenuttocru (Gankporcrna) Battka, Keaimbikanonntse TpeGORAHH K YKASANHEIN AHLAM, a Taioke pasMep ¢boriza omarst Tpysa Baxxa). Pyunanau Hpacnenus Banka (Ipedceoameas lpacenus Bana): = yimepxmacT Mpoueaypbl YmpaBACHX pHCKAMH H KamtTAIOM HM MpoueypEt crpece- ‘reorupouanna, a Take OGecrlesmaer BuuMONILeMHe BILYTPeHIMIX NPOWeAYP OUEUKH AOCTATOHNOCTC kenvrazta ¥ noyLlepxanne ypoatia ocravo4KocTH coBcrweHHBx cpencTe (KamHTaTa) Banke; ~ exerozo ollenuBaeT CoOTBETCTAMe NpOLeAYP YnpawlenHs pHcKANH, B TOM NHCHe MpoUeAY arperuposaHiia puckos, TeKyitelt cHTyauuM B Banke, B TOM “che Ha MpeaMeT OxBaTa CyUMeCTRCHISIX HanpanreHAit AesTeMBHOCTH. TIpx MeoGxomUMOCTA HMHUUpyeT nHeceHHe KOppeKTAPOBOK B MpOUEAYPHI ynpaBeHHs pHtCKADH; — exerosuo paccMarpuaet nonpoctt B paNKax caoeli KoMMereMIUH 0 HeoGxoAHMoCTIE ariecenne wsenenit B noKyMeHTs, paspaGoranniie n pamkax BIOJIK (e Tom sHcte B METOLOOFHNO H NPOUeNYPHI OMIPEReEHHR SHATUMOCTH PHCKOR, B MeTOLONOTINO Kf MpoLleAypHt ATPETMPOBAHNA KOANMECTBCHAEN OLCHOK 3HAMIMAX PHCKOS; B MOpALOK ycraNonneuna, YeTaHOBNeHUYIO CHCTEMY H MPOUCAYPs KOHTPORR AHNUTOR TO KaMNTALy WX cHTHATLANX Siaernti; & mpoueAypl! KONTpOIA McHomAOBANKA sHMUTTOD, HepeYeM KOppeKTHPyTOULNEMepompusitiii, npowteaypst wopNupopanits oprasios yitpaseuNs O HapyIeHMit yeTANOBNeHMBX MNTOBS — paccMarpunacr PesymbTaTH! OUEHKH PHCKOB, BIIMOLUX Ha AOCTHAeHHe MOCTABKEMHIX ueneit, ¥ NpunATHe Mep, OGecneNMBaoUNIX pearnpoRaHNe Ha MeHsIoMHect oGcronTemLeTDA 1 yenontia » uenax OGecteuenna sperrusdocru ouemia SaNKoncKHX PHCKOB B PaMKAX CBOHX nomomounis; — yrBepanaeT 3HaYeHMA YoTAROBICHHLX JNHTOB NO KaNHTALy MUX CHTHATBHBE sHaveHIA; = oSecnemmaet nemomnenue BITOQK m moatepxanme jloctarowocr Kanata Ha yeranosnentiom Baxom ypoatie. Pyncyuu Kpedumnoz0 xoxeumema: = cGecrtewumaer yorosia Jue opexTuMHOl peammsanum nommTuKH B cipepe OLeHK H {YMpannesia KPEHUFTHBIM PHCKOM; — TIpHAHAMAeT peleHMs 8 paMKax cnoeli KOMMCTEMUMH NO YaNpABeMHMIO KPCATHEIM PCKOM; = ocyllecraateT KOHTPONS YPOBHE KPEAHTHLIX PHCKOB, BOSHEKAOUNEX B Mpouecce nesrensHoctn Banka; = ocymecrs:wier paspaGorky 1 peanaumo Kpemenoii nomminen Bask. Pynxyun Punancoao2o Komumema: — o6eeneummaer yonosna sua sbbexTasnoit pearwzauun nomTHKH B ctbepe yupaBseHt [PBITOMHIEIM PHCKOM If PHCKOM AHKBHGIOCTH; — Tpwmunaer peiieniil B pankax cuoelt KoMneTeMiAN Mo YnpANTeHHIO PUIHOUNEIN PACKOM i HCKOM sTAKBHAHIOCT, — onpenenset cIpyktypy aktHpon 1 naccnwon Banna ¢ wenbio nonyyens MaxcunansHtoit OXOANOCTH MPH OrPAMUeHAKE RoBNOrNOTO PHCKA JKKRANHOCTH, PLIHOUHOFO PHCKA H PHCKOB, xozisitune B ero cocTaB. ynxiyun Cayouc6e ynpasrenua puckanu (lenapmaxenma puckos) Bauxa: — paspaSautnaer, BHeapser, conponorciaer Ht couepwneHtcTByeT cHICTeMy yMpasmicuita pHrcKast Banka Ha Youosusx cooTBeTeTBUA TpeSoBaNHaM crparerim pasBiTHx Balika, tpeGosauan 1 pexowerttaittas Baitka Poccitt, pexoesiaauna Bascasckoro Koxnrera to GankoneKomy Haxs0py 1 AY‘ MMpODEDE MIpaicritkans; — oGecneusaer dynKuMoHMpoRARMe npolteccon wnenTHpuKaumt pHcKon BaxKa, tipmeuMaet ocHontioe yuacTHe 8 Mpowteccex HEH THCpHKALH PHCKOB Gara, MeTOROsIOTHNECKH omteprCUBACT CIpyxTypusre nogpasnienensis Banika 8 npowteccax wacHTHdpiKallut PACKOB; = ouenimaeT m ananwaupyer pucKu Banka, dbopupyer mpemtoxcnua (saxmouens) 06 Ympasneunnt pHCKAMit JUIX PYSOBOACTBA M (IIH) yNOMHOMONCHUBIX COTPYANHKOD, erpyymxiualt sauaNya Monestett.Pynxauan Drnancoaoz0 Denapmanenma: — cocranier w npexeramiier Ha paccnorpenie [Tpapstesuro mpoekr mstauonoit expyKtypsi xenrana Banka 21a nansuciimero yrsepamenua Cosco jutpexropon, nonrorannsacr 1 npenocrasaset IIpantensio Banka npowne npexioxeHna To yapawresiuo KansTaOM Banka 1 06 yaenmvennnt karmtana Banka; — ocymiecranser OusHec-taHHposanHe Banka ¢ yeTom auNHTOB H orpanuuenuit, YoranoBNeHHsiX CKMOMHOCTBIO K picky, H WeAeBEX ypowteli pricxa Banka, a Take B paspese ‘xpeGonanit x xanurrany; — OpraHi3yeT npouece ynpaBrcHHA KamHTaIom Banka; — ocymecranser oueHky M MOMITOpHHT joctaToMOcTH Kamrrana Baska w onenueaet norpeSnocre B Kamran ita nepereKTaBy. Cayacda enympennezo ayouma Bauxa: — npovonir ouenky a(eKraBHOCTH cHCTeMBI ynpaBHenuA pHeKamH m sLOCTarosOCTBIO Kanvtana, n TOM ‘sMeHe poBepKY MeTOONOTHM OKeHKK PHCKOB M MpoMlesyp yMpawseMuE PucKAAA, YeTAHOBNCHHGIX BUYTPCHIHNH JOKYNEHTaMH (MeTOIMKANGE, MporpaMMaMit, Rpaststast, TOPARKAMH HT.JL) I MOAHOTS MPHMCHEHIA YRAIAMHBEX LOKYMCHTOS; = NpoBOAHT MpoBepKy m OeHKY cHCTeNE BHYTpertero KoNTponA Bartxe, suamaneT wt anammnpyet mpoOzesbi, caasaiunte cee pyHKUMONNPOBALHEM, pOBONIT OLeHKY xpexruBuocTH HeHOMSSyeRsbIX MIPOLECCOB it MpOHEALYP BUYTPEMMeTO KONTPOAA; — ocyuieeraaserca Korrrpomt 22 oderumuocrsio MpansTEIx NloapasmenenNsa x opranannt YnpARNeHA TO PeayABTATAM MpOREPOK Mep, OFeCMETABAIONUX CHICKCHNC YPOBLER BAtaBTeMIBTX PHCKOB, WJM JOKYNENTHPOBAHHE MPHHATHR PYKOBOCTBOM MlOMpasneneHNR n (wu) oprasantt YIPAWTCHHR PELICHHA O MPHEAUIMOCTH YpOBIIA K CONCTAHHA BLIABACHUBIX PUCKOB AIA Banka; — unbopmupyer Coner jupekTopon Baxka s HenommHTesbHBIe Opratist ynpannenia 0 BUMBNEIIIIX NeHOCTarKeX B PYHKUMOHMPOBAKMK CHETeMBI YMPawIeHHA PACKANH AoctaTouNocrsIo KaNMTana W nelicTaMaX, Mpe_MpHHATE AIA WX YCTPAHCHHS, O BBIFRNCHHEI HeXOcTatkax B MCTOOTOTHH OLLCHKH H YMPARACHHA PHCKAMH, 0 HeOGKOAHMOcTH BHreCeHHA WsMeneHutl B eTpaTerHio YpaRIeHHs PHCKANH H KANHTTATOM; = OcyulecTRAAeT MpoRepKy OTAeNDHLX 9eMeHTOR cHCTeMM YIpABACHHR pHcKaMK 1 KAMHTATOM B PaMKaX MPOBOAMMBIX TeMaTHCCKHX (KOMIULEKCHBIX) MpOBEPOK; ~ ocyuiecranser anams 1 oxerky peamrannin BITOJK » Banke, xoueropuur seuomeni yerantonzentsix » BIOJIK nponeryp xourpons. Pynxyun Cayoreies enympennezo koumpona: — BuiaBAaCT peryaRTOpHMH pice; — ocymieetanser yser coGsrmiii, cBmaHHEX ¢ perya#TopHtsiM pHcKOM, onpestenseT BCPOATHOCTH CO BOSHUKHOBEHHS 1 KOMHYECTBEHHYIO ONCHKY BOSMOXKUBIX HOCAECTBHI; = OcyMLeCTOAAeT MOUNTOPHHT peryaxTOpHOre pHCKa, B TOM YHCKE UpowoRT aNaLuts pueapaestix Baiikom woasix Ganxoncknx mpostykroR, YCuyr M TLIAUNPYeMBX NeTOROR HX peaviusauuist Ha npeaMer HamHwita perynsTopltoro pxcKa; = nanpaaser, B cayyae HeoGxoaMMocTH, PeKoNeHLtanuit HO ynpaBacHMO peryasTopHENL pHCKOM PyKoBOAHTenAM HlosIpaavienckMi Baxka, 2 Take FIpaprenmo n Conery suspextopos Battka; ~ undopsmpyer coyxauurx Banka 1lo sonpocam, cBssakitbM ¢ yMpaBNeHKeN perysixTOpHEN pucKons; = puianager Komtmucron mnrepecon xerrentnoera Battka Ht ero cxyxkaux, yoacrnyer pespaGonce mityrpeniinx JOKYMEHTOR, HanpannenTninx Ha ero NHIMHNEEALIEIO. K nonpaaienema, ocymeereamoum @YHKLUN, CRSIAHUBIE ¢ MpHATHEM pHCKOB, omocatea: J[enapranettr npoayxTon H noprpensioro menescaMettTa, IOpamHyecktit nenapraxen, Gmmancopsit aenapranewr, Jlenapraneit Kopnoparmmioro piwancuposanua, Jlenaprawentpasnumia Gusueca, Yueriio-onepauiouuui aenapravenr, Jlenapranert Gusuec-texnonorii a onepausii, Yapasnenne menosntapssnx onepauici. 8.3.Kpexurrmmtié pre: Kpenuruniii puck - puck sosnnxnonciua y Barka y6uitxon meuenersue weucrionenns, Heenoeepemextioro 1HG0 HeMOAHorO HCRONKEHKS KOWKUNKOM (bittaHCoBEIX OGaszTeNLCTS nepex Baixo 8 CooTBeTcrBHH ¢ Yen0BHANM AOTOBOpA (F.e. BEPORTHOCTS HEBITIOMHEHNS KONTPAKTHBK ‘OOs3ATENILCTE 3aeMMUIKOM HI KONTPAreHTON Teper KPeAUTHO! Opranusaite!). Ocnosnmns nanpanenve pasmemena cHextnx cpencrs Banka snnactes KpesIHTOBANHe Qpwousecxsrx nny (KpeNTHELe KAPTEL, KPCANTH HAMITALINN, NOTPEGHTENDeKHE KPeAHTH, KPeAUETEL Hod 3Wior We;MIAUMOCTH, aBTOKpeANTH) M PaIwITHe KpemHToDaHUA MaTOre H cpemmero Rpeanpunusrerscraa (OGopoTHsIe KPeMITH, KPCIMTAMe THEM, oRepApabrs, GaxKoBcKne rapanTuM M{ T.2,). CooTperctaenio, KavecTBeHHOe YMpanienue KpeMHTILIM pHicKoM H ero KOMMOHeHTANH ABASeTCA NPHOPHTETUBIM HanpaBneNHem sesTebHOCTH Baka B o6siacTit YipanneHna pucxanit. YmpaBieHRe KPETHTHBIM PHCKOM EXONHT 8 COCTAB BHYTPEKENK MpoUeTyp ‘OUCHKI OCTATONHOCTIL KAUHTETA, 470 HOIBONACT BCCCTOPOHNE OXBATHIBSATS PASTIME ACTleKTSE RINE KPeAMTHOTO pAcKa Ha ZeaTenbHOcTe Batka Mpx PopMupoRanuH BHyTpentel crparerst YIANTCHIEA KPeAUTHBIN PHCKOM, OMPEeTeHNH ero TTAHOBSIX sHaveHUit POpMMpOsAKIHH AHNHTOS pasmusnoro ypoaita, Puck, coazammnie ¢ menaarexecnocoGHocTHIO 3aeMiIKa, MUHMMIBMpyIoTcR nyTem NOCTORUHOTO MPHNEHEHHR CTATHCTHYECKHX Moxeueli OMCHKH BeposTHOCTH HeBBIHOAHCHHR OGgzaTembeTe saeMuINsKOM (CKOPHAT) H HX peryaapHoi axTyaNIANNH (B TOM HNCTe ynpABNeNHe KPOAHTHBIMIEATHMirTaM), a TaKKE MYTEM COBEpUICHCTROBAKHA MPotlecca BSICKANHs TIpoCpOeHHO! 3a10MKeNHOCTH, B CKOPHHNOBBIX OWeRKAX MCTOMBsyeTcR aNKeTHAR uNopMalUA, KCTOpHA saamMoomonicnuii sacmuuiKa ¢ Banko, a TacKe mMopMalln 13 pasmiemer Bleu eroumxon, B cay'ae HeBOIMOXHOCTH NPHNeHeHHs CKOPHHTOBEX Moemelt VIA OTHETBHBIX THHOB SaéMIMNKOB (lopHAIecKHe JAA, KpemICTHBIe oprannsaustH) npscunoter pelimuropite (txt Hubie) Moyten onleHKH puKANCOBOTO MONOReHTR 24eMIIKOB. 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Tipouenypst ynpasnemta xpeawrusin puckom Banka ocitonati 1a wenomssonanint ‘enenyloutirx ocHORNEIX HHICTpyMeNTOR: = ollenka H ocymecTANKe MBit Ha MocTOaHHOl OcHoRe MomtTOpHNIT KpezHTocToco6HocTH 3HEMIHKOB H HX PAHAMPOBAHHE B SABHCHMOCTA OT BepORTHOCTH HApyIeHMR sacMmIHKaNM oGssatembcrs nepex Banko; ~ AMMETHpOBEHHe KpemIHTHOTO pHcka, OrpaNHUKEaIOMee MpeAcTbUstit OGLeM noTeps Baitka B caysae oTacmBNOTE AePorTHOr coGBITHA (ICHCHOANCHUA sAeMUUIKOM cBONX OGAIATERECTS B CooTRETCTRUNK € 2aKTIONEHITHIN s1OrOROpO.); ~ Mcmlons30BaNHe Mpoueslyp crpecc-recTHpoBaHHs; ~ oBecnesene ccyaMol sa1oMKEHHOCTH SNENEHKOB.8.3.1 Knacombuxauna axtiBoa no kareropiaM KaecTBA B raOimne noxasanet xKaTeropua xavecTBa ccya mM MpyACHUMaTbUBIC pe3epBBi, cchopuntponanunte » coorpercraun ¢ Tonoxennent 590-! 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Obiyax cyniva condaex PRTC 3759565 11935 107 Ceyass, ouenmeaesnie a noprpeauno’ octone TeaTeropna kavecroa peero, p Tom ene: 0 7 ‘MEXOAHKONEKAN 3ARO7AENOCTH ° ® “junOsPRENHOETE op. RAPT o ? Sanommeroere Gs.ait o o TL xareropws eawcerva ucero, wom were? 309267 850) 193 16788 _wexGankoncnan sanonacenvocts 0 ° utomKentocr top zn HIT 317 #86 26a samomcenmocre is. 308 749 964 191 87026 Tif eaeropux xavectoa ucero, w TOM wuene: 17941 906 9272 10 [MEXERIINONCKAR 3AROMDREHNOETL 0 ° “rutomKeHNOETE op tial NATL 17384 3308 sanomeimoere Gus. 17934322 9267 OE TV seaveropres kavvecraa neero, n Tos wNene: 139137 684560 ‘wexGanikoncrax sanomwemocrs 0 7 ‘aanomkenoers wp. sunt w MPL 738 [ TO autonrcenwocr is. 1384 453 680351 ‘V katrer opin Kaveeroa nero, 810M acne! B69 21 680 407 MExTAHKOUCKAN 38R0KEHNOETH e ? SaAORREHNOETS ep. K HET a 3a26 aaaomeennoere guest 35627921 21 678 975 uTOro 362773332, 23 755 026

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