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Regulations and documents. Main banking regulations Other terms of service

1. Working hours structural units Bank, during which the acceptance of settlement documents of clients is made for their execution by the Bank, it is established:

For the Foreign Exchange Department of the Head Office: from 9:00 am to 4:30 pm with a lunch break from 13:00 to 14:00;

For additional and operational offices of the Bank: in accordance with the operating day of each internal structural unit.

from 09.00 to 11.00

Sale by the Bank at the expense of its own funds foreign currency to the client

from 09.00 to 15.30 hours

Sale of foreign currency, including mandatory sale, in cases stipulated by foreign exchange legislation, on the interbank currency exchange on behalf of the client

from 09.00 to 11.00

Purchase by the Bank using its own funds in russian rubles foreign currency at the client

from 09.00 to 15.30 hours

4. Features of cash withdrawal money in

foreign currency through the Bank's cash desks

4.1. Cash withdrawal broken down by banknotes at the disposal of the Bank at the time of cash withdrawal of foreign currency is carried out at the established opening hours of the Bank's cash desks in the following order:

4.1.1. For amounts subject to withdrawal and not exceeding 00 US dollars or euros, - withdrawal of funds is made on the current banking day without prior notification from the client;

4.1.2. For amounts subject to and exceeding USD or EUR 00, as well as for any amount in a freely convertible currency other than USD or EUR, funds are issued on the next banking day, subject to prior submission of an application to the Bank by 11 00 hours of the day preceding the receipt of funds at the Bank's operating cash desk. The specified Application for receiving cash in foreign currency can be drawn up by the client both in writing and sent by phone. The telephone number for accepting Applications at the Head Office of Ellipse Bank is set as follows:.

5. Other terms of service

5.1 Payment for the Bank's services for settlement and cash servicing of the Bank's clients in foreign currency in accordance with these Tariffs is charged by the Bank no later than the business day following the day of the transaction, the provision of the service, except for cases directly provided for by the provisions of individual clauses of these Tariffs.

The provision of services by the Bank, the conduct of operations on behalf of the client are subject to payment by the client in the amount and in the currency established by these Tariffs. In case of insufficient funds in the Client's Account in the currency in which this or that operation was carried out, this or that service was provided, payment for By the Bank, transactions on behalf of the client or the provision of services by the Bank is charged by the Bank in Russian rubles at the expense of the balance of funds on the client's current account in Russian rubles, or in a foreign currency other than the currency of the commission established by these Tariffs ( set payment for the services of the Bank), from another Client Account with Ellips Bank in the equivalent converted using the currency rate of the commission (payment for the Bank's services) to the Russian ruble or using the cross rate of the respective foreign currencies at the official quotations of the Central Bank of the Russian Federation, effective on the day the payment is due.

5.2. Commissions and expenses of correspondent banks are subject to compensation by the client in cases stipulated by the conditions conducting individual transactions by the Bank, no later than the business day following the day the Bank receives the corresponding notification from the correspondent bank in the same currency in which the transaction was performed. In case of insufficient funds in the client's account in the currency in which this or that operation was carried out, the commissions and expenses of correspondent banks are subject to compensation either in Russian rubles at the expense of the balance of funds on the client's current account in Russian rubles, or in a foreign currency other than from the currency of withheld commissions or expenses of the correspondent bank subject to compensation from another Client Account with Ellips Bank in the equivalent converted using the exchange rate of the correspondent banks' commissions to the Russian ruble or using the cross rate of the corresponding foreign currencies at the official quotations of the Central bank Russian Federationeffective on the day of claiming compensation for commissions and expenses of correspondent banks.

5.3. In the absence of client accounts in foreign currency with Ellips Bank, payment for the Bank's services when purchasing foreign currency for Russian rubles in the foreign exchange market on behalf of the client with the subsequent transfer of the acquired foreign currency to the client's account in another bank, as well as payment for foreign currency transfer is charged by the Bank in Russian rubles in a non-acceptance manner no later than the business day following the day of the service (operation) at the expense of funds on the client's current account in Russian rubles in the amount established by these Tariffs, based on the equivalent converted using the rate of the currency in which the payment for the Bank's services is set to the Russian ruble at the quotation of the Central Bank of the Russian Federation in effect on the date of payment.

5.4. In the absence of the Client's accounts in foreign currency with Ellips Bank, the Bank will charge the Bank in Russian rubles without acceptance for an operation to transfer funds in foreign currency provided by the Bank as a loan to the client's account in another bank on his behalf. on the business day following the day of the foreign currency transfer operation, at the expense of funds on the client's current account in Russian rubles in the amount established by these Tariffs, based on the equivalent converted using the exchange rate in which the payment due to the Bank is established, to Russian ruble at the quotation of the Central Bank of the Russian Federation in effect on the day the payment is due.

5.5. In case of cancellation or revocation of a payment document received by the Bank, the amount collected as payment for the Bank's services, as well as the amount collected as compensation to the Bank for commissions and expenses of correspondent banks, are not refundable.

5.6. When transferring funds received after closing the Account, the payment for carrying out the corresponding operation by the Bank is withheld on the day of transfer.

5.7. In the event of a refund of funds for the transfer due to incomplete or unclear instructions and provided that the reason for such a refund is not erroneous actions Bank, the amount collected as payment for the execution of the said operation by the Bank is non-refundable.

5.8. All commission fees and expenses of correspondent banks, which the Bank bears when executing client orders related to transactions on the latter's Account with Ellips Bank, are compensated by the client at their actual cost for each transaction in cases directly provided for by the provisions of individual clauses of these Tariffs.

5.9. These Tariffs apply to standard banking transactions and services. At the same time, the Bank may, on the basis of a separate agreement with the client, provide on a paid basis additional types of services that are not provided for in these Tariffs, as well as change the size of the tariff rate for a separate operation by agreement with the client.

The rates of these Tariffs are applied only to those operations and services, the execution of which is carried out in the usual procedure for banking practice. If the Bank's performance of a particular operation, the provision of a particular service on behalf of the client requires additional costs or additional volume of work, the Bank reserves the right to charge an additional commission, about which the client will be notified in advance.

5.10. The Bank has the right to unilaterally change, supplement or cancel these Tariffs. Bank rates in new edition (with amendments and additions made) within the period established by the agreement of a bank account in foreign currency between a credit institution and a legal entity (resident of the Russian Federation / non-resident of the Russian Federation), are posted for review on the Ellipse Bank website on the Internet, and are also posted in the premises of the Bank for work with clients.

5.11. The Bank is not responsible for the late notification of customers about changes in these Tariffs in the event that the need for such changes was caused by the requirements of regulatory legal acts of the Bank of Russia or other regulatory bodies.

Business processes and the management system of a modern bank are so complex that one cannot do without their mandatory documentation. Each organization develops its own set of internal regulations, nevertheless, such of them as the regulation on the organizational structure, divisions, job descriptions specialists, credit policy, banking risk management policy, interest rate policy, internal control rules in order to counter legalization (laundering) of proceeds from crime ", and terrorist financing, information security policy, are relevant for most banks.
The main task of internal regulatory documents is to improve the manageability and controllability of organizational, technological and accounting processes and to prevent non-compliance with the requirements of regulatory bodies, as well as incorrect, unacceptable or even dangerous actions for the bank by employees. Internal regulatory documents are approved by the head of the credit institution and are mandatory for all employees of the bank.
Let us dwell in more detail on the description of the most important of the internal documents (such accounting regulations as accounting policy, document processing technology, etc., will be considered separately), presenting approximate options for their design. From a practical point of view, this is important, since there are still no generally accepted and approved standards for the forms of internal regulations of banks, and each of them solves this problem for itself independently, without coordinating the adopted form with similar already existing ones.

which banking professionals often use in their speech

date of publication: 04/26/2013

update date: 10.04.2019

Bankers know very well regulationsthat regulate their activities. These documents are re-read in the bank many times, depending on the complexity of the operations and the appearance of new ones. Moreover, in Russia laws, instructions and regulations are constantly undergoing changes, often very significant, and you have to re-read the documents. And the numbers of these documents are quickly remembered. Behind these numbers stands a whole era of development of banking in Russia and a huge amount of knowledge that regulates the entire range of banking operations.

In this regard, in order to shorten the mention of any normative act in his speech bank employees they call only the number of the document, without using either its name, or about anything it... It is absolutely clear to dedicated specialists about what it is, and what it is, and why it was mentioned.

To introduce the uninitiated into banking, ProfBanking publishes a list of the main documents governing banking and gives a brief annotation to each regulatory act.

If you want to see all documents on banking and their texts, go to the banking library.

Main regulations governing banking:

395-1 - main the federal law about banks and banking, gives the concept of “ credit organization"," Bank "," non-bank credit organization "," banking group "," bank holding "," banking operations "," deposit "," depositor ", sets the minimum authorized capital bank, qualification requirements for bank managers, contains the rules on the registration of credit institutions and their licensing, as well as the grounds for revoking the bank's license, especially the reorganization and liquidation of banks. This law, of course, should be known to every bank employee.

Federal Law No. 395-1 dated 02.12.1990 "On Banks and Banking Activities"

86-FZ - the law on The central bank Of the Russian Federation, establishes the functions of the Central Bank of the Russian Federation, describes the governing bodies of the Bank of Russia, reporting requirements for the Bank of Russia, determines monetary unit Russia, basic tools and methods monetary policy, the right of the Central Bank of the Russian Federation to carry out certain operations, and also concerns the norms of banking regulation and banking supervision. Every bank employee should know this law.