Banking law. Business plan for a credit institution (the most important)

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Banking law. Business plan for a credit institution (the most important)

Lecture notes, cheat sheets

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32. Business plan of a credit organization

One of the documents provided by the founders to the Central Bank of the Russian Federation when creating a new credit institution is its business plan.

Business plan - this is a document for the next two calendar years containing the expected program of actions of the credit institution, including parameters (indicators) and expected performance results, and allowing the Central Bank of the Russian Federation to evaluate:

1) the ability of the credit institution to ensure financial stability, comply with prudential performance standards and mandatory reserve requirements, comply with the requirements of the law to ensure the interests of creditors and depositors;

2) the ability of the credit organization to long-term existence as a profitable commercial organization;

3) the adequacy of the credit institution's management system to the risks taken.

The Central Bank of the Russian Federation or a territorial branch of the Central Bank of the Russian Federation shall have the right to refuse state registration of the founder of a newly created credit institution, as well as the existing credit institution in expanding its activities, changing the type, reorganization, in case of establishing false, incomplete or contradictory information in the submitted business plan and inconsistency of the content business plan for the purposes of its submission to the Central Bank of the Russian Federation.

The business plan is submitted:

1) firstly, when creating a credit organization - by an authorized representative of the founders applying for state registration of a credit organization and issuing a license to carry out banking operations;

2) secondly, when expanding the activities of a credit institution by obtaining additional licenses for banking operations - by a credit institution applying for a license expanding its activities;

3) thirdly, when changing the type of credit institution (non-bank credit institution to bank or bank to non-bank credit institution) - by the credit institution applying for the change in type;

4) fourthly, in case of reorganization in the form of a merger, separation, division, transformation - by a representative of the credit institutions that made the decision to reorganize;

5) fifthly, in case of reorganization of credit institutions in the form of merger - by the credit institution to which the merger takes place.

The business plan is approved by the general meeting of founders (participants) of the credit institution.

The business plan of a credit institution must contain: general information about the credit institution; goals, objectives, market policy of the credit institution; information about the management system; information about the founders (participants); information on ensuring the activities of the credit institution; other significant indicators that, in the opinion of the credit institution, are necessary to disclose the main objectives of the business plan.

The business plan of a credit institution must meet the following requirements for its design and composition of applications:

1) information on the approval of the business plan (the date and number of the relevant minutes of the meeting of founders (participants) that approved the business plan are given on the title page of the business plan);

2) general information about the credit institution is provided on the first (following the title) page of the business plan; settlement balance with a breakdown of its individual items;

3) a plan of income, expenses and profit with a breakdown of its individual articles;

4) forecast of the fulfillment of certain mandatory standards;

5) forecast of the fulfillment of mandatory reserve requirements; the assumptions made in the business plan;

6) the results of a SWOT analysis, which makes it possible to identify and structure the strengths and weaknesses of a credit institution, as well as potential opportunities and threats.

Author: Belousov D.S.

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