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Átírás

1 nollchi!itejlbhallliih<ilopmal\iilll K npome>kytoi.jhoili 6YXfAJ1TEPCKOili (<lli!ihahcoboili) OTI.JETHOCTI!I AKL\I!IOHEPHOfO 06ll.IECTBA «netep6ypfcki!ii/i COL\I!IAllbHblili KOMMEPI.JECKI!Ii/i 6AHK» no COCTOllHI!IIO HA 01 AnPEJlll 2015 foaa.,[\ahhah cp~hahcobah OTYeTHOCTb noafotob/leha 3a nepbbl~ KBapTa/ '\a B OTHOWeH~~ AK4~0HepHoro o6ll\ecrsa «netep6yprck~~ C04~allbHbl~ KOMMepYecK~~ 6aHK>> (s AallbHe~weM- «5aHK»). EauHULjbl U3MepeHUR zoaoeoii Om'lemHocmu.,[\aHHaH cp~hahcobah OT4eTHOCTb npeactab/leha B TbiCH4aX pocc~~ck~x py6ne~ (Aanee- <<TbiCH4~ py6ne~» ). /Opuau'leCKUU aapec U Mecmo eeaehur aeamenbhocmu. 5aHK 3aper~CTp~pOBaH ~ BeAeT CBOIO AeHTellbHOCTb no cneayioll\emy aapecy: , Pocc~~cKaH <llep,epa4~h, CaHKT-neTep6ypr, y11~4a WnanepHaH, AOM 42. Ha BHeoyepeAHOM 06ll\eM co6pah~~ ak4~0hepos (npotokoll N2 61 ot 12 AeKa6pH 2014 roaa) Ha~MeHOBaHio1e oprahio13a41o10hho-npabob0~ cpopmbl 5aHKa nphbel'\eho B COOTBeTCTBio1e C 3aKOHOAaTellbCTBOM Pocc1o1~cKo~ <l>eaepa4"" - AK4HOHepHoe o6ll\ectbo <<netep6yprck~~ COlj~allbHbl~ KOMMepYecK~~ 6aHK>>. Hosoe HaHMeHoBaH~e 5aHKa sseaeho s Ae~cTBHe c 25 cjlespanh 2015 rdaa. 5aHK ~MeeT ABa AOnollHHTellbHbiX o 1o1ca s CaHKT-neTep6ypre, a TaK)f{e OAHH cjlhnha/1 s MocKse (Ha 01 HHBapH 2015 roaa: 2 AononHHTellbHbiX o 1o1ca s CaHKT-neTep6ypre, 1 cjlhnha/1 s MocKse). MHcjJopMOLjUR o Hanu'IUU 6aHKOBCKoii zpynnbl (xonauhza). 5aHK He ocyll\ectb/lhet csoro AeHTellbHOCTb B cocrase 6aHKOBCKO~ rpynnbr 1o1111o1 XOllAHHra. OcHOBHOR aeamenbhocmb. 5aHK pa6otaet Ha pbihke 6aHKOBCKio1X ycnyr c 29 OKTH6pH 1993 rdaa. 5aHK ~MeeT rehepallbhyio 111o14eH3~10 12 cpespanh 2015 roaa Ha ocyll\ectb/leh~e 6aHKOBCK~x onepa4~~. L\eHTpallbHOro 5aHKa Pocc~~CKO~ <l>eaepa4"" (Aanee L\5P<!>) NQ 2551 OT 5aHK yyactbyet 8 rocyaapctbehhom nporpamme CTpaXOBaHio1H BK/laAOB, YTBep)f{AeHHO~ <f>eaepallbhbim 3aKOHOM N2 177-<!>3 <<0 crpaxosah~~ BK/laAOB ~3~YecK~X 11~4 s 6aHKax Pocc~~CKOM <l>eaepa4~"" OT 23 AeKa6pH '\a. focyaapctbehhah C~CTeMa CTpaXOBaH~H BK/laAOB rapaht~pyet BblnllaTy 100% B03Mell\eH~H no BKilaAaM cp~3~4eck~x 11~4, pa3mep KOTOpbiX He npebbiwaet TbiCH4 py6nej;\ (AO 29 AeKa6pH '\a: 700 TbiCH4 py611e~) AllH Ka)f{AOIO cp~3~4eckoro 11~4a, B CllyYae OT3b1Ba y 5aHKa 11~4eH3~~ lo1/1~ BBep,eH~H L\5 P<!> MOpaTOp~H Ha nllate)f{~. 20 MapTa 2015 roaa Me)f{!'lyHapoAHOe pe~t~hrosoe arehtctbo Moody's Investors Service noatbepa~llo rno6allbhbre ~ Halj~oHallbHbre pe~t~hr~ nck5 Ha yposhe B2/NP/Baa1.ru, nporho3 no seem pe~t~hram - cra6~llbhbr~.,l].onrocpo4hbli;t Pei1n1Hr P,eno3lt1TOB s lt1hocrpahhoi1 vr Hau,HoHa!lbHOiii. samore KparKocpoYHbli1 Pei.1n1Hr,ll,eno311!TOB s HHocrpaHHoi1 VI HaLI,lt10HanbHoi.1 sa.more nporho3 no seem peiiitiiihram,ljpnrocpo4hbji.1 Kpep,lt!THbliii. Peiitn1Hr no HaU,YIOHallbHoili wkane 6a3osaf! Ou,eHKa Kpep,v!Tocnoco6Hocn1 CKoppeKn1posaHHaR 5a3DBa.R Ou,eHKa Kpep,l1rocnoco6Hocrvt B2 Not Prime (NP) Stable Baal.ru (b2) (b2) 5aHK B COOTBeTCTB~~ C ~MeiOll\e~CH llvi4eh31o1e~ OKa3biBaeT no/lhbih nepe4ehb 6aHKOBCKVIX VI conytctbyioll\vix yc/lyr IOP~A~4eCKVIM ~ cjl~3~4eck~m 11~4aM s py6nhx ~ ~HocrpaHHoi1 san rote, s YacTHOCT~: PacYeTHO-Kaccosoe o6cny)f{~bah~e IOP~AVIYecK~x VI cpv13~4eckvix 11~4. s TOM 4VIC/le c ~cno/lb30bahviem 3/leKTpOHHO-~Hcp0pMa4~0HHOH CVICTeMbl AVICTaH4~0HHOro 6aHKOBCKOIO 06C!1Y>KV!Ba HJI!fl << V1HTepH T-6aH KI-1H r»; KpeA~TOBaH~e ~ rapaht~hhble onepalj~~; Onepa4~~ c co6ctbehhbim~ 4eHHbiM~ 6yMaraM~ VI ljehhbimvi 6yMaraM~ ctopohh~x 3M~TeHTOB; npv1blle4eh~e Aeno3~TOB ~ BK/laAOB; nepeboa AeHe)f{HbiX cpeactb s pamkax np~mehhembix cjlopm 6e3Ha/1~4Hbrx pacyetos no npeaoctasnehviio nonyyatenro cpeactb AeHe)f{HbiX cpeactb nnatellbll\~ka; CAaYa B ape HAY cei1 osbrx HYeeK; 1

2 Onepalj~~ c sait!othbim~ ljehhoctbm~. no COCTORH~!O Ha 1 anpeith 2015 foaa ~ 1 HHBapH 2015 foaa OCHOBHbiM~ aklj~ohepam~ 6aHKa HBflHfl~Cb np~6bjtk~h BITaA~M~p JleoH~AOB~Y (25,3335%), My3b1Ka KoHCTaHmH fopbeb~y (25,3335%), KonbiTOB Cepre~ fopbebhy (18,5300%), My3bJKa,ll,M~rp~~ H~Konae8~Y (10,8032%), 000 «YK «6<llA»,IJ,.Y. 3aKpblTOro naesoro ~HBeCT~ljHOHHOfO <jlohaa AOflfOCpOYHbiX nphmblx ~HBeCTHlj~~ <<f'ihjjlpacrpykryphble HHBeCTHlj~H>> (10,6529%), 6parHH H~Kona~ H~Konae8HY (9,3468%) Cyll\ecrseHHaH HH<jlopMaljHH o <!>HHaHcosoM nono>kehhh EiaHKa <ll~hahcoboe noitolkeh~e 6aHKa no COCTOHH~!O Ha 1 anpeith 2015 roaa xapaktep~3yetch CITeAY!OW,~MH noka3areithm~: YcraBHbl~ KanHTafl 6aHKa COCTaBITHeT TbiCHYY py611e~. Pa3Mep co6crsehhbix cpeactb (KanHran 6aHKa) cocrasnher TbiCBY py6ne~ no AaHHbiM JjlopMbl AKmBbl 6aHKa Ha 1 anpeith 2015 roaa coctab~il~ TbiCHYY py6ne~ no AaHHbiM JjlopMbl np~6biflb 6aHKa 3a 1 KBapran 2015 rdaa nocne Hanoroo6nolKeH~B cocras~na TbiCHY py6ne~. 8 6aHKe no COCTOBH~!O Ha 1 anpellb 2015 foaa OTKpblTO CYeTOB!OP~A~YeCK~M Jl~LjaM (~3 H~X ~cnollb3v!ot 3JleKrpoHHO-~HijlopMalj~OHHY!O c~cremy A~CTaHlj~OHHoro 6aHKOBCKoro o6cnylk~bah~h <<f'ihtepher-6ahkhhr>>) ~ CYeTOB Jjl~3~YeCK~M JlHLjaM (~3 H~X ~CnOJlb3V!OT 3JleKTpOHHO ~Hij>OpMalj~OHHY!O c~cremy A~craHlj~OHHoro 6aHKOBCKoro o6cnylk~bah~r «f1hrepher-6ahk~hr>>). OcrarK~ Ha CYeTaX!OpHA~YeCK~X Jl~lj Ha 1 anpellb 2015 rdaa COCTaB~Jl~ TbiCB4 py611e~ no AaHHbiM <jlopmbl nphhljhnbl, MeTOAbl OljeHKH H yyeta CYll\eCTBeHHbiX onepaljh>i H C06b!TH>i TbiCHYV py611e~, Jjl~3~YeCK~X Jl~lj 6aHK ocyw,ectbjlbet 6yxramepCK~j;i yyet ~ noafotobky Jjl~HaHCOBOj;i OTYeTHOCm 8 COOT8eTCT8~~ C 3aKOHOAarenbcrsoM Pocc~j;icKOj;i <lleaepalj~~ ~ HOpMaT~BHbiM~ akram~ 6aHKa Pace~~.,LJ,aHHaH COKpaw,eHHaR nohch~tejlbhah ~Hij>OpMalj~H AOJllKHa paccmatp~batbch C08MeCTHO C nojlho~ foaobo~ OT4eTHOCTb!O no COCTOHH~!O Ha 1 HHBapH 2015 rdaa. np~ cocrasneh~h AaHHO~ cokpaw,ehhoj;i nobch~renbho~ ~HijlopMal\~H 6aHK ~cnoitb308an re lke np~hlj~nbl, MeTOAbl OljeHK~ ~ yyeta cyw,ecrsehhbix onepalj~h ~ C06biT~~' YTO H np~ noafotobke rdaoboj;i OTYeTHOCT~ 6aHKa 3a 2014 foa. 8 COCTaB nohch~teflbhoh HHJj>OpMalj~~ 6aHKOM BKJ1!04aeTCH ~Hij>OpMalj~H 0 C06biT~HX ~ onepalj~hx, KOTOpble H8J1B!OTCH cyw,ecrsehhblm~ A/lH noh~mah~h ~3MeHeH~~ 8 Jj>HHaHCOBOM no!lolkeh~~ ~ pe3ynbrarax AeHrellbHocr~ 6aHKa, npo~3oweaw~x c AaTbl coctabjleh~h noclleahe~ roaobo~ oryerhocr~ 3a 2014 roa. B KaYecrse conocrabhmblx AaHHbiX np~hhma!otch AaHHbJe Ha 1 BHBapH 2015 rdaa. noa cyw,ecrsehhbimh H3MeHeH~RM~ noh~maetch H3MeHeHHe CTaTbH OT4eTHOCT~ 6o11ee YeM Ha 10%. 2. ConpOBOAHTe/lbHa>l HHcj>OpMal\HH K 6yxramepCKOMY 6a/laHCY no cj>opme OT4eTHOCTH AeHe>KHble cpeacrsa no COCTOHH~!O Ha 1 anpellh 2015 foaa H 1 HHBapH 2015 rdaa «,IJ,eHelKHble cpeactba>> npeactab/lh!ot co6o~ HaJlHYHble CpeACTBa B cymme TbiCHYH py611ej;i H TbiCHY py611e~ COOTBeTCTBeHHO. CyMMbl, IIICK/ltoYeHHble 1-13 AaHHoH cratbl-1 B CBH31t1 c vtmeiouj.iiimiilch orpahvtl.lehiiihmvi no HX VICnO!lb30BaHVIIO, OTCYTCTBY!OT. 2

3 2.2. CpeACTBa KPeAL-~THbiX oprahl-~33l\l-~i1 B L\eHrpallbHOM 6aHKe PoccL-~i1cKoi1 Cl>eAepal\L-~1-1 no COCTORHVIIO Ha 1 anpeiir 2015 foaa VI 1 RHBapR 2015 foaa «CpeACTBa KpeAVITHbiX oprahv13aljvih 8 LJ,eHTpallbHOM 6aHKe POCCVIHCKOH leaepaljvivj)) npeacta811riot co6ofi OCTaTKVI Ha KOppecnOHAeHTCKVIX cyetax, OTKpblTbiX 8 6aHKe POCCVIVI, 8 CYMMe TbiCRYVI py611efi VI TbiCHYVI py611efi COOTBeTCT8eHHO, a TaK}!{e 06R3aTellbHble pe3ep8bl TbiCRYa py611efi VI TbiCHY py611efi CpeACTBa B KpeAI-ITHbiX oprahv13al\villx CpeACTBa B KpeAHTHbiX oprahyi33lv1rx Ha 1 anpenn Ha 1 HHBapH 2015 roaa 2015 roaa Tb!C. py6. Cpep,crsa H8 KOppecnOH,JJ,eHTCKVIX C4 T8X 8 Kpep,VITHblX OpraHV13aU,V1HXpe3VIAeHTax P CpeACTBa Ha KOppecnOHAeHTCKVIX CYeTaX B 6aHKaX pe3vjaehtax CTpaH 03CP Cpep,crsa Ha KoppecnoHp,eHTCK(.1X cljerax s npo4!.1x 6aHKax CpeACTBa s KPeAVJTHbiX oprahvj3au,vjrx no APYfVJM onepau,vjhm Bcero Pe3epsbt lt1roro c yyetom pe3epsos CyMMbl, IIICKJlfOYeHHbl 1113 AaHHO~ CTaTbill B CBH3V1 C iiim fo~hmj.1cfl orpahv14 HVIHMV1 no VIX VICn0/1b30BaHI!ffO, OTCYTCTBYIOT CI>VIHaHCOBble aktvibbl, OL\eHVIBaeMble no cnpabeaiiviboi1 CTOVIMOCTVI Yepe3 npv16blllb VIJlVI y6bjtok no COCTORHVIIO Ha 1 anpeiir 2015 foaa tjlvihahc08ble aktvibbl, OljeHVIBaeMble no cnpabeajlvibofi CTOVIMOCTVI Yepe3 npv16blllb VlllVI y6bjtok, npeactabjlhiot co6ofi cnpa8eaj1vibyio CTOVIMOCTb CpOYHbiX AOfOBOpo8 npoaa}!{vt vthocrpahhofi salljotbl Ha cymmy TbiCllY A0111lapo8 CWA, npeacta811hjollj,vtx co6oi1 aktvib, pabhyio TbiCRYVl py611efi. no COCTOllHV!IO Ha 1 llh8apll 2015 foaa tjlvjhahcobble aktv18bl, OljeHvt8aeMble no cnpabeailvtbofi CTOV1MOCTV1 Yepe3 npv16billb vtllvt y6b1tok, npeactabjlhilvt co6ofi cnpabea11vi8vio CTOvtMOCTb cpoyhbix AOrDBOpOB npoaa}!{vj vthoctpahhofi 8allJOTbr Ha cymmy TbiCllY A011Jlapo8 CWA, npeactabjllljollj,vix co6oi1 aktvj8, pabhyio TbiCH'l py611efi 'll-~crall CCYAHall 3aAOII}!{eHHOcTb HVJ}!{e npeactabjleha VIHtjlOpMaljvtH no 8VJAaM npeaocta8jlehhbix CCYA no COCTORHV!IO Ha 1 anpellr 2015 foaa VI 1 llhbapll 2015 rdaa: 4~-tCTaH ccyahah 3aAonmeHHOCTb Ha 1 anpem1 Ha 1 HHBapH 2015 roaa 2015 roaa Hai!IMeHoBaHYie CcyAbt, npeaocrasnehhbte KpeAI'ITHbiM oprahh334hhm Tb!C, pyfi. Tb!C. py6. CpoLJHbte p,eno3j.1tbl YYTeHHble sekcenfl npa4afl CcyP,H3H 33P,Ofl>f<eHHOCTb Bcero CyMMa pe3epsa ""roro c y4etom pe3epaa CcyAbiJ npeaoctaanehhble top1-1ah4eckhm llhu,am, KpOMe Kpep,HTHbiX OpraHH3aU,Htf KopnopaTIIIBHble Kpep,li!Tbl Kpep,li!Tb! Mana My Ill cpep,hemy 611!3Hecy npo4ar CCV, 1,H3B 33P,O!I>f<eHHOCTb Bcero CyMMa pe3epsa ""roro c y4etom pe3epaa

4 l.j1-1cra.r CCYAHa.R 3aADII)f{ HHOCTb Ha 1 anpenh Ha 1 HHBapH 2015 roaa 2015 roaa Hali!MeHosaHiile CcYAbl, npeaocraanehhble cj>i-13vr4eckjiim 11~-tU,aM }f{j.1j11-1w,hb! (KpOM l-1not 4HbiX) illnoreljhb!e ABTOKpe,n,V1Tbl iiihbje norpe611!renbckii!e CCYAbl noptcjjen" OAHOPOAHbiX CCYA Be ere CyMMa pe3epaa t-'lroro c y1.1erom pe3epsa J.1roro no crarbe ViH<jlopMal\VIH no npocpo4ehhbim Kpe,[\VITaM, npe,[\ctasneha s pa3,[\ene 6.2. HVI>Ke npe,[\ctasneha CTPYKTypa ccva no BVI,[\aM 3KOHOMVI4ecKo~,[\eRTe/lbHOCTVI Ha 1 an penh 2015 ro,[\a " 1 HHBape 2015 ro,[\a: CcyAbl, npeaocrasnehhble IOPVIAVI4 CKYIM JlJIIU,aM, KpoMe KP Alo1THbiX oprahlo13au,lo1h: HaV!MeHoBaHHe Ha 1 anpenh Ha 1 HHBapH 2015 roaa 2015 roaa Onrosaf! VI po3hj.14hafl roprosnfl, pemoht asrorpahcnopthbjx cpe,ij,ctb, MOTOLJ,J.1KJ10B, 6bJTOBbiX J.13P, 11VI~ V1 npep,metob IH14HOrD nollb30bahlt1fl pa6aTbiBaiOll\"e npo"3boactba Ha 3asepweHllle pacyeros TpaHcnopr 1-1 CBR3b OnepaLJ,VJlt1 c H ABlt1)fU1MbJM ~t~myw,ecrsom, apeh,n,a VI npe,n,ocras11ehv1e ycnyr CrpoVJTe!lbCTBO np01t13bop,ctbo Ill pacnpe,n,eneh\ KTp03Heprlt1VI, ra3a 1t1 BO,ll,bl npo4j.1 B!.1P,bl )J, f!t JlbHOCTV B TOM YMc.ne: cy6bekram Manoro 1.1 cpep,hero npe,n,npvihv1mateflbctsa TOM LJ!IJCJle: npoyafl CCyP,Ha.A 33,1J,OfliK HHOCTb Bcero CyMMa pe3epaa J.1roro c y4etom pe3epaa npe,[\ctab/iehhah B Ta611VIl\e KOHI.\eHTpal\VIH pvicka K/IVIeHTCKOrO Kpe,[\VITHOro nopt<jlenh no OTpaC/IHM 3KOHOMVIKVI,[\IIH 10pVI,[\VI4eCKVIX /lvii.\, no Kpe,[\VITaM cy6bektam Ma/IOrO VI cpe,[\hero 6VI3HeCa, B TOM YVIC/Ie VIH,[\VIBVI,[\ya/lbHbiM npe,[lnpvihvimate/ihm, OTpa>KaeTCH Ha OCHOBe <jlopmbl 302 «CBe,[\eHVIH 0 pa3mell\ehhbix VI npvib/ieyehhbix cpe,[\ctbax)). B CTpOKY <<npoyee>> Ha 1 anpeiih 2015 rd,[\a BXO,[\RT C/le,[\yiOll\VIe KpynHe~WVIe OTpaC/IVI B npoi.\ehtax OT 06ll\e~ CyMMbl: <<<jjvihahcobbl~ /IVI3VIHr)) - 47,4%, «06pa60TKa,[\aHHbiX)) - 26,1%, «<jjv13kv11btyph0-03p,opobvite/lbhah,[\erte/lbhoctb)) - 8,7%, «,[\erte/lbhoctb pectopahob VI Ka<jle)) - 8,4% (Ha 1 HHBapH 2015 ra,[\a: «<jjvihahcobbl~ /IVI3V1Hr" - 45,3%, «06pa6oTKa,[\aHHbiX)) - 19,2%, «<jjvi3kv11btyph0-03p,opobvitenbhar,[\erte/lbhoctb)) -10,4%, «P,eRTeJlbHOCTb 6ap08)) -10,1%). CTpOKa «Ha 3asepweHVIe pacyetob" npe,[\ctabnret co6o~ osep,[\pa<jjtbl no pacyethomy cyety, npe, \OCTaBJleHHble KJlVIeHTaM 5aHKa. 4

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12 6. V1H<jlopMa4L-Hl o np11hi1maembix p11ckax, npo4eaypax 11x o4ehki1, ynpasnehi1ll p11ckami1 11 Kani1TanoM 3a Tp~ MeCHlja, 3aKOH4~BW~XCH no COCTOHH~fO Ha 1 anpe11h 2015 rdaa B nojl~t~ke ynpasjleh~h He npo~3owno cyw,ecmehhbix ~3MeHeH~iii. p~ckam~ 6.1. KpaTK11ti 063op HanpasneHI1H (creneh11) KOHljeHTpal\1111 pi1ckob, CBll3aHHbiX C pa311114hbim11 6aHKOBCKI1MI1 onepal\11rmi1, xapakrephbimi1 Al1R AaHHol1 KpeA11THOl1 oprah113a41111 H~>Ke npeactabjleh aha/1~3 reorpacjj~yeckoiii Ha 1 an penh 2015 roaa: KOHL\eHTpal\~~ akt~bob ~ o6h3atej1bctb 5aHKa no COCTOHH~fO (a mb!cr~ax poccuiichux py6neij) CrpaHbl Pocc~ticKaJI CrpaHbl rpynnbl npo'-nte <l>eaepai.\hh CHf pa3bhtbix CTp3Hbl IIIToro crpah,[l,ehemhble cpep,crsa Cpep,crsa Kpep,JtlTHbtX oprahii\3au,vi~ s LJ,eHrpa.nbHOM 6aHK8 POCCVI~CKOi:1 <l>eaepal.\ ~BaT8JlbHbl8 pe3epbbl Cpep,crsa s Kpep,lt1THbtX oprahi.13au,lilfix Y1H3HC0Bbl8 akh1bbl, OLJ,8HVIBa8Mbl8 no cnpab8,ll,j1viboti CTOI-'IMOCTII! Y8p83 nplt16bl!lb Vlnl-1 y6b!tok ljvictafl CCYP,Hafl 38,ll,OJl>t<8HHOCTb lj\iictbl8 BJ10>K8HY!FI B LJ,8HHbl8 6yMarl-1 11 p,pyrvie VIHaHCOBbl8 aktj.1bb! 1 lt!m81dw,v18cfl B H3Jll.14!.1V1,ll,!lfl npop,a>kvi Tpe6osaHI1H no rekyw,emy Hanory Ha np116blflb OcHDBHble cpep,crsa, HeMarep!lla!lbHble akr~bbl ~ Marepll!aflbHbte 3anacbt npo4~e 3KT~Bbl ~TOrO aktiiibob Cpe,o,crsa Kpe,o,l'lTHbiX oprah~3au,~i Cpe,o,crsa KJH1eHros, He RBflRIOW,I'lXCR Kpep,Y1THbiMYI oprah~33lj,~rmj BKJlal\bl cph3114ecki1x flhl\ Y1HaHcoBble o6r3arenbcrsa, ou,ehmsaembje no cnpasep,n1r1boi:1 crol-1moct!.1 Yepe3 npy16b!f1b 1-1!1!.1 y6b!tok Bblnyw,eHHble,o,onroBble o6f!3arenbcrsa TfiO)t{eHHoe Hanorosoe o6f!3are!1bctbo npo'-!~e 06H3aTeflbCTBa Pe3epsbt Ha B03MO)t{Hbte norep~ no YCIIOBHb!M 06.A3aTe!lbCTBaM Kpep,~THOrD xapakrepa, npo41t1m B03MO)t{HbiM norep.am ~ onepalj,li!fim c pe31t1, I,eHTaMll! o wophbix 30H lllroro o6r3arenbctb AKT~Bbl ~ 06H3aTeJ1bCTBa KJlaCC~cP~l\~POBaHbl B COOTBeTCTB~H CO CTpaHOti HaXO>KAeH~H KOHTpareHTa. Ha11~4Hble AeHe>KHbie cpeactba ~ OCHOBHble cpeactba KJlaCC~cP~Lj~posaHbl B COOTBeTCTB~~ CO CTpaHO~ ~X cjj~3~4eckoro HaXO>KAeH~H. no COCTOHH~fO Ha 1 anpe11r 2015 rdaa CTaTbH «CpeACTBa B KpeA~THbiX oprah~3al.\~hx)) B Yacm onepal\~(;j rpynnbl pa3b~tbix CTpaH COAep>K~T OCTaTK~ B AsCTp~~ B CYMMe TbiCH4 py611eti ~11~ 16,0% OT CYMMbl akt~bob. 12

13 HM>Ke npe,[\ctasjteh aha/1m3 reorpa<jlm4eckoh KOHljeHTpaljMM aktmbob M 06H3aTe/1bCTB 5aHKa no COCTOHHMKJ Ha 1 HHBapH 2015 rd,[\a: Pocc111HcKaR CrpaHbl CrpaHbl npo4~<e!arora <l>eaepal1"'" CHf rpynnbl crpahbl pa3bihbix (B motcrygx poccuijckux py611eij) crpah fj.,ehe>khbje cpep,crsa Cpep,crsa Kpep,lt1THb!X oprahit13au,vt~ s Ll,eHrpaJlbHOM 6aHKe Pocct-1i1cKoi1 <l>eaepal\ H3arenhHbre pe3epsbj Cpep,crsa s Kpep,MTHbiX oprahh3au,j.1hx t1HaHCOBbl akthbbl, OU, HV1Sa Mb1 no cnpase, VH1BOL1 CTOIIIMOCT\.1 4epe3 npl16biflb 11/111 y6bjtok l!lt1ct8h Ccy,tJ,HaH 3aP,OJl>K HHOCTb Tpe6osaHVlR no rekylll,emy Hanory Ha np1t16b1jlb OCHOBHbre cpep,crsa, HeMarepltlaJlbHbJe aktit1bbt V! MareplllaflbHbte 3anacbJ np041-1 akh1bbl l/lroro aktyibob Cpep,crsa Kpep,MTHb!X oprahvl3au.it1t Cpep,crsa KJ1JtteHros, He HBJIHfOW,IttXCH Kp p,lt1thb!mit1 oprahj.13alj,iii.rmit BKll8,ll,b! V!3J.14 CKIIIX lllllll, VIH8HCDBb! 06f!38T llbctba, ou,ehmsaemb!e no cnpabe,ll,jlli!boi1 CTOY!MOCTY! 4epe3 nplt16btllb lllllv! y6b!tok Bbtnyw,eHHbJe p,o.nrobbte D6H3aTellbCTBa Or.no>KeHHoe Hanorosoe o6h3are.nhcrso np04lt1 06H38T JlbCTBa Pe3epBb! Ha B03MD>KHble norep111 no YCllOBHb!M 06H38T JlbCTB8M Kpep,liiTHOro xapakrepa, npot.tli!m B03MD>KHbiM noreprm 1t1 onepau,v!hm c pe3v!,jj,ehtamlt1 ocj>wophbjx 30H Y1roro o6h3atellbctb no COCTOHHMKJ Ha 1 HHBape 2015 rd,[\a CTaTbH <<Cpe,[\CTBa B Kpe,[\MTHblX oprahm3aljhhx» B 4aCTM onepalji1h rpynnbl pa3bmtblx CTpaH CO,[\ep>KMT OCTaTKM B ABCTpHM B CYMMe TbiCH4 py611efi MflM 11,6% OT cymmbj aktvtbob. 13

14 H~me npeact3bjleh 3H3J1~3 3KT~BOB ~ 06H3aTeJlbCTB 6aHKa B pa3pe3e BaJltoT no COCTOHH~to H3 1 anpeilh 2015 roaa: (B fflbfcjiqax poccuuckux py6nei1) Py6n~ Aonnapbl EBpO npo4~e Vlroro AeHe>KHble cpep,crsa Cpep,crsa Kpep,li!THbiX oprahvtsau,vi~ s ~ehtpanbhom 6aHKe PDCCit!~CKOi <l>eaepau,hh 06R3arenbHble pegepbbl Cpep,crsa s Kpep,ttiTHb!X oprahj.133u,j.1hx l!!iict3fi CCyp,HaH 33,lJ,Oil>KeHHOCTb ljvlctbl BJ10>t<eHJ.1R B u,ehhble 6yMaflt1 J.1 p,pyr\11!.1h3hcobb! 3KTit!Bbl Y1MetoW,lr1 Cfl B H3J1Vl41-H1 P,flH npop,3>kj.1 Tpe6oBaHHR no rekyll\emy Hanory Ha nph6bll1b OcHOBHble cpep,crsa, CWA HeMarepvtallbHble aktit1bbl Marepll!aflbHble 3anacbJ np04ltle 3KH1Bbl ~TOrO 3KT1o1BOB 6e3 Y4 Ta cnpab AIH1BO~ CTOli!MOCTYI Cp04HbiX cp,enok Cpep,crsa Kpep,V!THbiX oprahlti33li,itih Cpep,crsa KJ1ItleHTOB, He RBilfHOW,ltlXCH Kp,ll,VlTHbiMVl Opf3Hlii33U,VlRMY BKnap,b! vt3ltl4eckv1x JH1U, BbJnyw,eHHble p,onrosble o6fl3atenbctsa OrnomeHHoe Hanorosoe 06R3aTe!lbCTBO np041-1e 06f!3aTe.nbCTBa Pe3epsbl Ha B03MO>KHb!e norep1r1 no ycnoshbim o6b3ate!lbctbam Kpe,ll,VITHoro xapakrepa, npo4!r1m so3mo>khb!m noreprm 1r1 onepal.j,!r1f!m c pe3!r1,ll,ehtamlt1 o >wophb!x 30H ~roro o6r3arenbctb 6e3 yyera cnpasep,jl~boh CTOVIMOCH1 CpOYHbiX CAEJlOK ~Y!CT3fl 6anaHCOB3fl n03vilj.y!r 33 J.1CKJ1104EHVIEM B3Jl!OTHbiX VIHCTpyMEHTOB OnepaU.V!Y! «BantoTHblH caon» VI TOM ~VICT3fl 63113HCOB3fl n03vilj.y!fl BKJ11043fl 83/l!OTHbiE VIHCTpyMEHTbl - 14

15 H"me npeactabneh ahan"3 akthbob "06H3aTeflbCTB 5aHKa no COCTOHH"Kl B pa3pe3e BaflKlT no COCTOHH"Kl Ha 1 HHBapH 2015 foaa: Py6n~ Aonnapbl Espo npo4~e Vlroro (B mbjch40x paccuuckux py6neij) CWA )l,ehe)i{hble cpeppba Cpep,CTsa Kpep,VITHbiX oprahh3au,llli-1 s ll,ehrpanbhom 6aHKe Poccvliil.cKoiii <l>eaepau,"" R3aTeflbHble pe3epbbl Cpep,crsa s Kpep,l!ITHbtX oprahlll3all,i'ihx l.j.v!ctar ccyp,hafl 38P,Oll>K HHOCTb Tpe6osaH!t1R no rekyw,emy Hanory Ha np.,6blllb OcHoBHble cpep,crsa, HeMarepVJanbHb!e aktit1bbl 1t1 Marepll!aflbHble ganacbl np04lll 8KTlt1Bbl Vlroro aktliibob 6e3 y4era cnpasep,ib1boj;1 CTOYIMOCTVI Cp04HbiX cp,enok Cpep,crsa Kpep,liiTHb!X oprahv13au,lllii Cpep,crsa KIH1 HTOB 1 He HBJIHfOW,liiXCR Kpep,li!THbiMl-1 oprahlii38ll,iii.rmlll BKnap,b! V13lt14ecKVJX m1l!, Bblnyw,eHHbte p,onrosbte o6r3ate!lbctba TflO>K HHO H8JlOrDBD 06H38T JlbCTBO np04v1 06.R3aTe11bCTBa Pe3epBbl Ha B03MO>KHble norepvi no ycjlobhbim o6h3ateflbctbam KpeAlt1THoro xapakrepa, npo4lt1m B03MO>KHbiM norephm 1t1 onepau,ltlfim c pe3lt!aehtamltl o wophbix soh V1roro o6haarenbctb 6ea yyeta cnpabeajh1boi1 CTOI-1MOCT~ cp04hbix CAenoK lfi-1ctah 6aJlaHCOBaH n031-14_!.1h 3a!.1CK11K>YeHJ.1eM BalltOTHbiX HHCTpyMeHTOB Onepa41-1~ «BalliOTHbliii cson» 1o1 TOM lfhctah 6anaHCOBaH n03j.14j.1h, BKJ1f04aH BallfQTHble J.'IHCTpyMeHTbl I!IH<jlopMal\"H o CTPYKTYPe CCYA no B"AaM 3KOHOM.,4eCKOi1 AeHTeflbHOCT" Ha 1 anpe!ih 2015 rdaa " 1 HHBapH 2015 roaa npeacrasneha B pa3ae!le 2.5. Pa36"BKa cpeactb Kfl.,eHTOB no B"AaM 3KOHOM.,4eCKOH AeHTeflbHOCTH no COCTOHHHKl Ha 1 anpenh 2015 rdaa" 1 HHBapH 2015 roaa npeactasneha s pa3aene

16 6.2. PacKpbJTI<e OTAenbHbJX p~<ckos KpeoumHbiU puck. H~>Ke npeactasneha ~H<jlopMalj~H o Knacc~<<jl~<Kaljl<~ akti<bob 6aHKa, B3BeweHHbJX no ypobhjo KpeA~THoro p!<cka B COOTBeTCTBI<VI C nyhktom 2.3. V1HCTpyKljVIVI 139-V1 no COCTOHHVIIO Ha 1 an penh 2015 foaa: KnaccHci>HKaU.HR akthbob 6e3 y~eta Cy4eToM B3B6WIItB3HVIH B386WLIIB3Hlo1R AKTltiBb!, BKJ1}0Y HHbl8 B 1-10 rpynny pvjcka AKTII!Bb!, BKIH048HHbl8 BO 2-!0 rpynny plticka AKTlt1Bb!, BK/ll048HHbl8 B 3-!0 rpynny plticka - - AKTIIIBbl, BKJli048HHbl8 B 4-!0 rpynny pv1cka AKTI-1Bbl, BKlliOY8HHbl8 B 5-l{) rpynny p!1ck3 - - Vlroro OnepaU,l-1Vl c nobbjwehhbimltl Koa YIU,lii8HTaMVl pltlcka HVI>Ke npeactasneha VIH<jlopMaljVIH o KnaccVI<jlVIKaljVIVI aktvibob 6aHKa, B3seweHHbiX no ypobhjo KpeAVITHoro pvicka B COOTBeTCTBVI~ C nyhktom 2.3. V1HCTPYKL\~VI 139-V1 no COCTOHHVIIO Ha 1 HHBapH 2015 foaa: KnaccVI<j)YIKaL\HR akntsos 6es yyera Cy4eToM B3B8WIIIB3HH.fl 8388WJIIB3HloHI AKTit!Bbl, BKJ11048HHb!8 B 1-10 rpynny plllcka AKTVlBbl, BK11!048HHbJe so 2-10 rpynny pyicka AKn1Bbt, BKJH048HHbJe s 3-ro rpynny pvlcka - - AKT!t18bl 1 BKJH048HHb!8 B 4-10 rpynny pli!cka AKTY1Bbl, BKJ11048HHb!8 B 5-!0 rpynny p!t1cka - - Vlroro OnepatJ,lt1lt1 c nosbjwehhblmltl Ko3 lt1tj,lt1ehtamlt1 pltlcka H~>Ke npeactasneha VIH<jlopMaljVIH o Ka4ecrse CCYAHO~ VI np~<pashehho~ K He~ 3aAOn>KeHHOCTVI, cpeactbax B 6aHKaX VI np04vix aktvibax no COCTOHH~IO Ha 1 an penh 2015 rdaa: CpeACTBa a CCYAHaH ~ npo4~e Tpe6osaH~R no KpeAloiTHblX nplilpashehhah K 3KTII!Bbl nonyyehiiiio oprahiii33lfsliihx HeH npolj.ehthbix (8 fflbicrlfox poccuijchux py6nei:j 33A011>K6HHOCTb AOXOAOB Henpocpo4eHHaH 3aA011>K6HHOCTb npocpo1.1ehh3h 3aA011>K6HHOCTb C 3aAep>KKO~ nnate>ka: MeHee 30 p,he~ DT 31 AD 90 AHe" DT 91 AD 180 1\He" CBb!We 180 P,Heiii VIToro npocpoyehhoh 3aAOJ1>KeHHOCTiil 111Toro 33A011>KeHHOCTH a BbJYeroM pe3epsa noa o6ecu.ehehlo1e VIr oro ,[\onH npocpo4ehhbix aktvibob s o6ll\em o6beme CCYAHO~ VI np~pashehho~ K He~ 3aAOn>KeHHOCTVI, cpeactbax 8 6aHKaX I< npo4vix aktvibax no COCTOHHVIIO Ha 1 anpenh 2015 foaa COCTaBVIna 1,74%. 16

17 H~>Ke npeactasneha ~H opmal1~~ o KaYecrse CCYAHO~ ~ np~pashehho~ K He~ 3aAOJl>KeHHOCTH, cpeactbax B 6aHKaX H npoyhx akthbax no COCTO~HHIO Ha 1 ~H8ap~ 2015 foaa: CpeACTBa B CcyAHa~ H npa4vje Tpe6osaHYJH no KPEAIIITHbiX nphpabhehhafl akuibbl nony4ehiiifo oprahh33l.\virx K Hef;; npolj.ehthbix (a mbicr"ax poccuijcuux py6nei1) 3aA011>KEHHOCTb AOXOA08 Henpocpo4eHHaH 3aAOll>KEHHOCTb npocpo1.1ehhafl 3aA011>KEHHOCTb c 3aAep>KKoYi nnarema: - MeHee 30 AHei OT 31 AO 90 AHe" OT 91 AO 180 1\HB" CBb!We 180 1\HB" Viroro npocpo4ehho~ 3aAOJUt<EHHOCTVI toro 3aAOJUKEHHOCTb a BbtYeTOM pe3epsa noa o6ec~ehehy1e Viroro /],on~ npocpoyehhbix akth ll\eM o6beme CCYAHO~ ~ nphpa8hehho~ K He~ 3aAOJl>KeHHOCTH, cpeact8ax 8 6aHKax ~ npoyhx akt~bax no COCTO~HHIO Ha 1 ~H8ap~ 2015 foi\a COCTa8HJla 1,31%. HH>Ke npeacta8jleha ~H<jlOpMaljH~ 0 pe3yllbtatax KJlaCCH<jlHKalj~H akt~80b no KaTeropH~M KaYeCTBa 8 COOT8eTCT8H~ C nojlo>kehhem 5aHKa POCCHH OT 16 MapTa 2004 foaa NQ 254-n <<0 nop~ake <jlopmhp08ah~~ KPeAHTHbiMH oprah~3alj~~mh pe3ep80b Ha B03MO>KHble notep~ no ccyaam, no CCYAHO~ H nphpashehho~ K He~ 3aAOJl>KeHHOCTH» H nono>kehhem 5aHKa Pocc~H OT 20 MapTa 2006 roaa NQ 283-n <<0 nop~ake <jlopmhpobahh~ KpeAHTHbiM~ oprah~3aljh~m~ pe3epbob Ha B03MO>KHble notep~» no COCTO~HJ-110 Ha 1 an pen~ 2015 roaa: CpeACTBa s CCYAHa~ H npoyhe Tpe6osaHH~ no KPEAHTHbiX npyipabhehh3r K 3KTio1Bbl nony4ehhk> oprahvj33l.\vihx Hei1 npol.\ehthbix (a mbicr"ax paccuijckux py6nei1) 3aA011>KEHHOCTb AOXOAOB I Kareropl... Hl Ka4ecrsa II Kareropvm KaYecrsa Ill Karerop~t~fl Ka4ecrsa JV KaTeropYIH Ka4eCTBa V Kareroplt1.A KaYecrsa ~Tor a lllroro pac4ethoro pe3epsa a Bbl4eTOM c!>akty14ecky1 cc!>opm1t1posahhoro pe3epsa nop, o6ecu,ehehit1e ~Taro

18 H~>Ke npeactasneha ~H opmal\~h o pe3y!lbtatax Knacc~cp~Kal\~~ akt~bob no KaTerop~HM KaYecrsa s COOTB TCTB~VI C no!jo>k HVI M 5aHKa POCCVIVI OT 16 Mapra 2004 roaa N2 254-n «0 nophak cpopm~pobah~h KP A~THbtMVI oprah~3al\~hm~ pe3epsos Ha B03MO>KHbte norep~ no ccvaam, no ccyahoh ~ np~pashehhoh K Hei:t 3aAO!l>KeHHOCT~» VI nonomeh~em 6aHKa Pocc~VI or 20 Mapra 2006 rdaa N2 283-n «0 nophake cpopmvtposahvih Kp AVITHbiMVI oprah~3al\vihmvi 1 HHBapH 2015 rdaa: p 3 pbob Ha B03MO>KHbl notepvt>> no COCTOHHVIIO Ha CpeACTBa B CCYAH3H Yl npo4111e Tpe6osaHii1R no KpeAYITHbiX np~ttpabhehh3si 3KT111Bbl nonyyehhio oprahyi334hhx K Hei:t npou.ehthbix (B mbjcrlfox poccuijckux py6neij) 33A011>KeHHOCTb AOXOAOB l Karerop~t~B KaYecrsa II Kareropvm KaYecrsa Ill Karerop!-1~ KaYecrsa IV KareropJIIH KaYecrsa V KareropMH KaYecrsa Y'lroro Y1roro pacl!ethoro pe3epsa a Bb!YeTOM cf>3ktlt1yeckvi c opmvtposahhoro pe3epsa noa o6ecu,ehehllle Hroro no cocrohh~io Ha 1 an penh 2015 roaa o6bem ~ YA!1bHbti:t sec pectpykryp~posahhoi:t HenpocpoYeHHOH CCYAHOH ~ np~pabh HHOH K Hei:t 3aAO!l>K HHOCTVI B o6l!\em o6beme akt~bob COCTaBVI!l TbJCHY py6nei:t ~ 5,2% (Ha 1 HHBapR 2015 rdaa: TbiCRY py6net\ ~ 3,9% COOTB TCTB HHO). PaCY THbiH p 3 pb no pectpykryp~posahhoi:t ccyahoh VI np~pashehhoi:t K Hei:t 3aAO!l>KeHHOCT~ Ha 1 anpenr 2015 roaa coctabviil TbiCRY py6net\, cpakmy CK~ ccpopm~pobahhbih pe3 pb COCTaB~!l TbiCRY py6!1 H (Ha 1 HHBapH 2015 rdaa: pacy THbiH p 3 pb TbiCRY py6net\, cpakt~y CK~ ccpopm~pobahhbih pe3eps TbJCRY py6nei:t). PblHOttHblii puck. CmpyKmypa pb!ho~h020 pucko no COCmORHU/0 HO 1 anpellr U 1 RHBOpR : Halo1MeHosaHYie p~~tcka Ha 1 anpe1111 Ha 1 HHB3pfl 2015 roaa 2015 roaa Bem 14li1Ha pb1h04horo phcka {PP)- scero B TOM 4V1Clle - npol.\ehthoro pvtcka (np) , Ba/l!OTHDrD pvtcka (BP) H.ill. Typ Jl.6. ii1310mh~koba 15 MaH 2015 rdaa 18