the client, in order to be completely confident in the implementation of their financial transactions on time and accurately, it is necessary to know not only, but also to navigate which branch of the bank serves it. Since not all questions can be clarified by phone or using the Internet, it can be easier and cheaper to come to your manager. Therefore, it is necessary for all clients to get an answer to the question of how to recognize a Sberbank branch by account number.
To understand the importance of the issue, you need to understand why customers need to contact the structural divisions of the bank.
choose the city where you are located financial institution, click on the link "Branches and ATMs". A map will appear on the screen with the bank branches indicated on it. Among the structural divisions, we are looking for the one that we need, click on the "Details" button and see all the data for the department.
Then click on the "Cards and Accounts" tab,
then select the one you are interested in from the list of products and click on the "Detailed information" menu.
After that, all the necessary data will be displayed on the screen.
documents specified in subclause 9.4.1 of clause 9.4 of these Instructions (sent only to the territorial office of the Bank of Russia at the place where a branch is opened);
documents provided for in subparagraph 3.1.9 of paragraph 3.1 of these Instructions (instead of the document provided for in paragraph five of the specified subparagraph, an agreement for the provision of security services is submitted; instead of the document provided for in paragraph ten of the specified subparagraph, an agreement is submitted property insurance). In this case, the documents provided for in paragraphs two to four and paragraph thirteen of the said subparagraph are drawn up by the credit institution and signed by its authorized person; the document provided for in paragraph twelve of the said subparagraph shall be signed by authorized persons of the credit institution and the insurance institution who have entered into a property insurance contract (sent only to the territorial office of the Bank of Russia at the place where the branch is opened).
If a branch of a credit institution is opened in the territory under the jurisdiction of a territorial institution of the Bank of Russia supervising the activities of a credit institution, all of the documents listed above shall be sent to this territorial institution of the Bank of Russia. In this case, the regulation on the branch is sent in one copy.
The documents specified in paragraph seven of this paragraph shall be submitted by the credit institution only if the notice of opening a branch contains an indication that the branch has been delegated the right to carry out banking operations for collection Money, bills, payment and settlement documents and (or) cash service individuals and legal entities and these operations will be carried out at the location of the branch.
11.7. Simultaneously with the documents specified in Clauses 11.4 and 11.5 of these Instructions, a credit institution may submit to the territorial office of the Bank of Russia supervising its activities documents for state registration of the relevant amendments to the charter of the credit institution.
State registration of such changes is carried out in the manner prescribed by Chapter 16 of this Instruction.
11.8. The territorial office of the Bank of Russia at the place where a branch of a credit institution is opened shall consider the documents specified in paragraphs 11.4 and 11.5 of these Instructions within twenty calendar days from the date of their receipt.
During this period, the territorial branch of the Bank of Russia:
a decision is made on the issue of coordinating candidates for the positions of the head and chief accountant of the branch. Consideration of the issue of candidates' compliance with the requirements for qualifications and business reputation established by Article 16 of the Federal Law "On Banks and banking", is carried out by the territorial branch of the Bank of Russia, taking into account the requirements of the Bank of Russia regulation, which determines the procedure for assessing compliance with the qualification requirements and requirements for business reputation of the persons specified in Article 11.1, Article 60 of the Federal Law "On central bank Russian Federation (Bank of Russia)";
a conclusion is being prepared on the compliance of the premises of the branch for transactions with valuables with the requirements established regulations Bank of Russia. For the preparation of this opinion the territorial branch of the Bank of Russia has the right to carry out an inspection with the release of specialists to the site. In the case of cash insurance for an amount not less than the amount of the minimum balance of cash storage and coordination with the insurance organization of the requirements for the technical security of premises for transactions with valuables, the territorial office of the Bank of Russia, when conducting an inspection with specialists on site, control over the compliance of the technical security of such premises the requirements established by Appendix 1 to Bank of Russia Regulation No. 318-P are not met. The opinion specified in this paragraph shall be prepared by a territorial branch of the Bank of Russia only if there is an indication in the notice of opening a branch that the branch has been delegated the right to carry out banking operations for the collection of funds, bills of exchange, payment and settlement documents and (or) cash services for individuals and legal entities. persons and these operations will be carried out at the location of the branch.
11.8.1. If a positive decision is made, the territorial branch of the Bank of Russia shall send an opinion in the form of Appendix 12 to this Instruction to the territorial branch of the Bank of Russia that supervises the activities of the credit institution. At the same time, one copy of the questionnaires of candidates for the positions of the head, chief accountant of a branch of a credit institution with a note of approval in accordance with the Bank of Russia regulation determining the procedure for assessing compliance with the qualification requirements and requirements for business reputation of persons specified in Article 11.1 of the Federal Law "On Banks and Banking Activities" and Article 60 of the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)", a conclusion on the compliance of the premises of the branch for transactions with valuables with the requirements established by the regulations of the Bank of Russia is sent to the credit institution that opened the branch.
If a negative decision is made, the territorial branch of the Bank of Russia informs in writing the territorial branch of the Bank of Russia supervising the activities of the credit institution and the credit institution of the need to comply with the relevant requirements established by Bank of Russia regulations.
11.9. The territorial office of the Bank of Russia supervising the activities of a credit institution shall review the documents specified in paragraphs 11.4 and 11.5 of this Instruction within one month from the date of their receipt.
If the provision on the branch complies with the requirements established by federal laws and regulations of the Bank of Russia, the charter of the credit institution and the license to conduct banking operations, the credit institution does not have a ban on opening branches, and also if there is a positive opinion of the territorial office of the Bank of Russia at the place where the branch is opened the territorial branch of the Bank of Russia supervising the activities of a credit institution, within the period specified in the first paragraph of this clause, assigns a serial number to the branch, enters information about it in the Book of State Registration of Credit Institutions and sends:
notification of entering information about the opening of a branch in the Book of State Registration of Credit Institutions (indicating the date of entry) and assigning a serial number to it in the form of Appendix 13
a written notice of the entry of information on the opening of a branch into the State Registration Book of Credit Institutions (indicating the date of entry) and the assignment of a serial number to it - to the territorial office of the Bank of Russia at the place of opening of the branch and to the credit institution;
one copy of the regulation on the branch - to the territorial office of the Bank of Russia at the place where the branch was opened.
11.10. A branch of a credit institution has the right to start banking operations and transactions from the date of entering information about it in the Book of State Registration of Credit Institutions and assigning a serial number.
11.11. A credit institution shall carry out the actions stipulated by a Bank of Russia regulation that determines the procedure for assessing compliance with the qualification and business reputation requirements of persons specified in Article 11.1 of the Federal Law "On Banks and Banking Activity" and Article 60 of the Federal Law "On the Central Bank of the Russian Federation (Bank Russia)", within the period established by this regulatory act of the Bank of Russia. At the same time, a duly certified copy of the power of attorney issued to the head of the branch of the credit institution must be attached to the notice of appointment of a candidate for the position of the head of the branch.
If a power of attorney issued to the head of a branch of a credit institution is replaced, a duly certified copy of the new power of attorney must be submitted by the credit institution (branch) to the territorial agency of the Bank of Russia supervising the activities of the branch no later than ten calendar days from the date of replacement.
11.12. The territorial institution of the Bank of Russia supervising the activities of the branch, on the next business day after the day of receipt of the notification specified in clause 11.11 of these Instructions (notifications from the territorial institution of the Bank of Russia on assigning a serial number to the branch being opened and entering information about it in the Book of State Registration of Credit Institutions - if it is received after receipt of the notification specified in Clause 11.11 of these Instructions), performs the actions provided for by the Bank of Russia regulation that determines the procedure for assessing compliance with the qualification requirements and requirements for business reputation of persons specified in Article 11.1 of the Federal Law "On Banks and Banking Activities "and Article 60 of the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)".
11.13. The credit institution is obliged to notify all creditors of the credit institution that are serviced in the closed branch of the closing of a branch in one of the following ways:
by sending each of them a written notice;
by publishing a message in the media mass media and placing it in places accessible to customers at the head office of a credit institution that has branches, and in all other divisions of a credit institution.
In this case, each foreign client must be sent a written notification.
The charter of a credit institution may provide for a different procedure for notifying customers.
11.13.1. The notice of closing a branch of a credit institution must contain:
an indication of the responsibility of the credit institution for obligations to customers of the closed branch;
information about the number of the correspondent account of the credit institution (correspondent sub-account of its other branch), to which the balances of funds from the accounts of the closed branch are transferred.
11.14. Upon completion of the fulfillment of the obligation stipulated in Clause 11.13 of this Instruction, the transfer of the assets and liabilities of a branch to the balance sheet of the head office of a credit institution with branches, or another branch, a credit institution shall notify the territorial institutions of the Bank of Russia supervising the activities of the credit institution and the branch, in the form of Appendix 11 to this manual.
The following shall be additionally submitted to the territorial office of the Bank of Russia that supervises the activities of a credit institution:
duly certified copy of the document with the decision to close the branch (one copy);
a document confirming the transfer of the assets and liabilities of the branch to the balance sheet of the head office of the credit institution that has branches, or another branch (one copy);
Clause 11.14 of these Instructions, within ten calendar days from the date of their receipt.
If the documents comply with the requirements established by federal laws and regulations of the Bank of Russia, the territorial branch of the Bank of Russia, within the period specified in the first paragraph of this clause, enters information on the closure of the branch in the State Registration Book of Credit Institutions and sends:
a notice on the entry of information on the closure of a branch into the State Registration Book of Credit Institutions (with an indication of the date of entry) in the form of Appendix 14 to this Instruction - to the Bank of Russia;
a written notice of the entry of information on the closure of a branch into the State Registration Book of Credit Institutions (indicating the date of entry) - to the territorial office of the Bank of Russia that supervised the activities of the branch, and to the credit institution.
A branch of a credit institution is its separate subdivision located outside the location of the credit institution and carrying out on its behalf all or part of the banking operations stipulated by the license of the Bank of Russia issued to the credit institution.
The representative office of a credit institution is its separate subdivision, located outside the location of the credit institution, representing its interests and protecting them. The representative office of a credit institution is not entitled to carry out Bank operations.
Branches and representative offices of a credit institution are not legal entities and carry out their activities on the basis of regulations approved by the credit institution that created them.
The heads of branches and representative offices are appointed by the head of the credit institution that created them and act on the basis of a power of attorney issued to them in the prescribed manner.
A credit organization opens branches and representative offices in the Russian Federation from the moment of notification of the Bank of Russia. The notice shall indicate the postal address of the branch (representative office), its powers and functions, information about the managers, the scale and nature of the planned operations, as well as an imprint of its seal and samples of signatures of its leaders. Information about the address and location of branches and representative offices is published by the credit institution and the Bank of Russia on their official websites in the information and telecommunications network "Internet" in the manner established by the Bank of Russia.
(see text in previous edition)
(see text in previous edition)
Branches of a credit institution with foreign investment on the territory of the Russian Federation are registered by the Bank of Russia in accordance with the procedure established by it.
An internal structural subdivision of a credit institution (its branch) is its (its) subdivision located outside the location of the credit institution (its branch) and carrying out banking operations on its behalf, the list of which is established by Bank of Russia regulations, within the framework of a Bank of Russia license issued by the credit institution. organizations (regulations on a branch of a credit institution).
Credit institutions (their branches) have the right to open internal structural subdivisions outside the locations of credit institutions (their branches) in the forms and procedure established by Bank of Russia regulations.
The authority of a branch of a credit institution to make a decision to open an internal structural subdivision must be provided for by the regulation on the branch of a credit institution.
Representative offices of foreign credit institutions opened in the Russian Federation are subject to accreditation by the Bank of Russia in accordance with the procedure established by it. A representative office of a foreign credit institution has the right to carry out activities on the territory of the Russian Federation from the moment of its accreditation by the Bank of Russia.
The Bank of Russia, in accordance with the procedure established by it, carries out the actions provided for by the Federal Law "On Personal Data" for the processing of personal data of the head and deputy head of a representative office of a foreign credit institution opened in the territory of the Russian Federation, and candidates for these positions.
Strengthening the competitive position of a credit institution in the market is implemented, in particular, through the correct choice of its organizational structure, which determines the logical connections between management levels and functional areas; the scope of responsibility and accountability, the relationship between managers and owners, minimizes duplication of functions.
Structural divisions of a credit institution are divided into two groups:
Article 22 of the Law on Banks, following the provisions of the civil legislation of the Russian Federation, defines branches and representative offices of a credit institution, as well as general provisions about them. The procedure for opening (closing) divisions of a credit institution (separate and internal) on the territory of the Russian Federation is regulated in detail by Sec. II instructions of the Central Bank of the Russian Federation dated 02.04.2010 No. 135-I.
1. Branch of a credit organization- its separate subdivision located outside the location of the credit institution and carrying out on its behalf all or part of the banking operations provided for by the license of the Bank of Russia issued to the credit institution. Credit institutions create a branch network, as a rule, in order to expand the geographical base of their activities, attract new customers located in other regions, improve the quality and efficiency of their banking service and, as a result, an increase in the profit of a credit institution.
Branches of a credit institution are not legal entities and carry out their activities on the basis of regulations approved by the credit institution that created them. Information about open branches is included in the charter of the credit institution.
Branch managers are appointed by the head of the credit institution that created them and act on the basis of a power of attorney issued to them.
A credit organization opens branches in Russia from the moment the Bank of Russia is notified. The notification shall indicate the postal address of the branch, its powers and functions, information about the managers, the scale and nature of the planned operations, as well as an imprint of its seal and samples of signatures of its leaders.
The procedure for opening (closing) branches of a credit institution in the territory of the Russian Federation is established by Ch. 11 instructions of the Central Bank of the Russian Federation dated 02.04.2010 No. 135-Y.
Branch of a credit institution opens by decision of its authorized body. Previously, according to paragraph 7 of Art. 333.33 of the Tax Code for the opening of a bank branch, a fee of 20 thousand rubles was paid. However, as of January 1, 2007 federal law No. 106-FZ of July 21, 2005, the regulation on the payment of state duty for opening branches of credit institutions was declared invalid.
A credit organization opening a branch must:
A branch of a credit institution must have a seal containing the full corporate name, an indication of the location of the credit institution, as well as the name of the branch and an indication of its location.
A credit institution sends a notice of the opening of a branch in the form of Appendix 11 to Bank of Russia Instruction No. 135-14 dated April 2, 2010 to the territorial office of the Bank of Russia supervising its activities and to the territorial office of the Bank of Russia at the place where the branch is opened.
Attached to the notice Required documents(I. 11.6 of the instructions of the Central Bank of the Russian Federation dated 02.04.2010 No. 135-I).
In particular, to the territorial office of the Bank of Russia, supervising the activities of a credit institution, the protocol of the meeting of the authorized management body of the credit institution is sent, which records the decision to open its branch and the regulation on the branch, containing its full and abbreviated names, information about its location (address), a list of banking operations and transactions, the right to carry out which is delegated to this branch , service details internal control branch.
To the territorial branch of the Bank of Russia at the location of the branch sent to:
Simultaneously with the above documents, a credit institution may submit to the territorial office of the Bank of Russia supervising its activities documents for state registration of relevant amendments to its charter (their registration is carried out in accordance with the procedure established by Chapter 16 of Instruction No. 135-I).
The territorial office of the Bank of Russia at the place where a branch of a credit institution is opened shall consider the submitted documents within 20 calendar days from the date of their receipt. Within this period, the territorial branch of the Bank of Russia makes a decision on the issue of approving candidates for the positions of the head (his deputies), chief accountant (his deputies) of the branch, prepares an opinion on the compliance of the branch premises for performing transactions with valuables with the requirements established by the regulations of the Bank of Russia.
When a positive decision is made, a territorial branch of the Bank of Russia sends an opinion to the territorial branch of the Bank of Russia supervising the activities of a credit institution, and if a negative decision is made, informs the territorial branch of the Bank of Russia supervising the activities of a credit institution and the credit institution in writing about the need to comply with the relevant requirements established by Bank of Russia regulations.
The territorial branch of the Bank of Russia supervising the activities of a credit institution shall consider the notification and the documents attached to it within one month from the date of their receipt. If the regulation on the branch complies with the established requirements, the charter of the credit institution and the license to conduct banking operations, the credit institution does not have a ban on opening branches, and also if there is a positive opinion of the territorial institution of the Bank of Russia at the place where the branch is opened, the territorial institution of the Bank of Russia exercising supervision over the activities credit institution:
A branch of a credit institution has the right to start banking operations and transactions from the date of entering information about it in the Book of State Registration of Credit Institutions and assigning a serial number.
Within three working days from the actual appointment of an agreed candidate for the position of the head (his deputy), chief accountant (or his deputy) of the branch, the credit institution must notify in writing the territorial office of the Bank of Russia supervising the activities of the branch. The notice shall be accompanied by a duly certified copy of the relevant decision of the authorized management body of the credit institution and a copy of the power of attorney issued to the head of the branch of the credit institution.
The territorial institution of the Bank of Russia that supervises the activities of the branch, on the next business day after the day of receipt of the said notification, sends a message to the subordinate RCC about the possibility of accepting a card with specimen signatures of the head (his deputies), chief accountant (his deputies) of the branch of the credit institution, whose candidatures are agreed with the territorial office of the Bank of Russia.
A branch of a credit organization is opened (closed) by decision of its authorized management body.
The credit institution is obliged to notify all creditors of the credit institution that are serviced in the closed branch of the closing of a branch in one of the following ways:
The notice of closing a branch of a credit institution must contain:
After the credit institution notifies all creditors of the credit institution that are serviced by the closed branch of the closing of the branch, transfers the assets and liabilities of the branch to the balance sheet of the head office of the credit institution or another branch, the credit institution notifies the territorial institutions of the Bank of Russia supervising the activities of the credit institution and the branch. The following shall also be submitted to the said territorial office of the Bank of Russia:
Simultaneously with these documents, documents may be submitted for state registration of relevant amendments to the charter of a credit institution (their state registration is carried out in accordance with the procedure established by Chapter 16 of Instruction No. 135-I of the Central Bank of the Russian Federation dated April 2, 2010).
The date of closure of a branch of a credit institution is the date on which the said notice is sent by the credit institution.
The territorial office of the Bank of Russia supervising the activities of a credit institution shall review the submitted documents within 10 calendar days from the date of their receipt. If these documents comply with the established requirements, the territorial branch of the Bank of Russia within the specified period:
A credit institution has the right to transfer a branch to the status of an internal structural subdivision according to a decision made by its authorized management body. Notification of creditors serviced in such a branch of its transfer to the status of an internal structural unit shall be made by the credit institution in the manner similar to that established for the closing of a branch. In this case, the date of commencement of the activities of the internal structural unit and the date of termination of the activities of the branch is the date of merger balance sheet(transfer of assets and liabilities) of a branch that is being transferred to the status of an internal structural unit and the balance sheet of the head office of a credit institution (a branch that will be subordinate to an internal structural unit) (clause 9.14 of Instructions of the Central Bank of the Russian Federation dated 02.04.2010 No. 135-14) .
In accordance with Art. 35 of the Banking Law, a credit institution holding a general license may, with the permission of the Bank of Russia, create within the territory of foreign state branches.
According to the instructions of the Central Bank of the Russian Federation of August 24, 1998 No. 76-14 "On the specifics of regulating the activities of banks that create and have branches in the territory of a foreign state", branches located in the territory of a foreign state (foreign branches) are separate divisions of authorized banks (on the concept of an authorized bank see § 2, Chapter X), which are created and operate in accordance with the procedure established by the legislation of the Russian Federation, the regulations of the Bank of Russia, as well as the legislation and regulations of the banking supervisory authority of the country of location located on the territory of a foreign state, and are carried out in accordance with the provided authorized the bank with the rights on its behalf banking operations provided for by the license of the Bank of Russia.
Foreign branches of an authorized bank:
For obligations arising from the activities of a foreign branch, he is liable with all his property authorized bank who bears obligations for the branch and can be a plaintiff and defendant in court in his cases.
The Bank of Russia not later than three months from the date of receipt of the relevant application informs the applicant in writing about its decision - consent or refusal. Refusal must be motivated. If
The Bank of Russia did not report decision within the specified period, the relevant permission of the Bank of Russia is considered received.
As of June 1, 2011, Russian credit institutions have opened six branches abroad.
2. Representation of a credit institution- its separate subdivision, located outside the location of the credit institution, representing its interests and protecting them. A representative office of a credit organization is not entitled to carry out banking operations.
Representative offices of a credit institution are not legal entities and carry out their activities on the basis of regulations approved by the credit institution that created them.
A representative office of a credit institution is opened by decision of the management body of the credit institution, which is granted this right in accordance with its charter.
Heads of representative offices are appointed by the head of the credit institution that created them and act on the basis of a power of attorney issued to them.
The procedure for opening (closing) a representative office of a credit institution in the territory of the Russian Federation is established by Ch. 10 instructions of the Central Bank of the Russian Federation dated 02.04.2010 No. 135-I.
A credit institution opens representative offices from the moment of notification of the territorial branch of the Bank of Russia supervising its activities and the territorial branch of the Bank of Russia at the place of opening of a representative office in the form of Appendix 11 to Bank of Russia Instruction No. 135-I dated April 2, 2010. The notification shall indicate the postal address of the representative office, its powers and functions, information about the leaders, the scope and nature of the planned activities, as well as an imprint of its seal and samples of signatures of its leaders.
The notice shall be accompanied by the regulation on representation approved by the authorized management body of the credit institution. The date of opening of the representative office is the date of sending the said notice.
The representative office of a credit institution shall be closed by decision of the management body of the credit institution, which has been granted this right in accordance with its charter. A credit institution shall notify the territorial institution of the Bank of Russia supervising its activities and the territorial institution of the Bank of Russia at the location of the representative office of the closing of a representative office in the form of Appendix 11 to Instruction No. 135-I of the Central Bank of the Russian Federation dated April 2, 2010. The closing date of the representative office is the date of sending the said notice.
Information about representative offices opened by a credit institution shall be included in the charter of the credit institution.
The territorial branch of the Bank of Russia at the location of the representative office of the credit institution, within five working days from the date of receipt of the relevant notification, enters information on the opening (change of details, on closing) of the representative office in the State Registration Book of Credit Institutions.
According to Art. 35 of the Law on Banks, a credit institution that has a general license may, after notifying the Bank of Russia, establish representative offices on the territory of a foreign state. The Bank of Russia not later than three months from the date of receipt of the relevant application informs the applicant in writing about its decision - consent or refusal. Refusal must be motivated. If the Bank of Russia does not inform about the decision taken within the specified period, the relevant permission of the Bank of Russia is considered received.
A credit institution shall, within two working days from the moment of such a change, notify the territorial institution of the Bank of Russia supervising its activities and the territorial institutions of the Bank of Russia at the former and new location of a change in the location (address), telephone and (or) facsimile numbers of a separate subdivision separate division.
As of June 1, 2011, there were 353 registered representative offices of Russian credit institutions in the Russian Federation and 45 representative offices in countries near and far abroad.
The procedure for opening representative offices of foreign credit organizations in the territory of the Russian Federation is established by order of the Central Bank of the Russian Federation of October 7, 1997 No. 02-437 "On the procedure for opening and operating representative offices of foreign credit organizations in the Russian Federation" (for more details, see § 2, Chapter II).
