Banking activities have always been strictly regulated by the state. Therefore, the legislation establishes a special procedure for registering banks. It is carried out by the Bank of Russia. In addition to registration, the bank will need to obtain a number of licenses for its activities.
It is necessary
- For state registration of a bank and obtaining a license to carry out banking operations, you will need:
- 1. application for state registration in the approved form;
- 2. the charter of the bank;
- 3. business plan;
- 4. minutes of the general meeting of participants, containing a decision on the establishment of the bank, approval of its name, etc.;
- 5. documents confirming payment of the state registration fee;
- 6. documents about the founders of the bank;
- 7. documents confirming the right to the premises that the bank will occupy (lease agreement, for example);
- 8. documents for registration of the first issue of bank shares, if it is created in the form of JSC or JSC.
- In some cases, other documents may be required.
Instructions
Step 1
The bank should be created in the form of a business company - a joint stock company (OJSC, CJSC) or a limited liability company (LLC). Both individuals and legal entities can establish a bank. At the same time, within three years after the establishment of the bank, they are not entitled to withdraw from the composition of its participants (shareholders).
Step 2
The documents required for registering a bank are submitted to the territorial office of the Bank of Russia at the location of the future bank. They are provided in two copies (with some exceptions - the charter is provided in four copies, the minutes and questionnaires of managers - in three). However, before submitting them, it is necessary to send a request to the territorial office about the possibility of using the selected name of the bank. The territorial office must respond to this request within five working days. Only after such an answer can the documents be submitted. The documents are reviewed within three months.
Step 3
If the territorial office of the Bank of Russia is not satisfied with the submitted documents, it can send its comments on the documents. This will allow the founders of the bank to make adjustments to the documents. If there are no comments on the documents, then a positive opinion on this with the documents is sent to the Bank of Russia - to the Department of licensing activities and financial rehabilitation of credit institutions of the Bank of Russia. Within six months, the Bank of Russia considers the application and documents verified by the regional office, and its conclusion. If he makes a positive decision, then he sends the appropriate requests for the registration of the bank to the registering authority (tax office) and on the registration of the first issue of shares.
Step 4
The basis for issuing licenses to the bank is one hundred percent payment of its authorized capital. The following types of licenses can be issued to the bank:
1. to carry out banking operations with funds in rubles;
2. to carry out banking operations with funds in foreign currency;
3. to attract deposits and place precious metals;
4. to attract deposits from individuals in rubles or foreign currency.
To obtain a license, you must submit an application to the territorial office of the Bank of Russia.
Step 5
The minimum amount of the authorized capital of a bank on the day of filing an application for its state registration and issuance of a license to carry out banking operations is set at 180 million rubles. Contributions to the authorized capital of a bank can be money, a building in which the bank will be located, ATMs and terminals, and other similar property.
