I The general information
1. complete designation: The business bank of "___" (o).
2. reduced name:
3. yr of the creation: g.
4. date of grant of ruble license and its number:
5. date of grant of license for the realization of bank operations with the means in the rubles and the foreign currency and the license to the attraction into the contributions of the cash resources of the physical persons in the rubles and the foreign currency:
-.
6. other licenses:
License of a professional participant in the market for securities
KB of ___ is the member of the national association of the founders of fund market, and also a participant in the united commercial session in (SELT) MMVB.
7. address is juridical, is post, actual:
8. number of the telephones: (.
9. number of the tele-fax: (
10. telex:
11. codes of the all-Russian classifier:
12. all changes in the type of property or its organizational- lawful form: "is preobrazovan into the business bank" "() - g.
13. initial founders:
14. type of property at present: quotient (without the foreign involvement).
15. Organizational- lawful form of property at present:
16. participants in the bank at present (with the indication of portion in UV in rub percentages):
In all __ of participants.
Participants in the society are not interdependent legal persons and do not have the corporate groups, capable of directly or indirectly determining the solutions, taken by participants in the bank.
Bank does not participate in regulation capital of participants.
Participants in the society are not the affilirovannymi persons.
17. bank of branches and departments does not have.
18. banks correspondents (rubles):
LORO - correspondents

NOSTRO - correspondents

18. Banks are correspondents (foreign currency):
LORO - correspondents

NOSTRO - correspondents
- in the stage of the examination
y - in the stage of the examination
19. operation and the transactions, achieved by a bank in the rubles and the foreign currency:
the attraction of cash resources of physical and legal persons into the contributions (poste restante and for the specific period);
the arrangement of the drawn into the contributions cash resources of physical and legal persons from its name and for its calculation;
discovery and conducting the bank calculations of physical and legal persons;
the realization of calculations according to the commission of physical and legal persons, including of banks of correspondents, according to their bank calculations;
the collection of cash resources, drafts, pay and calculated documents and cashbox care of physical and legal persons;
buying and selling foreign currency in the available and clearing forms;
the delivery of bank guarantees;
assignment into the lease to physical and legal persons of bank safes for storing of documents and values;
the rendering of consultational and information services.
20. additional services:
remote control of calculation with the aid of the system "Bank- client";
the performance of payments "day-in- day";
operation with the basic solid and soft currencies, the service of currency control.
21. basic directions of investment and crediting: bank packs means into state and corporate securities, gives credits the enterprises of the small and mid-sized business, the physical persons.
22. structure of regulation capital: legal persons - %.
23. KB "let out its own drafts.
24. number of basic composition:
the man
25. council of the directors:
Chairman of the council of the directors:
Other members of the council:
.
26. administration:
Chairman of the administration:
Members of the administration:
.
27. Auditor Of the bank:
The authenticity of accounting of bank on the sums of activity in 1999 and in the first half-year of 2000 is confirmed by auditorial company "_ _ it is given out on the solution of central certification - by the license auditorial commission Of tsentrobanka RF from
28. the additional information, connected with the improvement of the activity of bank, by prospects and by strategy of the development:
obtaining license on the realization of bank operations with the precious metals (obtained the agreement of the RF Ministry of Finance),
the expansion of client and resource base,
the discovery branches outside the boundary of the Russian Federation,
the conversion of bank from

II Economic substantiation

for obtaining the general license (appendix 20, the instructions of the central bank of the Russian Federation в„– 75 - I of 23 July of 1998 g.) and license for attraction into the contributions and accomodation of precious metals (appendix 11, the instructions of the central bank of the Russian Federation в„– 75- I of 23 July of 1998 g).

Business bank "" is registered in the central bank RF of February of 19 years (registration number).
April of 19 years central bank RF registered the conversion of bank from. The size of regulation capital of bank to the date of the registration of conversion comprised).
July 19 g. the main administration of central bank RF for Moscow coordinated changes to the constitutive agreement and new editorial staff of the regulations of bank, brought into correspondence with the federal law "about the societies with the limited responsibility" and including an increase in regulation capital of bank to
June of year the main administration of central bank RF for Moscow coordinated changes and additions to the constitutive agreement and the regulations of bank, connected with an increase in regulation capital of bank. Capital of bank is formed regulation in the sum.
In the year the bank plans to convert organizational- lawful form from __ into the closed joint-stock company without the decrease of regulation capital and redistribution of the percent relationship of participants in regulation capital of bank.
Bank carries out active operation on the attraction of clients on calculated- cashbox maintenance. Thus, if as of on 1 January 2000 g the clients of bank were legal persons, then as of on 1 July, 2000, their number increased to
The comparison of the dynamics of remainders and revolutions (increase once) on the client calculations 2- m calendar quarter, on the comparison, makes it possible to speak about the quality recently of the results reached and good prospects for the development of client base (table в„– 1). The development of bank is explained by organizational and technological flexibility, reasonable tariff policy and thought-out system of training personnel, by active operation with the enterprises of various forms of the property of both the northern administrative division and Moscow as a whole.

Table в„– 1. Dynamics of revolutions and remainders on the client calculations of bank.

One of the basic trends in development of bank to be orientation to the creation of partner relations with the clients, the aid in their financial-economic activity, the participation in the mutually beneficial projects. Special attention is paid to the development and the realization of individual financial operations, to resolution of questions of personal management, to control of the means of clients. In this case special support is made in the enterprises of the real sector of economy, which produce the importozameshchayushchiye goods, and also the enterprise of military industrial complex.
On the calculated- the cashbox maintenance in the bank be situated enterprise, participants in the external economic activity (VED). Among them:

Table в„– 2 в„– participants VED - client of bank the annual turnover according to the calculation
(thousand i THE USA) the countries of foreign firms for the contracts
KB organized the care of clients along entire spectrum of bank services on the external economic activity, including it renders assistance in the preparation of commercial contracts, the analysis of international commercial operations and conducting of various forms of international calculations, develops financial diagrams on the optimization of the current activity of the clients (purchase sale of currency by period "day- pass").
Bank is completed by specialists, who manage foreign languages and those having experience on the realization of operations in the foreign currencies both by the residents and by the nonresidents, including operations with the bank- correspondents. All specialists know legislative and normative base about the procedure of bank operations, appropriate instructional materials of the central bank of Russia, State Customs Committee, ministry on taxes and collections, the position of the civil code RF.
The colleagues, on whom is entrusted conducting currency transactions, passed theoretical preparation on the questions, connected with the external economic activity of bank, and they have an experience of practical work on the fulfillment of currency transactions.
The colleagues of bank manage information about the situation of the currency markets, tendency of a currency realignment and the interest rates on the world markets, have the skills of the estimation of the appearing currency, credit and percent risks, they are capable legally of correctly comprising and realizing the necessary agreements and the contracts, connected with the currency transactions.
Control and conducting operations with the foreign currency accomplish the following leading workers and colleagues KB ":
Deputy Chairman of the administration of bank, the general length of employment of -12 years, in the banking system of 6 years, an increase in the qualification:
At present it achieves (form it is applied).
The Deputy Chairman of the administration of bank, formation high economic, general length of employment at present treat (form it is applied).
The adviser of the chairman of the administration of bank, formation is high, general length of employment. Increase in the qualification: At present it achieves
Chief accountant bank's deputy on the currency transactions
Chief for the currency administration
Division head of the international dokumentarnykh operations
Economist of the division of the international dokumentarnykh operations
The key personnel of the division of the currency control
Economist of the division of the currency control
Chief of the calculated center of the bank
Division head of the cashbox operations
The key personnel of the operating division

The precious metals

The decision of the general meeting of participants in the bank determined that the introduction and the development of operations with the precious metals is one of the priority directions of the activity of bank.
The RF Ministry of Finance gave its agreement to the accomplishment KB "operations with the precious metals in the territory of the Russian Federation (letter from).
Obtaining license on attraction into the contributions and accomodation of precious metals will allow bank to become an active participant in the interbank market for precious metals and to achieve the following operations and transactions with the precious metals:
to buy and to sell precious metals both for its calculation and due to the clients (according to the agreements of commission and commission),
to draw precious metals into the contributions (poste restante and for the specific period) from physical and legal persons,
to place precious metals from its name and for its calculation to the depozitnye calculations, opened in other banks and to allow loans in the precious metals,
to allow and to obtain credits in the rubles and the foreign currency under the guarantee of precious metals,
to render services on storage and transportation of precious metals,
to accomplish other transactions with the precious metals (options, svopy, f'yuchersy and other.) in accordance with the legislation of the Russian Federation and the international bank practice.
Expressed their agreement to collaborate with KB on the market for precious metals such banks, as joint-stock investment business bank "", AKB "", and also enterprises and organizations, connected from the outputs, by working and by the realization of precious metals and precious stones.
Among them: в„– The designation Of enterprise The form Of activity 1 2 3 4
In the bank is created the division from the work with the precious metals, to which will be entrusted conducting operations with the precious metals.
Control of the work of division is entrusted to the Deputy Chairman of the administration of the bank, which has higher education and length of employment by the leader of the subdivision of credit organization more.
The key personnel of division in the work with the precious metals has higher economic education. Increasing its professional level, passed instruction in the academy Of sberbanka of Russia on the theme: the "accomplishment of operations with the precious metals".
With obtaining of license on the realization of operations with the precious metals the state of bank will be pre-manned by specialists, who have work experience in the subdivision accomplishing bank operations, including on the market for precious metals and the necessary vocational education. At present by bank agreed terms with the specialists - candidates for the vacant posts, which are ready to approach the work immediately with obtaining by the bank of license for conducting of operations with the precious metals.

III. Financial position of bank.

KB "is placed in the category of financial stable credit organizations.
The sources of its own means (capital) of bank are: regulation capital, additional capital in the form of increase in the cost of the fixed capital, the funds for bank, and also the undistributed profit of current year.
As of years the specific weight of its own means (capital) of bank is the currencies of balance %.
An increase in the share of its own means due to any of the enumerated sources contributes to strengthening the financial stability of bank. In 2000 the funds for bank were increased on rubles due to the profit __ of year and first quarter of 2000. In this case the presence of the undistributed profit, which has a tendency toward an increase, can be considered as the source of the completion of circulating capital of bank. On 1 July the undistributed profit composed rubles.
As of on 1 July, 2000, the size of registered regulation capital comprises _ rubles.
Additional capital KB comprises rubles and is increase in the cost of property with the overestimation.
For guaranteeing the effective activity in the bank the following funds are formed:
- reserve - rb.;
- the special-purpose funds of -.rub.;
- the funds for the accumulation of -.rub.
Reserve fund, special-purpose funds and funds for accumulation are created due to the distribution of the profit of the previous years and present year.
On the sums of activity in 6 months of 2000 reserve fund is increased on rub do. rub, the fund for accumulation na. rub do. rub.
The formation of the reserve fund for bank is accomplished in accordance with its regulations and "condition about the reserve fund for bank" ", affirmed decision of the general meeting of participants in the bank. On g. reserve fund was formed in size of 22,3% of regulation capital. In connection with an increase of regulation capital into y999g. and 2000g. the size of reserve fund will increase to that established BY TSB RF of the size not less than 15% of the value of regulation capital due to distribution 5% of the clean profit of bank.
Of the been overdue debts against the budget, non-budgetary funds, before other economic subjects, and also before the workers of bank on the remuneration for labor there is not, whiches indicate the financial stability of bank.
The card index of unpaid pay and other calculated documents because of the absence of means on the correspondent calculations is absent, which is confirmed by repeated checkings by the organs of federal treasury and state tax inspection.
The active memberships of bank and their structure are investigated from the point of view of the estimation of their liquidity.
The structure of the active memberships of bank appears as follows as of g:

Table в„– of 3 thousand rub в„–в„– ACTIVE MEMBERSHIPS THE SUM % of 1 cash resources and calculation in the central bank of 2 means in banks 3 securities 4 loan and equated to it debts 5 basic means and intangible assets 6 other active memberships ALTOGETHER
The readiest active memberships include the cash resources in the cashbox of bank and on the correspondent calculations, the components % of the currency of balance.
Basic revenues bank derives from the operations on the interbank market and from the operations with securities.
By bank during the entire financial-economic activity was carried out the norm of the sufficiency of its own means (capital) of bank (Ny).
Bank has into the presence the sufficiency of cash resources in the cashbox of bank and on the correspondent calculations for the performance on the first requirement of the commissions of the clients of bank on the enumeration of cash resources from its current business accounts, about which the indices testify:
the norm of instantaneous liquidity (N2)
the norm of the current liquidity of bank (Ne)
the norm of the long-term liquidity of bank (Nya)
Not there were disturbances on these norms during the entire financial-economic activity.
The values of economic norms, calculated by bank in 2000 and for years, are given in the table:

Table в„–ya 00. 00. The standard Ny > 9,0 N2 > of 20,0 Ne > 70,0 Nya < 120,0 Nshch > 20,0 N' < 25,0 N"< 800,0 N8 < 25,0 N9 < 20,0 N9.y < of 50,0 Ny0 < of 2,0 Ny0.y < of 3,0 Nyy < of 100,0 Nyy.y < of 400,0 Ny2 < of 25,0 Ny2.y < of 5,0 Nye < of 100,0 Nyya > 10,0
Of 2000 of the cases of disturbance by the bank of the established economic norms not were within the past period.
Entire financial-economic activity of bank was accompanied by obtaining profit, about which the reports about the profits and the losses in the past years testify.
The currency of balance in connection with an increase in regulation capital, obtained profit and an increase in the remainders on the calculations of clients in 2000 in comparison with 01 July 1999 grew, whiches indicate successful strategy in the development of client base and rendering of bank services.

THE IV. Control System Of the activity Of bank.

Business bank "has the following organizational structure:
1. THE MANAGEMENT
2. ADMINISTRATION OF BOOKKEEPING CALCULATION And ACCOUNT
Division of bookkeeping calculation
Division of account
Division of cashbox operations
3. THE OPERATING ADMINISTRATION
Operating division
Division of discovery the calculations
Division of calculations "loro"
4. THE CALCULATED CENTER
Division of conducting correspondent calculation in the main administration for the central bank of Russia for Moscow
Division of calculations "nostro"
5. THE TREASURY
Division of securities
Division of interbank operations
Division from the work with the precious metals
Credit division
6. THE CURRENCY ADMINISTRATION
Division of currency control
Division of international dokumentarnykh operations
7. ADMINISTRATION FOR WORK With THE CLIENTS
Division from the work with the clients
Division of marketing and bank products
Division of servicing the individual bank safes
8. ADMINISTRATION OF AUTOMATION And CONNECTION
Division of system guarantee and means of the connection
Division of tracking applied software
Division of electronic calculations the Bank- client
9. SERVICE OF THE INTERNAL CHECK
Division of methodology and internal Audit
10. THE JURIDICAL ADMINISTRATION
11. DIVISION OF CALCULATION And CONTROL OF THE OPERATIONS OF THE TREASURY
12. DIVISION OF FINANCIAL ANALYSIS
13. GROUP Telex-swift
14. SECURITY SERVICE
15. DIVISION OF COLLECTION
16. DIVISION OF PERSONNEL
17. THE GENERAL DIVISION
18. OFFICE
The general meeting of participants in the bank is the superior body of bank. Between the general meetings of participants in the bank the general management of the activity of bank achieves council of the directors of bank. The chairman of the council of directors and the members of the council of directors are selected the general meeting of participants in the bank.
Leadership of the current activity of bank exercise the chairman of administration and the administration of bank, that act in accordance with the position about the administration affirmed in the bank.
The chairman of administration is selected the yearly general meeting of participants in the bank and heads the administration of bank.
Questions of operational control of the activity of bank enter in accordance with the article of the regulations of bank into the scope of the administration of bank.
The chairman of the administration of bank is selected the yearly general meeting of participants in the bank, heads the administration of bank, it presides at its sessions and organizes the adherence to the decision of the general meeting of participants, council of bank and administration of bank.
Decisions on the current questions of the activity of bank it starts as the administration of the bank, into composition of which enter the chairman of administration, his deputies, which exercise leadership of the concrete subdivisions of bank.
The distribution of the responsibilities between the leaders of bank is fixed in the duty regulations.
Each structural subdivision of bank operates on the basis of the corresponding intra-bank positions, developed in accordance with the requirements of the normative documents of Russia bank. By positions about the structural subdivisions are clearly reglamentirovany the forms of operations, interaction and control of their fulfillment.
The basic Subdivisions Of bank Are:
Treasury, which includes divisions, which accomplish active and passive operations of bank.
The division of financial analysis, tasks of which are the analysis of the indices of the activity of bank, the guarantee of operational control with assets and liabilitieses;
Control according to work with the clients, the achieving attraction of clients, the market exploration for bank services, the development of measures for an increase in the competitive ability of bank.
Operating control, which achieves bookkeeping of clients.
Control of the bookkeeping calculation, in function of which enter the reflection in the calculation of intra-bank operations, the composition of the account of bank.
Calculated center, which accomplishes conducting korschetov and conducting the calculated documents on the operations of clients and bank.
Conducting operations with the means in the foreign currency is entrusted to currency control, into composition of which enter the division of currency control and the division of international dokumentarnykh operations.
Currency control is the independent structural subdivision of bank, it is administratively subordinated to the Deputy Chairman of the administration of bank.
Management of currency control is achieved by a chief for currency administration. The function responsibilities of chief and colleagues are determined by the appropriate duty regulations.
By the basic function of currency control is the guarantee of qualitative and complex the care of the clients of bank with respect to of possession, use and order currency values, the guarantee of observance of currency legislation with the realization of currency transactions by the clients of bank.
The operational procedure and task administrations are determined by position about currency control KB
The division of international dokumentarnykh operations is the structural subdivision of bank, which forms part of currency control, it is administratively subordinated to the chief for the currency administration for bank.
Management by division is achieved by a division head. The function responsibilities of division head and colleagues of division are determined by the appropriate duty regulations.
The basic functions of division are:
organization and conducting dokumentarnykh operations;
the timely and qualitative care of the clients of bank, who accomplish international operations;
the guarantee of a calculation on all I see international calculations.
The operational procedure and task of the division of international dokumentarnykh operations they are determined by position "about the division of international dokumentarnykh operations KB
The division of currency control is the structural subdivision of bank, which forms part of currency control, it is administratively subordinated to the chief for currency administration.
Management by division is achieved by a division head. The function responsibilities of chief and colleagues of division are determined by the appropriate duty regulations.
The basic functions of division are:
control of the observance of currency legislation with the realization of currency transactions by the clients of bank and bank itself;
checking the validity of payments in the foreign currency;
checking the validity of payments between the residents and the nonresidents in the currency of the Russian Federation.
The operational procedure and task of the division of currency control they are determined by position "about the division of the currency control KB
The structure of control of bank permits implementation of management of bank in accordance with nature and volumes of the performed operations.
Control of the financial-economic activity of bank is achieved by an audition comission. The order of activity and the scope of audition comission is determined by position about the audition comission of bank.
In the bank is created and acts the service of internal check, purpose of which is control of the observance by the colleagues of the bank of legislation, normative reports and standards of professional activity, regulating of the conflicts of interests, guarantee of the proper level of the reliability, which corresponds to nature and scales of the operations conducted by bank and minimization of the risks of bank activity.
On the basis of the above-indicated purposes, the basic task of internal check, fixed in the regulations of bank and the position about the service of the internal check of bank, they consist of ensuring:
fulfillment by the bank of the requirements of federal legislation and normative reports of Russia bank;
determination in the documents and the observance of the established procedures and authorities during making of any decisions, which affect the interests of bank, its owners and clients;
the adoption of the timely and effective solutions, directed toward the elimination of the revealed deficiencies and disturbances in the activity of bank.
fulfilling requirements in effective control by the risks of bank activity;
the adequate reflection of the operations of bank in the calculation;
the proper state of account, which makes it possible to obtain adequate information about the activity of bank and the connected with it risks;
the effective functioning of internal Audit bank;
effective interaction with the external auditors, the organs of government control and supervision in questions of prudentsial'noy activity, authenticity of calculation and account, organization of internal check, prevention and elimination of disturbances by the colleagues of the bank of legislation, normative reports and standards of professional activity.

In the process of its activity the bank encounters with the following forms of risks:
1) credit risk.
For the purpose of the minimization of credit risk by bank is carried out the following work.
- each credit reveals on the basis of the resolution of credit committee after careful study of financial position and solvency of potential borrower taking into account of his branch affiliation, credit history, and also quality of the guarantee of reflexivity of credit.
- by credit committee are established the limits of the crediting of concrete borrower or group of the connected borrowers;
- the assignment of credits to insayderam is accomplished in the sizes, which do not exceed % (but total quantity - %) from the value of capital of bank.
2) Stranovyy risk and the risk of neperevoda of means.
For the minimization of the risks with the crediting indicated the bank gives preference to borrowers, who are the residents of the economically developed countries, who achieve calculations through the banks, which have a good business standing.
3) market risk.
For the minimization of market risk by bank practices the realization of the operations, connected with the short term investment of means into different financial tools, with which the probability of a substantial change in the market prices is small.
4) percent risk.
For the purpose of the minimization of the risk indicated the bank carries out the policy of comparability it is timetable attraction and the arrangement of means taking into account the existing tendencies of a change in the interest rate according to one or the other financial tools. In the agreements to attraction and arrangement of the means, concluded by bank, is provided for the possibility of the revision of the interest rate in the dependence on the situation, arising on the market for bank services.
5) other risks.
The minimization of other risks is accomplished by careful study of all factors, which influence the result of conducting one or other operation.
For the purpose of the most qualitative conducting of this analysis by bank are accomplished the selection of qualified personnels, their instruction, increase in their qualification.
Bank is equipped with different information and reference- lawful bases of given for the operational control of all changes in the current legislation and departmental normative reports, and also with tendencies of changes in different parameters of the market for bank services.
_ technical equipment jar and organization control computer system make it possible ensure realization uninterrupted bank process.
The internal check of the operations, conducted by bank, is achieved in the preliminary, current and subsequent order and is directed toward the limitation of the risks taken by bank, toward the guarantee of a procedure of operations and transactions, which contribute to reaching the established by bank purposeful orientators of activity, with the observance of the requirements of legislation, the normative reports of the bank of Russia, standards of professional activity and rules of business customs.
The object of the system of internal check is also the state of the system of decision making in the bank and the correspondence of the selected tactics of the development of the commercial activity of bank to the purposes, defined by its participants and fixed appropriate documents.
In accordance with the regulations of bank the service of internal check yearly reports before the general meeting of participants about the accomplished work.
Leads the service of the internal check of bank the Deputy Chairman of the administration of bank. it has higher education, length of employment in the banks of more than years, of them on the leading posts.
The division head of the methodology of internal Audit are generation, formation high. Has the certificate of competence to the right of the realization of bank Audit. It passed practice period in the auditorial firm it passed professional retraining within the framework of the presidential program of the retraining of administrative personnel RF with the practice period in Germany. Length of employment in the banks, in the Audit -.

V. The technical equipment of bank.

Bank is located in the accomodation, specially prepared for the bank activity. In it are equipped operating hall, cashbox hall, depository and other accomodations in accordance with the requirements of position TSB RF from 25.03.97 в„– 56 "about the order of conducting cashbox operations in the credit organizations in the territory RF". The cashbox knot of bank includes two operating cashboxes with the rooms for the care of clients and the necessary equipment (Cashbox- calculating machines "", instruments for the control it is indicative, seen in the ultraviolet radiation, instruments for the control of watermark, instruments for the control of magnetic markers, 10-fold magnifying magnifiers, by two cashbox safes for the separate storage of cash resources), by reference literature (albums of foreign currencies) and by cashbox office (press, dies for the information of f.0ya0'00", periodicals, etc.). The seyfovaya room of obustroyena three "the 4th class of stability, which ensures separate storage of ruble, currency and other values. The cashbox of conversion is equipped with three work sites of cashiers. The work sites of cashiers are automated and equipped with special tables for the conversion of cash resources, by cashbox- calculating machines "", by all-purpose instrument for determining the authenticity bank note "" with the catalog of identification is indicative, by magnifiers of 10 of multiple increase, by calculators. The cashbox of the conversion of bank is equipped by vacuum packer "".
The depository of bank is equipped with weight gage instruments and sets of weights. Bank ensures timely checkings and examinations of weight economy by metrological service.
The cashbox knot of bank is equipped with the necessary guarding- fire signaling with the conclusion on PTSO UVD Moscow.
The accomodations of bank have a post of protection, obustroyennyy in accordance with the requirements of position TSB RF from 25.03.97 в„–shch'. the Guarding- spacing regime of bank it ensures the militarized protection t ".
In the bank functions the local computational network IntranetWare 4.11 in the composition of ___ of working stations and _____ of file- servers IBM PC, which makes it possible to ensure the necessary level of the automation of work sites (Intel Pentium Celeron-300). Are inculcated the automated banking systems the "ruble operating day RS- bank", version v.4.31, and "currency operating day RS- bank", version v.4.31, which make it possible to keep constant bookkeeping account and account in the bank. Bank has a system client- bank "BS-Client" making it possible to qualitatively attend clients. For organizing the international calculations is established the equipment of modem, facsimile and international Telex connection along the channels ASVT and "and" (TELEX, Sprint-mail) and necessary software ("" and other). At its disposal the bank has the optovolokonnyy channel by it (provider ""), which makes it possible in the regime of real time to work with MMVB. Bank has at its disposal another software: PP complex "aster 2000", ON "MAGICIAN -MQI", Reuters "Rinki 1000", and also the program of its own development "automation of currency transfers" making it possible to keep account of currency transactions in accordance with the current legislation RF. Is acquired program GTK for the realization of the purposes of currency control. Bank possesses entire enumeration of program products developed in GU TsB RF for the assignment to bookkeeping and financial accountability.

THE VI. Promising estimation of economic effectiveness in the bank operations in KB

The presence of general license for conducting of operations in the foreign currency will allow bank to enlarge the spectrum of the exerted services (table в„–shch) and will give the right in the routine to create branches outside the boundary of the Russian Federation and (or) to acquire portions (action) in regulation capital of credit organization- nonresidents.
Table в„– 5
The long-range plan of the development of bank operations in
KB в„– Indices Na
01.01.02. na
01.01.03. na
01.01.04. 1 quantity of calculations of legal persons - residents including: Calculated ruble current currency 2 mean diurnal remainders on the calculations of legal persons - residents (in thousand of rub.) including: On the current business ruble accounts on the current nonbusiness currency accounts (in the rubles on the course TSB) 3 quantity of serviced contracts in the foreign currency including: Export imported 4 expected entering of export gain (in thousand of rub on the course TSB) in yr 5 expected transfer of means from RF on the completed obligations of imported contracts (in thousand of rub on the course TSB) in yr 6 remainders on the ruble calculations of the type "T" of nonresidents thousand rub. 7 average monthly quantity of conversions into the foreign currency from RF without the discovery of current nonbusiness currency accounts 8 quantity of depozitnykh agreements in the foreign currency: Legal persons of physical persons 9 remainders on the depozitnykh calculations for the agreements of the urgent
Contribution in the foreign currency (in thousand of rub on the course TSB): Legal persons of physical persons 10 quantity of calculations in precious metals 11 quantity of exchange points 12 credits given out (in all) of them (in thousand of rub.): To credit plant management and to the organizations of various forms of the property of 13 investments into securities (action, bond and others.) (in thousand of rub.) 14 open foreign currency position (thousand of rub.) 15 quantity of foreign branches 15 planned rate on the deposits, % 16 forecasted rate of refinansirovaniya TSB, % 17 forecasted rate of tax to the profit, % 18 forecasted exchange value of US dollar (rubles) 19 number of personnel
Table в„– 6.
Calculated balance KB for three years from the assumed date of grant of general license and license for the realization of operations with the precious metals

Calculated balance is active membership to 01.01.02. To 01.01.03. To 01.01.04. 1. Cashbox 2. Required reserves, deposited in TSB RF 3. Means on correspondent calculations 4. Credits, in such cases.
Short term
from them interbank
Long-term
from them interbank 5. Investments into securities and acquired portions 6. Basic means and economic expenditures. 7. Debtors 8. Removed means due to profit 9. Altogether active membership is liabilities 1. Regulation capital 2. Reserve fund for 3. Other funds for 4. Calculations of bank- correspondents 5. Means of legal and physical persons on current business and current accounts 6. Deposits of legal and physical persons. 7. Credits, obtained in credit organizations. 8. Creditors 9. Profit 10. Altogether the liabilities
Calculation of means enumerated in the required reserves TSB RF: To 01.01.02. To 01.01.03. To 01.01.04. 1. Remainders of the drawn means to the beginning of month. 2. Remainders of the drawn means at the end of the month. 3. Average remainders of the drawn means ((st.y+st.2)/2). 4. means, which be subject to deposition (st.3*10%) 5. Minimum remainder of cashbox. 6. The means, which be subject to deposition taking into account st.shch. (st.ya-st.shch) with the calculation OF ODDS it is assumed that the share of means on the calculations of the physical persons in the Russian rubles is unessential; therefore the percentage of deposition is considered 10%.

It is planned to support the following values of economic norms for three years from the assumed date of obtaining general license and license on conducting of operations with the precious metals.

Table в„–"Standard To 01.01.02. To 01.01.03. To 01.01.04. Ny > 9,0 N2 > 20,0 Ne > 70,0 Nya < 120,0 Nshch > 20,0 N' < 25,0 N"< 800,0 N8 < 25,0 N9 < 20,0 N9.y < of 50,0 Ny0 < of 2,0 Ny0.y < of 3,0 Nyy < of 100,0 Nyy.y < of 400,0 Ny2 < of 25,0 Ny2.y < of 5,0 Nye < of 100,0 Nyya > 10,0 capital of bank (k), thousand of rub. Instantaneous liquidity (lamas), thousand of rub. Current liquidity (armor), thousand of rub. Obligations poste restante (Ovm), thousand of rub. Obligations poste restante and for the period up to 30 days (Ovt), thousand of rub.
Calculation of capital.
On 01.01.02 g. on 01.01.03 g. on 01.01.04 g. 1. State fund for 2. Reserve fund for 3. Other funds for 4. Profit 5. Removed means due to profit 6. Capital (st.y+st.2+st.e+st.ya-st.shch)
With the calculation is considered the conversion of the organizational- lawful form of bank in 2001 into the closed joint-stock company, which makes it possible with the calculation of capital to consider additional capital fully.

Basic articles of incomes and expenditures
Table в„–8 thous. rub.. 1. INCOMES To 01.01.02. To 01.01.03. To 01.01.04. 1. Positive course difference in the operations in foreign currency 2. Commission, obtained on the operations in foreign currency 3. Incomes on the operations with securities 4. Percentages, obtained on the credits, in such cases.
on the the short term
from them interbank
on the the long-term
from them by interbank 5. Operating incomes according to established tariffs 6. Incomes on the operations with precious metals 7. In all incomes 2. EXPENDITURES 1. Negative course on the operations in foreign currency 2. Commission, uplachennaya on the operations in foreign currency 3. Percentages uplachennye, in such cases.
on the interbank credits
according to the current business, current accounts of legal and physical persons
on the deposits of legal and physical persons 4. Economic expenditures and expenditures for the content of administrative apparatus, in such cases.
Lease pay
Advertisement
Wage
Social tax 5. Wear of basic means 6. Operating expenditures of 7. Expenditures for the creation of reserves to the possible losses of the loans and to the possible depreciation of valuable bumag.(sm. calculation) 8. Taxes (besides tax to the profit and social tax) 9. In all the expenditures
3. PROFIT 1. Taxable profit 2. Tax to pribyl'(st.y*st.y"of tabl.shch) 3. Clean profit, in such cases.
the allotment to the reserve fund
in the funds for the economic stimulation
to the dividends
other funds, whose use does not decrease the property of bank.
Calculation of taxes to 01.01.02. To 01.01.03. To 01.01.04. 1. Incomes. 2. tax to the users of motor roads (st.1*1%) 3. Basic means and another property. 4. Tax to property (st.3*2%) 5. Expenditures for advertisement 6. Tax to advertisement (st.5*5%) 7. Altogether taxes (st.2+st.ya+st.')
Calculation of reserve to the possible losses of the loans on 01.01.02 g. on 01.01.03 g. on 01.01.04 g. 1. In all loan active memberships 2. in such cases loan active memberships y-oy deg of risk (st.1*90%) 3.. in such cases loan active memberships 2-oy deg of risk (st.1.*10%) 4. expenditures for reserve under the 1st group of risk (st.2*1%) 5. expenditures for reserve under the 2-uyu group of risk (st.3*20%) 6. Altogether reserve (st.ya+st.shch)
Calculation of reserve to the possible depreciation of securities to 01.01.02. To 01.01.03. To 01.01.04. 1. In all securities 2. Sum of reserve (st.1*1%)
RVPS on the taken into account drafts, entering the division of the balance of "investment into securities and acquired portions" is calculated just as the given out credits. It is assumed that the portion of drafts in the division of the balance of "investment into securities and acquired portions" composes 50%. Reserve of securities is assumed 1% of the packet of securities.
It is assumed with the composition of tables:
1. incomes from credits and securities are calculated on the basis of the rate TSB.
2. tax for the users of motor roads is calculated by rate 1%, but tax for the content of available housing and objects of sociocultural sphere is not calculated, since is assumed the adoption of the 2-oy part of the tax code.
3. with the calculation of the indices of the current liquidity and means, drawn for the period up to 30 days, it is assumed that 50% of placed credits, acquired papers (drawn credits and deposits), be subject to payment during 30 days.
4. sum, enumerated in the required reserves TSB RF, is calculated on the basis of rate 10% of the drawn means.

Tariffs of bank on the operations with the foreign currency

y.Vedeniye of the current nonbusiness accounts of clients 1.1 discovery calculation free of charge formulation and the delivery of information on the demands of the clients of US dollars 1.2 assignment of the duplicates of documents to the month:
From 1 mes.do 6 mo. (for each document):
It is more than 6 mo. (for each document): Free of charge
US dollars
US dollars 1.3 closing calculation free of charge
2. operation on pokupke/prodazhe of the foreign currency
Period of receptivity of claim fors pokupku/prodazhu of currency on MMVB: 9:30 - 15:00
Period of receptivity of claim fors pokupku/prodazhu of currency on the course of the bank:
with the enrollment by the present operating day: 9:30 - 15:00
with the enrollment by the following operating day: 15:00 - 16:30 (15:30 on Friday) 2.1 Pokupka/prodazha USD/EURO for the rubles on MMVB (with the enrollment not later than the 1st bank day after the date of calculations with MMVB): to 100 000 usd/euro
from 100 000 to 500 000 usd/euro
from 500 000 to 1 000 000 usd/euro
it is more than 1 000 000 usd/euro
with the volume is more than 2 000 000 usd/euro in the week % + kilohms mmvb *
% + kilohms mmvb *
% + kilohms mmvb *
%+kom OF MMVB *
by the agreement * of 2.2 Pokupka/prodazha of the foreign currency quoted on MMVB SKV, different from USD/EURO, for the rubles (with the enrollment not later than the 1st workday after the date of calculations with MMVB) according to the preceding point ** of 2.3 Pokupka/prodazha of the foreign currency of kliyentu/kliyenta on the course of bank with the enrollment of means next day after the supply of claim by agreement 2.4 conversion of one foreign currency into another by the agreement
3. operation with the available foreign currency
The delivery of available cash resources during the day of order is produced in the presence of means in the cashbox or the exchange point of bank. 3.1 method of the available foreign currency: 0,5 % from sum of 3.2 delivery of available foreign currency to the traveling expenses:
in the US dollars
in other currencies

%.min. 5 US dollars
by agreement 3.2.1 delivery of available foreign currency to the traveling expenses without the preliminary order:
in the US dollars
in other currencies

% min 5 US dollars
by agreement 3.2.2 nonreceipt of available foreign currency in time: % from ordered sum of 4. Transfers 4.1 enrollment of the entered means into the calculations of clients KB "": Free of charge 4.2 transfer of means from the calculations in favor of clients KB "": Free of charge 4.3 enumeration of customs duties and tax payments free of charge 4.4 transfer of means in favor of the clients of other banks:
- with the reservation "all commissions and expenditures to copy from our calculation"

- with the reservation "all commissions and expenditures to carry for the calculation of benefitsiara"
dollarov.SShA

US dollars 4.5 conducting investigation on the demands of clients with respect to operations by the remoteness:
to 2- X of the weeks
it is more than

US dollars
US dollars 4.6 change in the conditions or the annulment of the pay commission:
if payment not was executed BY KB "
if payment was executed BY KB "

Free of charge
US dollars
5. currency control 5.1 fulfillment of the functions of the agent of currency control, including the formulation of the passports of transaction (one original even two copies). Commission is collected not earlier:
on the import - in proportion to the realization of the payments
on the export - in proportion to the entering of the export gain:
1. to shch0000$

2. It is more than shch0000$

0% of the sum of payment *, ***

% from the sum of gain *, ***
% from the sum of gain *, of *** 5.2 production of the copies of the passports of the transactions: Free of charge 5.3 urgent production of the passports of transactions during 24 it is hour: US dollars *
6. The dokumentarnye operations
Operations on the encashment are accomplished in accordance with ' ' by the standardized rules on the encashment "in the acting editorial staff, publication MTP.
Operations on the dokumentarnym letters of credit are accomplished in accordance with ' ' by the standardized rules and customs for the dokumentarnykh letters of credit "in the acting editorial staff, publication MTP. In the case of the realization of dokumentarnykh operations for conditions ' ' all expenditures due to prikazodatelya "the commission of foreign banks additionally relates to the consideration of client - prikazodatelya.
Operations on the encashment are produced by the present operating day.
Operations on the dokumentarnym letters of credit are produced during the 3rd bank days.

6.1 clean encashment 6.1.1 method on encashment of checks, drafts and other financial documents %, min of 50 dol.. USA 6.1.2 demands on the encashment dol.. USA 6.1.3 recovery of the documents, advanced on the encashment, but neoplachennykh/neaktseptovannykh by the payer
dol of USA 6.1.4 payment on encashment %, min of 30 dol.. USA, max of 300 dol.. USA 6.2 Dokumentarnoye encashment 6.2.1 method of documents %, min of 50 dol.. USA 6.2.2 transfer of document against acceptance or payment %, min of 30 dol.. USA 6.2.3 transfer of documents without the acceptance and the payment dol.. USA 6.2.4 change in the instructions 0 dol.. USA 6.2.5 payment, min of 30 dol.. USA, max of 300 dol.. USA 6.2.6 demands on the encashment dol.. USA 6.2.7 recovery of the documents, advanced on the encashment, but neoplachennykh/neaktseptovannykh by benefitsiarom
dol of USA 6.2.8 notice about the entering of documents on the encashment dol.. USA 6.3 Dokumentarnye letters of credit 6.3.1 discovery letter of credit %, min of 50 dol.. USA 6.3.2 preliminary avizovaniye of letter of credit dol.. USA 6.3.3 Avizovaniye of letter of credit 0%, min of 40 dol.. USA, max of 300 dol.. USA 6.3.4 method, checking and the dispatch of documents on letter of credit 0, %, min of 50 dol.. USA, max of 500 dol.. USA 6.3.5 increase or the prolongation of letter of credit 0, %, min of 50 dol.. USA 6.3.6 change in the conditions of letter of credit (besides an increase and prolongation), the annulment of the letter of credit
dol of USA 6.3.7 payment on the letter of credit or negotiation 0,1 %, min of 30 dol.. USA, max of 300 dol.. USA 6.3.8 acceptance of bills of exchange 0, %, min of 50 dol.. USA 6.3.9 Transferatsiya of letter of credit 0,1 %, min of 50 dol.. USA 6.3.10 fulfillment of the functions of the reimbursing bank
(payment in accordance with the rambursnymi instructions)
dol of USA 6.3.11 formulation of pereustupki of the gain of dol.SShA
7. bank guarantees 7.1 nomination of bank guarantee and kontrgarantii 0, %, min of 100 dol.. USA 7.2 annulment of bank guarantee to the time expiration of 0 dol.. USA 7.3 payment on bank of guarantee %, min of 30 dol.. USA, max of 300 dol.. USA 7.4 preliminary avizovaniye of bank guarantee,
Avizovaniye of other documents (demands, information so forth.)
0 dol.SShA 7.5 Avizovaniye of guarantees and/or changes to it 0,%, min. 50 dol.. USA 7.6 nomination of rambursnykh requirements on the conditions of the bank guarantee of dol.SShA 7.7 transfer of bank guarantee to another benefitsiaru 0, %, min of 100 dol.. USA 7.8 demands on the bank guarantees 0 dol.. SShA/zapros 7.9 confirmation of the signatures on the guarantee and of bank key 0 dol.. USA 7.10 Avalirovaniye of drafts 0, %, min of 50 dol.. USA * 7.11 change in the conditions of guarantee, connected:
with an increase in the sum and a change in the period
with a change in the other conditions
0, %, min of 35 dol.. USA
dol of USA 7.12 composition of the forms of guarantees and the study of questions about the release of guarantees concerning the demands of clients, the composition of conclusions on the guarantees, given out in favor of clients by foreign banks and foreign firms for understanding, min of 100 dol.. USA
8. consultational and other services to 8.1 information services:
the development of contracts to conducting of the external economic activity
the optimization of the diagrams of conducting payments on the export-import operations
consultation on conducting of the most complex forms of payments in accordance with the accepted in the international practice forms of calculations in the foreign and national currency

by the agreement *

by the agreement *

by the agreement * of 8.2 consultations on the composition of contracts, the selection of the conditions of payment, the formulation of the pay documents
by the agreement *
Note: * Are included NDS
** for calculating the commission the sum of the pokupayemoy/prodavayemoy foreign currency recounts into the dollar equivalent
*** summary commission, collected according to p. 5.1. do not exceed 2000 dol.. USA from the sum of the contract

THE VII. Promising estimation of economic effectiveness in the operations with the precious metals in KB "

Obtaining license on attraction into the contributions and accomodation of precious metals will allow bank to become an active participant in the interbank market for precious metals and to render the following services to legal and physical persons.
Credit advance of the output of precious metals for legal persons.
Bank will give credit the output of precious metals by nedropol'zovatelyami on the conditions of subsequent sale to the bank of the obtained precious metal in the size of the entire quota of output or its part.
Advantages:
Possibility of financing in the stage of the output of precious metals.
Tariffs:
The interest rate for the use of the allowed credit is set in the dependence on the period of credit, sum of credit, form of the guarantee and other factors.
The price of the subsequent purchase of precious metal depends on the volume of party and compose 96,5%-97,2 5% of the price of metal on the London exchange.
Crediting by physical gold for legal persons.
Bank will accomplish a delivery of credits by physical gold to the organizations, which have permission to the accomplishment of operations with the precious metals.

Tariffs:
The interest rate for the use of the allowed credit is set in the dependence on the period of credit, sum of credit, form of the guarantee and other factors.
The price of sale of gold is formed on the basis of the price of gold on the London exchange.
Impersonal metallic calculation.
The impersonal metallic calculation is intended for the enrollment, the storage and the writing off of the precious metals of client without the fixation of their individual it is indicative
Advantages:
the new possibility of acquisition and of storing the precious metals;
simplification in the operations of buying and selling precious metals;
the possibility of using the precious metals, find on the metallic calculations, as the guarantee with obtaining of credit.
Tariffs:
1. Otkrytiye/zakrytiye of calculation free of charge
2. enrollment to the calculation (priyem)/spisaniye from the calculation (delivery) free of charge
3. internal transfer free of charge
4. the external transfer
in the limits of Moscow %
in the limits RF %
5. calculation of the overloading of calculation %
Purchase of the ingots of precious metals for the banks
Bank will achieve purchase of precious metals in the standard and measured ingots in business banks.
Advantages:
Possibility of rapid obtaining of cash resources for the precious metals with the prices of world market.
Tariffs:
The price of the purchase of the standard ingots of gold by bank in the percentages is lower than the last price of gold on the London exchange.
Party with the mass is less than 50 kg %
Party with mass from 50 kg to 100 kg %
Party with mass from 100 to 250 kg %
The price of the purchase of the standard ingots of silver by bank in the percentages is lower than the last price of silver on the London exchange.
Party with mass from 500 kg to 1000 kg %
Party with mass from 1500 kg to 3000 kg %
Storage of the ingots of the precious metals
Bank will propose services on the storage of the ingots of precious metals in that equipped for this depository.
Advantages:
Safety of storage of precious metals.
Tariffs:
Tariffs on the storage are established separately for each transaction.
Besides the services indicated the bank plans to accomplish other transactions with the precious metals (options, svopy, f'yuchersy and other.) in accordance with the legislation of the Russian Federation and the international bank practice.

KB "- bank for the clients. The investment policy of bank can change, the economic situation in the country can change, but at the basis of the prosperity of bank it lies and will always lie the care of clients.

KB:
it is oriented toward the quite advanced technologies, constantly approaching an improvement in the conditions of the care of clients, to an improvement in the quality of control of assets and liabilitieses of bank;
the complex services, which correspond to the contemporary level of the development of banking and financial market, render, completely meeting the demand of clients;
is accomplished the sequential and systematic expansion of its presence on the financial markets of Russia and countries of neighbor zarubezh'ya;
is supported control system of the risks, which include: the establishment of the substantiated limits on the operation in each sector of financial market and with each participant in the market; prognostication and control, khedzhirovaniye of currency and course risks;
in proportion to the stabilization of the economy of Russia, it participates in the crediting of enterprises, which have market prospects, it allows services on the corporate finance;
is created the system of correspondent calculations, which will make it possible to accelerate calculations according to the mezhdugorodnim and international payments of clients, and also the interbank transactions and the transactions with securities.

Obtaining by the bank of general license for conducting of bank operations will open to it access to markets for the financial resources of other countries, which will considerably enlarge the possibilities of bank and will allow the bank:
1. to draw additional financial resources for the investment into the economy of Russia.
2. to establish relations with the foreign partners and the contractors.
3. to contribute to the future of the universalization of its activity and to the realization of international calculated operations.
4. to considerably enlarge its client base due to the foreign clients.
Obtaining license on conducting of operations with the precious metals will open jar access to markets for precious metals, which will considerably expand the circle of those achieved it is specific operations, and it will also enlarge the possibilities of bank on an increase in effectiveness and profitability of the already existing resources and will allow it:
1. to finance the activity of the extractive and processing enterprises;
2. to contribute to the future of the universalization of its activity;
3. to considerably enlarge its client base and to develop new direction in its work.

On the basis of that outline aboved, the council of bank "solicits before the central bank of the Russian Federation about the assignment to the bank of general license to the accomplishment of bank operations and license for attraction into the contributions and accomodation of precious metals and to the realization of other operations with the precious metals in accordance with the legislation of the Russian Federation.

Is here given only exemplary business the plan of bank. In order to compose business the plan of bank taking into account the special features of your business, be turned to the specialists.