Select a bank for the individual entrepreneur. Activities of JSC "ASB Belarusbank" Bank account Belarusbank
12:42 26.02.2015
An individual entrepreneur who decides to entrust his capital to a bank must take this issue seriously. There are plenty of banks in the country, but a large selection can only confuse you even more.
Someone may choose a bank based on the proximity of the head office to their home, for others the successful operation of the call center will be important, while others may simply make their choice at random. That's why we decided to help individual entrepreneurs and compared offers on the market.
Many banks offer creation and maintenance for free, and some offer both at once. However, at the same time, many banks seriously recoup the closure of the account. For example, opening an account with BTA Bank for a symbolic 100 rubles, you will ultimately have to pay 660 thousand rubles to close the account. There are other similar examples. Trustbank offers to open an account for free, but you will have to pay 500 thousand rubles to close it. Absolutbank did exactly the opposite - here you will need 500 thousand rubles to open an account, but you can close it for free. Alfa-Bank will charge you only 90 thousand for opening an account (which is a pretty good offer on the market), closing it is free. Delta Bank has a similar offer, but opening an account costs 50 thousand rubles.
Bank's name | Opening an account | Account maintenance (per month) | Client-bank | Cost of payments | Interest for transferring money to a card | Interest for withdrawing money from a bank cash desk or ATM | Interest on delivery of proceeds to the bank's cash desk | Card issue and maintenance | Cost of closing an account |
| MTBank | For free | 150,000 BYR | 75,000 BYR/month | For free. The number of payments is not limited. | 0.8% of the transfer amount | At the bank's cash desk - 1% of the amount.At MTBank and partners ATMs - 0%. | 0.1% (min. 12,000 BYR) | Maestro or Visa Electron with a validity of 2 years: 200,000 BYR. | 203,000 BYR |
| Trustbank | For free | In fact, for services rendered.“Standard” service package - 170,000 BYR/month.Premium service package - 400,000 BYR/month. | 100,000 BYR/month. | 4000 BYR - one payment;500 BYR when connecting a client-bank | 0.7% of the transfer amount | 1,7% | 0% | 40,000 BYR per issue Visa cards Electron | 500,000 BYR |
| Zepter Bank | For free | 20,000 BYR | 100,000 BYR /month + installation: 35-75,000 BYR. | 1000 BYR - each payment through the client bank. | 1) 0,7%; 2) 1%; 3) 1.5%; | 1) 0% at Zepter Bank ATMs;2) 0% in Zepter Bank and Belarusbank;3) 1.5% at all other ATMs. | 0.1% of the amount | BelCard or VisaElectron - free. VisaClassic - 100,000 BYR. VisaGold - 300,000 BYR. | 150,000 BYR |
| Idea Bank | For free | Free (under standard conditions) | 150,000 BYR/month | Up to 30 payments per month.Paper payment - 20,000 BYRPayment through the client bank - 2,500 BYR. | “Standard” - 0.8% of the amount."Premium" - 1.9% of the amount. | “Standard”: 0% in “Idea Bank” and partner banks; 1.5% of the amount in other banks."Premium" - 0% in all banks. | 0.3% of the amount (min 5000 BYR) | Maestro and MasterCard - free. On MasterCard cards, according to the terms of the agreement, the minimum balance is 900,000 BYR. | 180,000 BYR |
| Bank Moscow-Minsk | 300,000 BYR | For free. | 300,000 BYR per month. | Paper media - 40,000 BYR. | 2% | 2% | 0% | MasterCard registration - 400,000 BYR; Maestro - 100,000 BYR. | 145,000 BYR |
| Belagroprombank | 125,000 BYR | For free. | 70,000 BYR per month + 150,000 BYR registration. | 20,000 BYR (paper) and 4,000 BYR (client-bank) in the Belagroprombank system; 30,000 BYR (paper) and 6,000 BYR (client-bank) in the interbank settlement system. | 1.9% of the transfer amount. | 2.5% of the transfer amount. | 0,2% | Visa Electron - 40,000 BYR. Belkart - 20,000 BYR. Visa Classic- 150,000 BYR. Visa Gold- 520,000 BYR. | 310,000 BYR |
| BPS-Sberbank | Depending on the service package. Minimum - 95,000. | Depending on the package. | Included in the price of any package. | Depending on the package. | 2% | 2,5% | 0.16% (min. 16k) | VisaElectron or Maestro - 9000 BYRDepending on the package. | 300,000 BYR |
| ASB Belarusbank | 100,000 BYR or the cost of a package of services (from 360,000 to 3,955,000 BYR). | Depending on the package. | For free. | 4500 BYR | 2% | 0% | 0.2% of the amount | 310,000 BYR | |
| Belinvestbank | 100,000 BYR or the cost of a package of services. | Depending on the service package. | 50,000 BYR/month | 5000 BYR through the client bank at Belinvestbank or 7000 BYR to other banks. | 2% | 2,5% | No information available. | MasterCard Business, Visa Business, Belcard. | 280,000 BYR |
| Technobank | For free | 128,000 BYR or 90,000 BYR.IN foreign currency- for free. | 158,000 BYR/month. | Unlimited number of payments. | 0.9% of the amount; 0.7% - credited to the personal income account of the individual entrepreneur. | By check (rubles and foreign currency) - 1%;From a current account upon application - rubles 2% and foreign currency 1%. | No information available. | Cost of servicing salary cards per year: Visa Electron - 10,000 BYR. Visa Classic - 30,000 BYR. Visa Gold - 330,000 BYR. Visa Platinum - 1 million BYR or 110 dollars or 85 euros.Belkart Toloka and Motsnaya - free as salary cards. | 290,000 BYR |
| Paritetbank | 80,000 BYR | 61,000 BYR | Installation - 50,000 BYR. | Until 15:30: through client-bank - 6300 BYR.Paper - 18,000 BYR.After 15:30- 43,000 BYReach payment. | BYR - 2% Currency - 1% | BYR - 2% Currency - 1% | BYR - 0.2% Currency - 0.1% | Belkart - free. Visa Electron - 50,000 BYR. Visa Classic - 100,000 BYR. VisaGold - 200,000 BYR. All amounts are for two years. | 150,000 BYR - account closure.480,000 BYR - when closing an account and moving to another bank. |
| BNB-Bank | For free | 100,000 BYR | 150,000 BYR / month | Through the client bank - 7500 BYR.Paper - 15,000 BYR. | 1% | 0% | In the bank - 0%. To the exchanger - 0.2% | MasterCard Standard and Visa Classic - $25. Visa Electron and Maestro - $5. Visa Gold and MasterCard Gold - $120. Visa Platinum - $197. | 258,000 BYR |
| Belgazprombank | free if you connect to the cash settlement package, or 145,000 (regardless of the number of accounts opened) | not charged if you connect to the RKO package, or 300,000 per month (payments are free) | not charged if you connect to the RKO package, or "80,000 BYR/month +125,000 BYR for installation and registration | free within the package or upon payment of a fee for servicing an individual entrepreneur’s account. Above the limit included in the package: Paper without barcode: 50,000 BYR. Paper with barcode: 30,000 BYR., payment via RBS systems from 0 rubles to 10,000 | from 0.7% | 0% - at the Belgazprombank ATM, at the ATMs of CJSC MTBank and the ATMs of CJSC VTB Bank (Belarus); from 0% to 0.5% - at the cash desks of Belgazprombank and branches of RUE Belpochta. from 0% to 2, 5% - at cash desks and ATMs of other banks. | 0% | Release and maintenance salary cards- for free.Cards: Visa Classic, MasterCard Standard, Visa Gold, MasterCard Gold. | “Preparing documents for closing accounts when a client transfers service to another bank” - 290,000 rubles for each account |
| RRB-Bank | For free | 150,000 BYR (only in case of service without an electronic payment system). | Maintenance - 105,000.Connection is free. | Client-bank - 1370 BYR.Paper payment - 10,000 BYR. | 2) 1% - 7 partner banks.3) 1.7% - all ATMs of the Republic of Belarus. | 1.5% - through the bank cash desk1) 0.8% - only at RRB Bank.2) 1% - 7 partner banks.3) 1.7% - all ATMs of the Republic of Belarus. | 0% | Visa Electron - freeVisa Classic - 75,000 BYR. Card personalization - 75,000 BYR (one-time payment).Gold - personalization 150,000 + annual maintenance 400,000 BYR.Platinum - 300,000 BYR personalization + 900,000 BYR maintenance per year.. | For free. |
| Fransabank | 300,000 BYR | For free | 100,000 BYR/month + 100,000 BYR installation + 300,000 BYR - deposit cost of the media. | 800 BYR | 0,7% | 0% | 0,3% | Mastercard - 270,000 BYR for issue + 120,000 BYR for maintenance for 2 years. | 350,000 BYR |
| Alfa Bank | 90,000 BYR | 135,000 BYR | 112,000 BYR +167,400 BYR (installation). | Paper payment - 20,000 BYR:Through the client bank - 6300 BYR. | 1,5% | 0% at the bank’s cash desk and ATMs of Alfa Bank and partner banks.In other banks - 2%. | 0.2% (may vary depending on package up to 0.08%) | Maestro (24,000 BYR), MasterCard Standard (180,000 BYR), MasterCard Gold (450,000 BYR). | For free |
| Delta-Bank | 50,000 BYR | 60,000 BYR | 100,000 BYR/month + 100,000 BYR for installation. | Paper payment - 15,000 BYR.Through the client bank - 2000 BYR. | 2% | BYR - 2% Currency - 1.5% | 0,2% | Visa Electron (free), Visa Classic Visa Gold BelCart (free) | 500,000 BYR |
| Eurotorginvestbank | For free | For free | 150,000 BYR - installation.170,000 - monthly. | 20,000 BYR | The bank does not issue cards. | 1,5% | 0,2% | The bank does not issue cards. | 175,000 BYR |
| BTA Bank | 100 BYR | 70,000 BYR | 190,000 - 280,000 BYR (depending on the package) | Paper - 15,000 BYR:Client-bank - 4000 BYR. | 0 - 2% (individually) | 2% | 0% | Belkart - free. Visa Classic - 15$ Visa Electron - 10$ Visa Gold - 40$ | 660,000 BYR |
| BelSwissBank | For free | 50,000 BYR | Free installation.Service: 0-5 payments = $15, 6-15 = $20: 16 or more = $25 | More than 200 million BYR - 2% | Up to 100 million BYR - 1% 100 million - 200 million - 1.5% More than 200 million BYR - 2% | 0% | Visa Electron is free. Visa Classic - 150,000 BYR. Visa Gold - 400,000 BYR Visa Platinum - 1,300,000 BYR per year. | 145,000 BYR | |
| VTB Bank (Belarus) | For free | 235,000 BYR (the price already includes 24 payments). | Installation and maintenance are free. | For every fifth payment - 30500 BYR. | 1% | By checks: 1.4% | 0.1% (min 20,000 BYR). | Visa Electron - 50,000 BYR: Visa Classic - 250,000 BYR + min. contribution 500,000 BYR (will be available on the account). Visa Gold - 400,000 BYR + min. contribution 2,000,000 BYR. | 300,000 BYR + disconnection of the client bank 236,000 BYR |
| Belarusian Bank of Small Business | For free | For free | 150,000 BYR/month. | Package for client-bank of 100 payments - 220,000 BYR.The rest - 2500 BYR. | 0,8% | 0% at ATMs of the bank and partners. | 0.3% (min 5000 BYR) | MasterCard and Maestro. Issue and maintenance are free. | 180,000 BYR. |
| Priorbank | 150,000 BYR | 300,000 BYR | The cost is included in the subscription fee | 5 per month for free. 6th and further - 10,000 BYR. | 2% | 2% | 0.4% (min 20,000 BYR) | Belcard (35,000 BYR for 2 years), Visa Electron (60,000 BYR), Visa Classic (200,000 BYR), MasterCard, MasterCard PayPass, Visa Gold (1,500,000 BYR) and Visa Platinum (4,500,000 BYR). More details on the website. | 150,000 BYR |
| BelVEB | Either a package for at least 135,000 BYR, or pay only for the client-bank. | For free. | Installation is free. The cost of service is included in the package or 60,000 BYR/month. | 6600 - through the client bank.39,000 - paper payment. | 0,8% | 0% (including in partner banks) | 0,2% | Maestro, VisaElectron, BELKART-Maestro, BELKART-M - 25,000 BYR (one-time payment).MasterCard Standard, Visa Classic - 7 USD or 7 EUR per year.Visa Gold - 40 USD, 40 EUR or 250,000 BYR per year.Visa Platinum - 120 USD, 120 EUR or 1,000,000 BYR per year. | 400,000 BYR. |
| Bank TK* | For free | 130,000 BYR | Included in the cost of account maintenance. Installation - 100,000 BYR. | Payments have already been paid.Non-urgent paper payment - 10,500 BYR | 0% | At the bank's cash desk: 1.5% - up to 10 million BYR. 1% - 10-30 million BYR. 0.8% - St. 30 million BYR. | 1% | The bank does not issue cards. | 100,000 BYR |
| Nord European Bank | 70,000 BYR. | 140,000 BYR. | Installation - 172,000 BYR.Monthly - 140,000 BYR (if there is movement on the account). If there is no movement - free. | Paper - 7000 BYR. Payments through the client bank are already included in the cost of service. | The bank does not issue cards. | 1,5% | 1% | The bank does not issue cards. | For free. |
| Eurobank | Free, but 75,000 BYR for signature certification. | 300,000 BYR - without client bank.260,000 - with the client bank. | 350,000 BYR (one-time payment) | Free (already included in the cost of service) | The bank does not issue cards. | 1% | 1% (but not more than 100,000 BYR). | The bank does not issue cards. | 200,000 BYR. |
| BIT-Bank | For free | For free | 150,000 BYR Installation is free. | Paper - 20,000 BYR.Through the client bank - free of charge. Urgent payment - 50,000 BYR. | The bank does not issue cards. | 1% | 0% | The bank does not issue cards. | 200,000 BYR |
| Absolut Bank | 500,000 BYR | 100,000 BYR | The first three months - 1000 BYR.Further - 100,000 BYR per month. | Included in the cost of service.Paper (if issued on site) - 40,000 BYR. | The bank does not issue cards. | 2% | 0,2% | The bank does not issue cards. | For free |
Note Bank TK - license temporarily suspended by the National Bank of the Republic of Belarus.
Summarizing the above, in general, the most even, without any high fluctuations, is the offer of RRB-Bank, thanks to which this particular bank can be recommended to beginning individual entrepreneurs. More experienced ones will probably want to focus on some criterion, since other shortcomings may not interfere at all. So, for example, if you need to make many payments regularly, you are better off choosing MTBank. If the key factor for you is free opening and closing of an account, then again you should contact RRB-Bank. Low interest rates will await you at the Belarusian Bank of Small Business and Fransabank, and the most profitable terms information on opening an account and its maintenance, as well as the cost of using a client bank, can be found in Paritetbank.
Of course, information may change, but as of today this is the picture. It is worth noting that “Trading Capital Bank” is present in the table, despite the fact that the bank’s license is currently suspended. However, after some time (according to preliminary forecasts - in six months), the bank’s activities will be restored and the information indicated in the table will be relevant again.
In a word, carefully study the criteria and choose the bank that will provide the most favorable conditions for you and your company.
During the passage pre-graduate practice In the Belarusbank bank, a range of services was identified that were provided by the bank’s operational department to both individuals and legal entities. The operations department is one of the largest in the bank in terms of personnel. It carries out opening and maintenance of foreign currency and ruble accounts, settlement and cash services. To open a current account, legal entities must submit:
- 1. Application for opening an account.
- 2. A copy of the enterprise registration document, certified by a notary or registration authority.
- 3. Two copies of the copy constituent documents, while one of them must be stamped by the registering authority, and the other must be certified by a notary or a registering authority.
- 4. A duplicate of the notice of assignment of a taxpayer registration number (TIN).
- 5. Certificate from the Foundation authorities social protection population of the Ministry of Social Protection on registration as a payer of mandatory insurance contributions and other payments with the Fund.
- 6. A card with samples of signatures and seal impressions, certified by a notary.
ASB “Belarusbank” also opens sub-accounts, special, charitable, temporary, correspondent, deposit and other accounts.
The bank's operational department provides settlement and cash services on the basis of current legislation and the relevant agreement between the parties. His work overlaps with the lending department, the department for working with individuals and legal entities.
Comprehensive services for legal entities. The bank offers the following range of banking products and services.
Opening and maintaining foreign currency and ruble accounts, settlement and cash services for clients (sub-accounts, special, charitable, temporary, correspondent, deposit and other accounts).
Cash settlement services are carried out in compliance with the current legislation of the Republic of Belarus and on the basis of an agreement between the bank and the client for cash settlement services in accordance with the current commission rates.
Connection to electronic payment system"Client-bank". Our own email network significantly increases the speed of information processing and allows parties to send and receive the following documents:
in client-bank mode:
payment orders in national and foreign currencies;
application for transfer;
applications for the purchase and sale of foreign currency;
applications for currency conversion;
text documents of any content;
in bank-client mode:
statements of the client's account status;
foreign exchange rates;
information about the current account status;
transaction archive data.
To identify transmitted payment documents, the client’s electronic signature and a special encryption algorithm are used, which guarantee the accuracy and confidentiality of the information.
Deposits of legal entities in Belarusian rubles and foreign currency.
Types of deposits in the bank - time and on demand.
The terms of the deposit are determined by the agreement and depend on the amount and terms of placement. At the request of the client, the deposit agreement may provide for the payment of interest - monthly, quarterly, and also at the end of the deposit period.
Can't remember your password or login? Current charitable accounts in Belarusian rubles. Current charitable accounts in foreign currency. Deposit accounts in Belarusian rubles. Deposit accounts in foreign currency. Transactions on personal accounts using a PC. Operations with deposit accounts Family capital. Payment of money on Internet deposits. Preparation of powers of attorney and testamentary dispositions. Carrying out transactions in Belarusian rubles on temporary accounts individuals.
Conducting transactions in foreign currency on temporary accounts of individuals. Supporting participants in the construction savings system. Carrying out transactions within the framework of the complex product “Free Choice”. Enrollment of all types of income wages and other income to current settlement, deposit, charitable, temporary accounts of individuals.
CLIENT-BANK system of Belarusbank
Settlement and cash services for legal entities and individual entrepreneurs. Acceptance of cash Belarusian rubles from legal entities, individual entrepreneurs from the sale of goods, provision of services, performance of work, for other payments with subsequent crediting to their current ones. Cash withdrawal Money legal entities and individual entrepreneurs in Belarusian rubles and foreign currency. Acceptance of cash from legal entities and individual entrepreneurs in foreign currency.
Acceptance of cash payments in Belarusian rubles from legal entities and individual entrepreneurs in payment for goods, work, services, and other payments with subsequent crediting to current current accounts others. Acceptance of cash Belarusian rubles from legal entities, individual entrepreneurs from the sale of goods, provision of services, performance of work, for other payments and other purposes of the contribution with crediting to.
Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs. Acceptance of payments and contributions in foreign currency from individuals in favor of legal entities and individual entrepreneurs. Acceptance of payments in Belarusian rubles from individuals to pay for reimbursement of funds spent by OJSC "JSSB Belarusbank" and the United Trade Union Organization of OJSC "JSSB Belarusbank".
Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs, with the exception of payments in favor of operators mobile communications. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs, with the exception of payments in favor of Internet providers. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs, with the exception of payments in favor of mobile operators and Internet providers.
Acceptance of payments for roads, traffic fines. Acceptance of funds in Belarusian rubles from individuals for the purchase of securities. Payments by individuals to BR for loans and bank services. Payments by individuals to IV for loans and bank services. Acceptance of funds in foreign currency from individuals for the purchase of securities.
Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs using a bank payment card. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs, with the exception of payments in favor of mobile operators using bank cards. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs, with the exception of payments in favor of Internet providers, using banking.
Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities and individual entrepreneurs, with the exception of payments in favor of mobile operators and Internet providers.
Acceptance of payments from individuals in Belarusian rubles to repay credit debt, as well as to pay remuneration for the provision of services to OJSC "JSSB Belarusbank" using a bank payment card. Insurance services for legal entities and individual entrepreneurs. Acceptance of insurance premiums from individuals in accordance with the legislation of the Republic of Belarus and concluded agreements with insurance organizations.
Compulsory insurance civil liability owners Vehicle. Mandatory civil liability insurance for vehicle owners of residents traveling outside the Republic of Belarus “Green Card”. Voluntary insurance from illnesses and accidents while traveling abroad. Voluntary injury insurance "Express". Voluntary comprehensive insurance of property and civil liability of its users.
Mandatory civil liability insurance for non-resident vehicle owners entering the Republic of Belarus “Border Insurance”. Mandatory health insurance foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus. Exchange of cash foreign currency.
Replacement of foreign currency banknotes. Purchase of cash foreign currency for cash Belorussian rubles. Purchase of cash foreign currency for non-cash Belarusian rubles. Purchase of non-cash foreign currency for cash Belarusian rubles. Purchase of non-cash foreign currency for non-cash Belarusian rubles. Sale of cash foreign currency for cash Belarusian rubles. Sale of cash foreign currency for non-cash Belarusian rubles. Sale of non-cash foreign currency for cash Belarusian rubles.
Sale of non-cash foreign currency for non-cash Belarusian rubles. Conversion of cash foreign currency.
Conversion of non-cash foreign currency. Acceptance of documents for opening current bank accounts, access to which can be provided using a debit bank payment card. Opening current bank accounts, access to which can be provided using a debit bank payment card. Transactions on accounts in Belarusian rubles using payment cards.
Transactions on accounts in foreign currency using payment cards. Transactions on accounts in Belarusian rubles without the use of payment cards. Acceptance of applications for extension of validity, loss and reissue, production of a duplicate card.
Issuance of bank payment cards. Payments using bank payment cards. Preparation of documents and registration of clients in the Internet banking system. Issuance of code cards for the Internet banking system. Acceptance of documents for closing current bank accounts, access to which can be provided using a debit bank payment card. Closing current bank accounts, access to which can be provided using a debit bank payment card.
Issuance of debit PCs without information. Acceptance of documents for overdraft, creation of applications. Preparation of powers of attorney and testamentary dispositions for client accounts. Acceptance of cash foreign currency using a bank payment card. Non-cash debiting of funds from a client’s account opened at a given Bank institution without using a card. Issuing cash in foreign currency using a bank payment card. Accepting cash in Belarusian rubles using a bank payment card.
Cash withdrawal in Belarusian rubles using a bank payment card. Issuance of international Visa cards Platinum, MasterCard World Black Edition with information reflected in SC-Card software.
Reception additional contributions to a client's account opened in another institution of the Bank, without using a card. Money transfers via the Western Union system.
Money transfers via the BLIZKO system. Bank transfers of individuals and legal entities in foreign currency. Payment of foreign currency without opening an account. Payment of Belarusian rubles without opening an account. Sale of coins made of precious metals. Sale of lottery tickets, payment of winnings. Providing individual safe deposit boxes.
Payment of commercial checks on the terms of collection of individuals. Special accounts for individuals “Subsidy”. Acceptance of banknotes for collection National Bank RB. Consulting individual clients. Receiving applications and issuing certificates and other information. Exchange of damaged and tattered banknotes in Belarusian rubles for good ones. Verification of the authenticity of banknotes according to the application of the individual. Payment of reimbursement for collection of banknotes of the National Bank of the Republic of Belarus.
Loading cash into ATM cassettes. Unloading cash from ATM cassettes. Unloading cash from the information kiosk cassette. Loading a set of cassettes into an ATM.
If you need to make any payment or provide card details for a transfer, you need to know its details. To do this, you can use various methods.
When signing documents to open a card account at JSC JSB Belarusbank, you receive a copy of the agreement. Using the documents received, you can find out all the necessary details for your card. At the beginning of the agreement, you can view the account number, its validity lines and details of the bank itself, such as the microfinance organization, organization code and official name. 
When contacting a bank branch
If you are near a Belarusbank representative office with an original passport, you can approach a specialist and present the original passport. After this, the bank employee will be able to tell you all the necessary details of your card account.
Depending on the purposes for which you need the data, you can clarify the data you need.
In Internet banking
For clients who have gone through the process of reviewing their account data, there will be no problem. Just go to your Personal Area and you will be able to view all the necessary information.
In addition, clients who have connected their account can check this information using their mobile phone.
Using the contact center
When contacting the staff, they will also help you find out your card details. But for identification, you need to tell the employee the card number and code word, after which you can get all the necessary information.
To do this, just call the helpline number - 147.
Introduction
bank cash loan precious
The purpose of the internship is to consolidate the theoretical knowledge acquired at the institute in the specialty “Accounting, analysis and audit in banks”, and skillfully use it in practice.
The objectives of the practice are to familiarize yourself with the activities of branch No. 201 of OJSC JSSB "Belarusbank" in Vitebsk:
with the structure of the bank;
services offered by the bank to clients;
organization accounting;
registration and accounting, as well as rules for opening and maintaining bank accounts for legal entities and individuals;
working with securities;
registration credit operations;
organization and accounting of bank operations with precious metals;
branch loan portfolio;
the procedure for forming a reserve for possible losses;
With financial condition the organization being studied;
with other operations and services.
1. General information about the bank
1.1 Organizational structure of the bank
In this practice report we explore the Equity Savings bank"Belarusbank" branch 201 of the JSB "Belarusbank" in Vitebsk.
In accordance with the charter of the Joint Stock Company Savings Bank"Belarusbank" branch 201 of the JSSB "Belarusbank" in Vitebsk was created by decision of the Board of the Bank.
The purpose of the branch is to ensure the development of JSC "JSSB Belarusbank" in a wide range of services provided in the field of retail and corporate business.
The branch carries out its activities on the basis of standard regulations under the direct organizational and methodological guidance of the regional administration of the Bank, as well as structural divisions of the parent bank.
The branch is not a legal entity and has the status of a separate structural division of the Bank.
The National Bank of the Republic of Belarus issued a license to carry out banking operations.
JSSB "Belarusbank" operates on the basis of the Charter, in accordance with which the following goals are realized:
development of financial relations in the Republic of Belarus;
settlement and cash services, lending to individuals and legal entities;
attracting free funds to deposits and accounts;
attracting additional resources to invest in economically profitable projects for the development of vital sectors of the economy of the Republic of Belarus;
stimulating investment in the Belarusian economy;
promoting integration processes in the field of international financial relations;
active participation in promising projects aimed at solving economic and social problems;
Receiving a profit.
The management of the current activities of the branch is carried out by the director, who acts on the basis of a special power of attorney issued to him by the Bank. The branch director ensures the implementation of decisions of the Bank's Management Board and regional administration; pursues a unified Bank policy in the field of financing and lending; approves regulations on the structural divisions of the branch, submits for consideration to the management of the regional administration issues related to ensuring the operational and economic activities of the branch, establishes the operating mode of the branch and its structures.
As of July 26, 2011, the structure of the branch (Figure 1) consists of 2 centers, 11 departments, 4 services, 33 branches (19 branches are located in urban areas, 14 in rural areas), as well as 35 RUPS branches that accept funds in Belarusian rubles in deposits.
1.2 Banking products and services
To achieve the goals defined by the Charter, in accordance with the legislation of the Republic of Belarus, the National Classifier of Species economic activity of the Republic of Belarus and on the basis of licenses from the National Bank of the Republic of Belarus, the Bank carries out the following banking operations:
· attracting funds from individuals and (or) legal entities into deposits;
· placing raised funds on your own behalf and at your own expense on the terms of repayment, payment and urgency;
· opening and maintaining bank accounts for individuals and legal entities;
· providing settlement and (or) cash services to individuals and legal entities, including correspondent banks;
· foreign exchange transactions;
· issuance bank guarantees;
· trust management in cash;
· collection of cash, currency and other valuables, as well as payment documents (payment instructions);
· issue of bank notes plastic cards;
· financing against the assignment of a monetary claim (factoring);
· providing individuals and legal entities with special premises or safes located in them for storing documents and valuables (cash, securities, etc.);
· transactions with securities;
· lending to legal entities, individuals and individual entrepreneurs;
· international Money transfers Western Union, BLIZKO;
· money transfers "Strizh";
· operations with precious metals: sale and storage of commemorative coins made of precious metals.
· sale of lottery tickets and payment of winnings on them.
The Bank carries out the following types of activities in accordance with the National Classifier of Types of Economic Activities of the Republic of Belarus:
· insurance intermediation (activities of an insurance agent);
· intermediary, commercial, consulting activities and depository activities, trust management of securities on the basis of a license from the State Committee for securities of the Republic of Belarus and the consent of the National Bank of the Republic of Belarus;
· renting out your own real estate.
The Bank has the right to carry out activities subject to licensing only upon receipt of permission (license) from the National Bank of the Republic of Belarus or other authorized state bodies of the Republic of Belarus.
2. Registration of transactions for cash settlement services for clients
The cash settlement department, together with the corporate business department in the branch, works to provide services to legal entities and individual entrepreneurs (opening accounts, cash management services).
Accounts are opened on the basis of regulations, such as: Regulations “On the procedure for opening and closing accounts for legal entities and individual entrepreneurs”, Resolution of the National Bank of the Republic of Belarus dated April 3, 2009 and Presidential Decree No. 1 dated January 16, 2009.
To open a current account, legal entities must submit:
.application for opening an account, signed by a person authorized to open an account;
.a copy of the charter (memorandum of association - for commercial organization, acting only on the basis of the constituent agreement), having a stamp indicating state registration - for legal entity;
.a copy of the state registration certificate - for an individual entrepreneur;
.a card with sample signatures of officials of a legal entity, individual entrepreneur who have the right to sign documents for settlements, and a seal impression.
.other documents provided for by these Regulations and legislative acts.
If a client opens a current account to carry out transactions with his separate division, an entry about this is made in the application for opening an account, indicating the full name and location (address) of the separate division.
The basis for opening a current account is a current account agreement - a standard form of a current (settlement) bank account agreement in Belarusian rubles and foreign currency.
JSC "ASB Belarusbank" also opens sub-accounts, special, charitable, temporary, correspondent, deposit and other accounts.
The bank's operational department provides settlement and cash services on the basis of current legislation and the relevant agreement between the parties in accordance with the current commission rates.
Connection to the electronic payment system “Client-Bank”. As of July 26, 2011, the system was installed to 275 clients, with a target of 260. Our own email network significantly increases the speed of information processing and allows parties to send and receive the following documents:
in client-bank mode:
· payment orders in national and foreign currencies;
· application for transfer;
· applications for the purchase and sale of foreign currency;
· applications for currency conversion;
· text documents of any content;
in bank-client mode:
· statements of the client's account status;
· foreign exchange rates;
· information about the current account status;
· transaction archive data.
To identify transmitted payment documents, the client’s electronic signature and a special encryption algorithm are used, which guarantee the accuracy and confidentiality of the information.
Last year, work was carried out to increase the share of customer payment instructions transmitted electronically in the total document flow. As of 01/01/2011, the share of electronic document flow in the branch was 98.2%, with a planned figure of 78%.
The formation of a package of documents for closing client accounts at a bank institution is carried out by the corporate business service.
The current account can be closed:
.at the request of the client;
.if there are no funds in this account within three months from the date of the last debit of funds from it;
.in the absence of records on the account for three months if this is determined by the agreement;
.in case of exclusion of the client from the Unified State Register of Legal Entities and Individual Entrepreneurs;
.in other cases provided for by law and (or) agreement.
Payment of interest for the use of funds on the account, as well as currency revaluation and other intra-bank transactions on the account do not affect the closure of the account.
The bank institution independently determines the need to close the account due to the lack of funds in this account or the absence of records on the account for three months.
For legal entities, there is such a service as making investments in deposits in Belarusian rubles and foreign currency.
Types of deposits in the bank - time and on demand. The terms of the deposit are determined by the agreement and depend on the amount and terms of placement. At the request of the client, the deposit agreement may provide for the payment of interest - monthly, quarterly, and also at the end of the deposit period.
The main form of non-cash payments currently is bank transfer. Depending on who initiates the payment, debit and credit transfers are distinguished. With a debit transfer, the initiator of the payment is the beneficiary, that is, the recipient of the funds; this transfer is formalized by payment requests, checks. In case of a credit transfer, the initiator is the payer. In this case, payment orders and payment requests-orders are issued.
When making debit transfers through payment requests, an accepted or direct payment form is used. Acceptance means the preliminary consent of the payer, and the non-acceptance form is used when funds are written off from the payer’s account without his consent. The payment request is issued by the beneficiary and submitted to the bank serving him for collection. When accepting payment requests from a client for collection, the executive officer of the receiving bank checks the correctness of the payment request, and then forwards it to the sending bank. When payment requests are received by the sending bank, the responsible executor checks the correctness of the payment request in terms of filling out the required details. Also, payment requests must be verified with the application for acceptance. Requests accepted by the payer are paid on the day they are received by the sending bank:
When making credit transfers, payment orders and payment requests-orders are issued. The payer issues payment order and submits it for execution to the servicing bank.
If the accounts of the payer and the beneficiary are serviced by different banks, the transfer is carried out through correspondent (sub-correspondent) accounts.
The procedure for performing transactions on deposits of individuals in OJSC "JSSB Belarusbank" is carried out in accordance with Regulation 75.6 dated 01.08.2011.
To carry out transactions on deposits, the structural divisions of the branch use forms of a single form, produced by printing, as well as using software and hardware, provided that the name, content and order of arrangement of columns, lines and text of the forms are preserved.
The bank deposit agreement must be concluded in writing.
Failure to comply with the written form of a bank deposit agreement entails its invalidity from the date of conclusion of this agreement.
The form of the agreement and the terms of the bank deposit for each type of deposit are approved by the authorized body of the bank .
The electronic form must contain details of the document certifying and confirming the identity (for deposits in the name of another person, additionally - details of the document certifying and confirming the identity of the other person), which are entered when making the first transaction on the deposit and are not subsequently displayed on the monitor screen.
Opening a deposit account is carried out upon presentation of a document certifying and confirming identity.
The opening of a deposit account is carried out at the time of concluding a bank deposit agreement, which is drawn up in two copies (when opening an account for another person - in triplicate).
The bank deposit agreement is signed by the depositor, and on the part of the bank - by an authorized employee who has a power of attorney to carry out such transactions. One copy of the agreement is issued to the depositor, and the other is sent to the file cabinet for opening accounts, or to the branch accounting service (for rural branches operating without additional control) .
According to the Terms of Deposits, the depositor has the opportunity to make additional contributions, expense transactions (with partial withdrawal - if provided for in the agreement) and withdrawal of accrued income. The investor can also use the service of issuing a power of attorney and testamentary disposition, to accounts opened in a bank .
The account is closed on the basis of an application for account closure .
For registration deposit operations made non-cash, payment orders made in cash are used - cash receipts and expenditure documents.
The safety and return of attracted funds from individuals is guaranteed in accordance with Decree of the President of the Republic of Belarus No. 22 dated November 4, 2008 “On guarantees of the safety of funds of individuals placed in accounts and (or) bank deposits(deposits)".
3. Registration of loans and other active operations with clients
Credit policy For 2011, the bank has formed the main directions in the field of active operations of legal entities and the population.
Bank lending plays a key role in economic processes, occurring in the Republic of Belarus. This role is determined by the scale credit activities banks, as well as the variety of its forms and directions. IN modern conditions Bank loan used as the most important source of financing investments in real sector economy and housing construction, acquisition of durable goods by the population, development of business activities.
Interest income from active operations in branch No. 201 of JSC JSB Belarusbank for 2010 was received in the amount of 29.8 billion rubles, which is almost 2 times the amount of similar income in 2009. Their share in total income bank increased to 67.3% from 45.6%. The bank's credit support is used by 37 legal entities and one individual entrepreneur.
Income from lending to legal entities was received in the amount of 23.5 billion rubles, or 53.5% of the total amount for the branch.
Interest income from lending to individuals was received in the amount of 3.8 billion rubles, the plan was exceeded by 17.9 million rubles. The growth rate of income from private clients was 134.1%.
The branch's loan portfolio for loans to individuals as of January 1, 2011 was formed in the amount of 29.9 billion rubles, including 27.6 billion rubles from bank resources, of which national currency- 22.3 billion rubles, in US dollars - 1.8 million. The share of loans to the population in loan portfolio branch as of 01/01/2011 amounted to 12.1%.
The number of loan agreements as of January 1, 2011 was 6,145. During the year, 1,482 loan agreements were issued, 3,230 agreements were repaid. Of the total number of real estate contracts, 214 have been signed, for consumer needs - 1268.
Commission income on loans to the population for the analyzed period received 202.1 million rubles, against the plan of 241.3 (83.8%).
Overdue debt on loans to households amounted to 9.1 million rubles. for 34 loan recipients, which is 6.7 million rubles. less than last year.
The basis for starting work on considering the issue of issuing a loan to an organization is the submission by the applicant to the bank institution of a written application for a loan, signed by the head of the applicant and containing initial data on the requested loan amount, target orientation, repayment terms, interest rate and proposed collateral.
After consideration by the head of the bank institution, the application is sent to the corporate business service (credit service) of the bank institution to generate a package of documents for issuing a loan and to the security service to check the applicant’s reliability.
The loan officer introduces the applicant to the procedure and terms of the loan.
To consider the possibility of issuing a loan by a bank institution, the applicant provides a package of documents:
A letter addressed to the Head of the bank institution regarding the provision of a loan, indicating the direction of use of funds, terms of use and amount of the loan, interest rate, proposed method of security (registered in the incoming correspondence book of the bank institution).
Applicant's application form in the prescribed form .
Financial and financial statements: annual balance sheet with all appendices thereto, balance sheet as of the last quarterly date; profit and loss statement as of the last quarterly date; decryption of accounts receivable, accounts payable, goods shipped to the balance sheet as of the last quarterly date (indicating the amount, date of shipment); statements of accounts opened in other banks for the last three months; certificate of availability of a card index for off-balance sheet account 99814 " Settlement documents, not paid on time"; certificate of availability of loans (other active transactions) received from other banks as of the date of conclusion of the agreement; data on the receipt and use of foreign currency (when issuing a loan in foreign currency); financial recovery measures (for legal entities operating with losses).
Document defining accounting policy enterprises.
An extract from the decision of the board of directors (Supervisory Board) or an extract from the decision of the general meeting of participants of a business company on a major transaction.
A copy of the license to carry out certain types of activities, certified in the prescribed manner.
Copies of documents, certified in the prescribed manner, confirming the reality of the credited transactions and forming a portfolio of orders: agreements, contracts with suppliers of goods / services; acceptance certificates; customs declarations/invoices; commodity transport and waybills; invoices; letters of intent;
Documents to secure loan obligations depending on the form of security.
Program (technical, economic and financial indicators) for the development of the enterprise for the credited period .
Cash flow calculation.
Forecast of income and expenses.
Application for payment of payment requests of a bank institution in the order of preliminary acceptance on the day of their receipt by the bank.
When considering the issue of providing a loan to an applicant whose current account is opened at a bank institution, the constituent documents that are on file with the legal entity for opening accounts are used.
At the bank's discretion, other documents may be required confirming the applicant's ability to repay the loan in a timely manner, as well as the solvency of the guarantor or guarantor.
A copy of the applicant's application form, completed in the prescribed manner, is sent to the security service of the bank institution.
Security officers of the bank establishment establish the actual and legal address, check the applicant's reputation in the business world and other issues related to the reliability of the legal entity. If facts are established indicating that it is impossible to provide the applicant with a loan, the security service employees, within 3 working days from the receipt of the applicant’s application at the bank institution, draw up a memorandum, which is presented to the head of the bank institution for making a decision on further consideration of the applicant’s documents.
At the discretion of the chairman of the credit committee of the bank institution, the period for consideration of the application may be changed, depending on the degree of complexity of the issues being verified.
If the management of a bank institution, based on an analysis carried out by the security service (without submitting the issue to the credit committee of the bank institution), decides that the transaction is inappropriate, further work on studying its conditions is stopped, and the applicant is notified in writing of the refusal to issue a loan, indicating the reasons refusal.
If there are any doubts about the authenticity of documents or if additional analysis of the presented information is necessary, the credit officer of a bank institution, before issuing a loan, directly visiting the enterprise, checks the state of accounting, the reliability of the balance sheet, the actual availability of credited inventory and clarifies other issues that arose during the study of the submitted information. documents.
When determining the size of the loan and conducting financial analysis, internal local acts are used: recommendations for analyzing the sources of formation of the organization’s working capital and determining the need for working capital, recommendations for financial analysis and solvency of business entities, recommendations on the procedure for carrying out active banking operations by JSB Belarusbank with related legal entities and individual entrepreneurs.
Assessing a client's creditworthiness is aimed at identifying objective results and trends in his activities in order to prevent or minimize the negative consequences for the bank of issuing a loan to this client. In each individual case, the bank determines the degree of risk that it is willing to take on and the amount of credit that can be provided.
Based on the results of the analysis, the solvency class of the enterprise is determined in accordance with the recommendations for rating organizations.
The legal capacity of the applicant is verified by the legal service of the bank institution on the basis of the following documents:
constituent documents with all amendments and additions, in which attention should be paid to the correct spelling of the full and abbreviated name of the organization, its legal address, to the powers of management bodies in terms of concluding loan agreements, contracts, and disposing of the property of a legal entity;
certificates of state registration.
To establish the powers of the manager (other authorized person), the bank institution is provided with a contract concluded between the employer and the head of the legal entity, or a power of attorney, according to which the authorized person of the legal entity is given the right to sign contracts, a copy of the order on appointment to the position of manager and the manager’s certificate .
The legal service (legal consultant) checks the compliance of contracts (agreements) submitted for lending, including agreements (contracts) for implementation, including contracts (agreements) submitted during the lending period within the framework of credit (including revolving) lines, legislation of the Republic of Belarus.
On the results of the check to determine the compliance of the form and content of the documents submitted by the applicant with the current legislation, the legal service, within 3 working days from the moment the applicant submits the full package of necessary documents to the bank institution, draws up a conclusion, which is presented to the chairman of the credit committee of the bank institution.
The generated package of documents is sent to the security service to prepare a conclusion. In conclusion, the security services reflect the actual and legal address of the applicant, the fact of registration of a legal entity and registration with registering and tax authorities, the applicant’s reputation in the business world, the relationship of the legal entity with the owner (lessor) regarding the timely payment of rent, the presence of property claims and debts, the fulfillment of obligations under previously received loans, including those received from other banks, as well as a number of other positions at the discretion of the security service , which may subsequently affect the timeliness of repayment of the loan and interest on it. The conclusion is prepared within 3 working days from the date of submission of the package of necessary documents and is submitted for consideration to the chairman of the credit committee of the bank establishment.
Analysis and evaluation of the loaned project.
When analyzing a loaned project, a credit service specialist first of all analyzes the compliance of the purpose of the requested loan with the nature of the statutory activities of the legal entity, studies the previous experience of the legal entity with similar projects, the technological feasibility of the project (provision of production capacity, material and labor resources), identifies the main problems and risks that may affect the implementation of the project, economic efficiency project, availability of contractual and legal support.
We study contracts (agreements), invoices, customs declarations, other documents confirming the reality of the transaction being financed, and sales contracts (agreements) confirming the sources of loan repayment.
Checking the compliance of the submitted contracts (agreements) with the currency legislation of the Republic of Belarus is carried out by the service foreign exchange transactions, with the preparation of an appropriate conclusion.
At the stage of pre-contractual preparation of the project being financed, the credit service, together with the interested services of the bank institution, offers clients the most optimal schemes calculations, etc.
Loan repayment terms are established:
taking into account the payback period of the financed project or another economically justified period for the implementation of the financed project;
based on the schedule of receipt of leasing payments in accordance with the financial leasing agreement;
for legal entities engaged in production activities - based on the production cycle of processing inventory (purchases, receipts, processing) and sales finished products;
for legal entities engaged in trade and supply and sales activities - taking into account the turnover of current assets and receipt of proceeds from the sale of goods;
for legal entities engaged in non-production activities - based on the contractual terms for the sale of products, provision of services and receipt of revenue (taking into account the economically justified terms for the implementation of this transaction).
Interest for the actual time of using the loan is accrued in accordance with Accounting policy bank and are paid on time and in the amount according to the terms loan agreement. The credit service of the bank institution exercises control over the completeness and accuracy of the accrual of interest for the use of a loan.
A way to ensure the fulfillment of a loan obligation may be:
.Surety (guarantee).
.Security deposit of money.
.However, the most acceptable method for the branch, from the point of view of employees, is a deposit.
The borrower provides a list of property offered as collateral, and department employees check the actual availability of the specified collateral. If the object of inspection is located at a considerable distance, then it is possible to organize an inspection of other nearby structural unit OJSC "ASB Belarusbank". Based on the results of the inspection, a conclusion is drawn up on the possibility of contributing the borrower’s property to secure the fulfillment of obligations under the loan agreement. If the decision is positive, a pledge agreement is drawn up.
If facts of sale, loss, or damage to property pledged are revealed, the bank has the right to demand restoration (replacement) of the pledged item or early repayment loan (corresponding part) regardless of the term.
During subsequent inspection intended use upon entering the place, the loan officer checks the data of the borrower's paid payment documents, submitted agreements (contracts), invoices and other documents confirming the receipt of inventory items, acts of work performed with the data of the primary accounting, warehouse accounting and the actual availability of credited inventory items and work performance.
The basis for starting work on considering the issue of issuing a loan to the population (for consumer needs) is the submitted application form for obtaining a loan , for obtaining a loan using bank plastic card and a certificate of income of the borrower, in the established form, for the last three months , as well as an identification document of a person registered at the place of residence (stay) and having a permanent source of income in the Republic of Belarus.
The forms practically used in work to ensure the fulfillment of obligations under a loan agreement, in contrast to lending to legal entities, are a guarantee and a penalty.
Next, the borrower provides certificates about the average monthly income and the amount of deductions made by its guarantors. Gives consent to submit a credit report to AISKB (automated Information system commercial banks).
It is also possible to issue loans to individuals who are individual entrepreneurs. This category of citizens must provide the following package of documents:
· income certificate or certificate tax office on payment of taxes for the reporting period (calendar year or other period in respect of which the amount of income is confirmed)
· information on the income of an individual entrepreneur of the Republic of Belarus who is a single tax payer.
At the stage of consideration of the package of documents by the consumer lending service ( retail business) an adequate assessment of the reliability and creditworthiness of borrowers who are individual entrepreneurs is carried out, the duration of business activity, established business reputation, costs of doing business and other indicators are taken into account. It is prohibited to provide loans to individual entrepreneurs who have overdue tax debts, overdue debts on active banking operations or who have cases of systematic violation of obligations on active banking operations.
The loan officer submits the submitted package of documents to security and legal service employees for review and verification of the authenticity of the information provided. Employees of the security and legal services sign the application form indicating the date of receipt.
In addition to a loan for consumer needs, it is possible to obtain other loans (targeted); along with the standard package, others are also provided Required documents:
· for payment medical care and services, purchase of medicines, medical equipment and devices:
· for spa treatment, recreation and tourism:
· for training in higher and secondary specialized educational institutions.
· for the improvement of burial sites, including the purchase and installation of a monument (fence).
Based on the data provided by the borrower, his solvency is determined.
Before concluding a loan agreement, the applicant is provided with information in writing about the terms of the loan and the full interest rate for using the loan.
After making a positive decision to issue a loan, based on the minutes of the meeting of the credit committee, the employee of the population lending service:
draws up two copies of the loan agreement , In case of issuing a plastic card, additional rules of use are drawn up credit card, and an agreement to ensure the fulfillment of obligations.
If the credit committee of the Bank institution makes a negative decision on issuing a loan, the decision of the credit committee formulates the reasons for refusing to issue a loan. An employee of the population lending service, in a notice (letter) signed by the head of the Bank institution (or an authorized official), informs the applicant about the refusal to provide a loan. Copies of documents submitted by the borrower for a loan, the issuance of which was refused, are stored in the consumer lending service for one year.
In addition to preferential loans for education in higher and secondary educational institutions, branch 201 can apply for other preferential loans:
· for gasification with natural gas;
· young professionals;
· preferential customer credit;
· for the construction or acquisition of residential premises.
A fee is charged for operations performed by the branch to issue loans in accordance with the collection of remunerations.
4. Registration of bank transactions with precious metals
To receive measured ingots at branch No. 519, bank institutions submit an application to the department money circulation department for working with valuables under the “Client-Bank” system. Applications on paper, signed by the manager (a person authorized by him) and the chief accountant (a person authorized by him), sealed with the seal of the bank institution, are stored in the bank institution according to the nomenclature of files.
The Department for Working with Valuables, based on applications from bank institutions and the Department of Currency Control and Financial Monitoring Y, submits a free-form application to the National Bank of the Republic of Belarus, which indicates: the name and type of precious metal, the mass in the ligature (nominal mass) of the bullion and its quantity. In addition, the application records that the receipt of measured ingots will be made through the collection service of branch No. 519. The application is signed by the Deputy Chairman of the Bank's Management Board.
After receiving an invoice from the National Bank of the Republic of Belarus, the department for working with valuables prepares a memorial order with additional details in two copies, signed by the director (deputy director) of the department for working with valuables and the Deputy Chairman of the Board of the Bank, for the transfer of funds for the purchased measuring bars . Memorial orders with additional details, together with an invoice, are transferred to OPERA to transfer funds to the account of the National Bank of the Republic of Belarus. Funds must be transferred to the account of the National Bank of the Republic of Belarus no later than one business day after the day the invoice is issued.
On the day of receipt of the memorial order with additional details, the Department for Working with Valuables prepares an order for branch No. 519 to receive measured ingots from the National Bank of the Republic of Belarus.
The issue of measured bars to bank institutions by branch No. 519 is carried out at book value in accordance with the procedure.
To issue measured bullion to bank institutions, the head of the foreign exchange office of branch No. 519, on the basis of orders, draws up a specification in two copies signed by the persons responsible for the safety of valuables, and certified by the seal of the head of the foreign exchange office of branch No. 519, and also draws up a forwarding statement f. 0402090007 Appendix 19 to Instruction No. 211) in triplicate for each bank institution (division of a bank institution) to which the bullion is delivered. The first copy of the specification, together with the order, is filed in the cash documents of the day for operations with precious metals of branch No. 519. The third copy of the transmittal sheet f. 0402090007 is filed in the cash documents of the day of branch No. 519.
Measured ingots, together with the second copy of the specification, are placed in collection bags or canvas bags separately according to the type of metal and the establishment of the recipient bank.
The purchase and sale prices of a bank of bullion bars are established and changed based on the order of the head (deputy head) of the bank institution and are valid until their new values come into force.
The purchase and sale prices of bullion banks are set in Belarusian rubles per 1 gram of precious metal in a ligature and (or) per bullion of a specific denomination.
Prices for precious metals in the form of ingots are calculated in Belarusian rubles with rounding.
The profit included in the sale price is determined based on the established rate of profit in relation to the planned costs associated with the acquisition and sale (without taking into account the purchase price of precious metals by the bank establishment).
The selling price of ingots cannot exceed the maximum permissible deviations established by law from the price of sale by the National Bank of the Republic of Belarus of ingots for transactions with legal entities and individuals.
Copies of orders “On the establishment of prices for the purchase and sale of bullion bars of precious metals” are stored in the operating cash desk, which carries out transactions with bullion bars, in a separate folder for a month.
In case of sale of measured ingots with payment at non-cash payments, with the exception of payment using a bank plastic card, the client (representative of a legal entity) submits an application f. 0402250013.
The client presents to the responsible executor an application, passport and power of attorney for the right to receive bullion bars (for a representative of a legal entity), as well as a payment order for the transfer of funds with the Bank's mark on the transfer. The responsible executor, having verified the identity of the recipient, checks the accepted documents and issues a cash receipt order f. to write off the cost of the sold bullion bars. 0402540102 in a number of copies sufficient to complete transactions on all affected accounts, and also makes a note in the application regarding the availability of payment. Draws up waybills (TTN-1) or waybills (TN-2) for ingots to be issued to a representative of a legal entity, while the purpose of purchasing the ingots is indicated in the “Note” column. Expense cash order f. 0402540102, an application with a mark, a power of attorney, a consignment note (TTN-1) or a consignment note (TN-2) are transferred to the cash register manager.
The manager of the operating cash desk, based on the client’s request, the consignment note (TTN-1) or the consignment note (TN-2), prepares measured ingots for sale.
The representative of the legal entity and the cash register manager sign the consignment note forms TTN-1 or the consignment note forms TN-2, after which the measured ingots together with the first copy(s) of the consignment note form TTN-1 or the consignment note form TN-2 are transferred to the client.
The second copy of the consignment note form TTN-1 or the consignment note form TN-2, expense cash order f. 0402540102, the client’s power of attorney remains with the cash register manager, and is then filed in the cash documents of the day for precious metals.
To confirm the sale of bullion bars for non-cash payments, with the exception of payment using bank plastic cards, the client is given a receipt from a book with sets of receipts for processing banking transactions with precious metals f. 0402380014.
The sale of measured bars for cash and using bank plastic cards is carried out using special computer systems in accordance with the legislation of the Republic of Belarus. The cashier, having received Belarusian rubles from the client, as well as in the case of payment using bank plastic cards, prints out the check, the check number is registered in the register of precious metals sold, the check is issued to the client along with a measuring ingot and a certificate of quality from the manufacturer as confirmation of the sale. The register is maintained separately for each name of precious metal; maintaining the register in electronic form is allowed.
The register is stored in the form of an electronic document in the archive of electronic memorial documents.
At the end banking day transactions for the sale of measured ingots and their balances are reconciled with accounting data. Measured ingots that meet the standards of the state that produced the ingots, with the abbreviation of the National Bank of the Republic of Belarus, and a quality certificate from the manufacturer are subject to purchase from the client.
The cashier, when purchasing measured ingots from a client, carries out their examination. All weighing operations and examination of ingots are carried out in the presence of the client.
During the examination process and until the money is issued to the client, the measured bars are not returned to him.
If, based on the results of the examination, a negative conclusion is made on the ingot, then it is not purchased, but returned to the client.
If, based on the results of the examination, a positive conclusion is made, the cashier calculates the cost of the measuring ingot.
Payment for purchased bullion bars from legal entities and individuals by bank transfer, with the exception of payment using bank plastic cards, in established by law of the Republic of Belarus based on the client’s application (for a representative of a legal entity) indicating the name, type of precious metal, number of pieces, their bank details, the price of a unit of precious metal in accordance with the order of the bank institution “On establishing prices for the purchase and sale of measured ingots of precious metals” as of the date of filling.
To confirm the purchase of measured bullion by bank transfer, with the exception of payment using bank plastic cards, the client is given a receipt from the set of receipts f. 0402380014.
When purchasing measuring bars for cash, the cashier receives cash in accordance with the established procedure from the cash register manager against a receipt in the accounting book f. 0402380124.
The purchase of measured bars in cash and using bank plastic cards is carried out using special computer systems. When purchasing measured bullion, a receipt is printed, the receipt number is registered in the register column, which is maintained separately for each name of precious metals. Then the cashier gives the client a check and settles it.
Based on the results of the work of branches of branch 201 of OJSC "JSSB Belarusbank" for 2010, income in the amount of 24.3 million rubles was received on operations with measured ingots of precious metals. and sold 3081 grams of gold and 2090 grams of silver. The growth rate was 59.8 (income for 2009 was 40.6 million rubles and 5180 grams of gold and 3030 grams of silver were sold).
Sales of measured ingots and income for 2009 and 2010
Branch numberGold sold, grams 2009 2010Silver sold, grams 2009 2010Proceeds from sales 2009 2010201114928510705308 391 1862 235 826201/80309--513 280365 620201/852941099 8608103 362 7708 815 580201/8617848--987 070441 140201/1062004106764068014 070 9106 107 580201/107876421450607 627 7304 321 310201/11059715210104 707 2802 021 490201/181----00201/652---953 1800Total518030813030209040 613 40624 308 546
Based on the results of the work of the departments for June 2011, an income in the amount of 0.2 million rubles was received for operations with measured ingots of precious metals. and 20 grams of silver were sold (income for June 2010 - 2.21 million rubles and 233 grams of gold were sold).
Based on the results of the work of the departments for the 1st - half of 2011, income in the amount of 86.0 million rubles was received from operations with measured ingots of precious metals. and sold 3099 grams of gold and 600 grams of silver. The growth rate was 956.6 (income for the 1st half of 2010 was 8.99 million rubles and 1018 grams of gold and 530 grams of silver were sold).
Sales of measured ingots and income for the first half of 2010 and 2011.
Branch numberGold sold, grams 2010 2011Silver sold, grams 2010 2011Income from sales 2010 20112019573100-1 261 0562 600 030201/80118--27 180689 330201/8533512012101902 994 96032 132 640201/86-150---5 088 110201/10636211002101801 991 43028 610 720201/107158306-1501 451 8207 440 300201/1106724410801 268 8108 683 670201/181-7---747 690Total 101830995306008 995 25685 992 490
Tags: Activities of JSC "ASB Belarusbank" Practice report Banking
