The activity of any bank is carried out after it receives a license. It applies to maintaining customer accounts and correspondent banks, financing capital investments, issuing securities, issuing guarantees and sureties, trust transactions, rendering consulting services, etc. The license is issued by the Bank of Russia, it is he who gives permission to conduct banking operations.
Instructions
Step 1
To obtain and register a banking license, you need to write an application to the head of the Bank of Russia indicating the address of the executive body of your organization and attach to it: - constituent agreement; - charter; - minutes of the meeting of founders; - business plan approved by the meeting of founders; - documents on payment of the state fee; - documents on state registration of founders; - documents confirming the sources of origin of funds contributed to the authorized capital of the bank; - questionnaires of candidates for the positions of the head, his deputy and chief accountant of the bank. Provide the specified documents in the original or make their notarized copies … You can submit a package of documents to the Territorial Administration of the Central Bank at the location of the future bank.
Step 2
In addition to the above list of documents, you need to provide information confirming the ownership of at least one of the founders to the building in which the bank will be located, or an obligation to lease it. Also, you will be required to list the persons on the board of directors.
Step 3
After submitting all the listed documents to the Territorial Administration, you will be given a receipt for their receipt. Consideration of the application takes three months. If there are any comments to the submitted documents, they will be sent to the founders. Corrected documents will be considered newly received.
Step 4
If there are no comments, the Territorial Administration sends its positive opinion to the central office of the Bank of Russia. It contains full information on the basis of which a conclusion was made about the possibility of registering a bank and issuing a license to it. A package of documents submitted by the founders of the bank being created is attached to the conclusion.
Step 5
Within six months, your documents will be considered by the Bank of Russia. When a positive decision is made, he sends to the authorized body information about entering information on the creation of a new bank in the unified state register of legal entities and notifies its founders about this. After that, he signs the bank registration certificate and agrees on candidates for the positions of managers.
Step 6
You will only have to pay the authorized capital of the bank, which will be the basis for issuing a license to carry out banking operations. Having received the conclusion of its Territorial Administration on the legality of payment of the entire authorized capital, the Bank of Russia decides to issue a license and sends two copies of it to the Territorial Administration, one of which is transferred to the chairman of the bank's council.
