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Choosing a bank for SP. Settlement and cash services of JSSB "Belarusbank Settlement account in Belarusbank

Introduction

bank cash loan precious

The purpose of the internship is to consolidate the theoretical knowledge acquired at the institute in the specialty "Accounting, analysis and audit in banks", skillfully use them in practice.

The objectives of the practice are to familiarize with the activities of the branch №201 of JSC JSB "Belarusbank" in Vitebsk:

with the structure of the bank;

services offered by the bank to customers;

organization accounting;

registration and accounting, as well as the rules for opening and maintaining bank accounts for legal entities and individuals;

work with securities;

processing of credit transactions;

organization and accounting of the bank's operations with precious metals;

branch loan portfolio;

the procedure for creating a reserve for possible losses;

with the financial condition of the studied organization;

with other operations and services.


1. General information about the bank


1.1 Organizational structure of the bank


In this practice report, we investigate the Joint Stock Savings Bank Belarusbank branch 201 of Belarusbank JSB in Vitebsk.

In accordance with the charter of the Joint Stock Savings Bank "Belarusbank", branch 201 of JSB "Belarusbank" in Vitebsk was established by the decision of the Board of the Bank.

The purpose of the branch is to ensure the development of JSC “JSSB Belarusbank” in a wide range of services provided in the field of retail and corporate business.

The branch operates on the basis of a standard position under the direct organizational and methodological guidance of the regional administration of the Bank, as well as structural divisions of the parent bank.

The branch is not a legal entity, it has the status of a separate structural unit of the Bank.

The National Bank of the Republic of Belarus issued a license to carry out banking operations.

JSB Belarusbank carries out its activities on the basis of the Charter, in accordance with which the following goals are realized:

development of financial relations in the Republic of Belarus;

settlement and cash services, lending to individuals and legal entities;

attraction of free funds to deposits (deposits) and accounts;

attraction of additional resources for investment in economically profitable projects for the development of vital sectors of the economy of the Republic of Belarus;

stimulating investment in the Belarusian economy;

assistance to integration processes in the field of international financial relations;

active participation in promising projects aimed at solving economic and social problems;

Receiving a profit.

The current activities of the branch are managed by the director, who acts on the basis of a special power of attorney issued to him by the Bank. The director of the branch ensures the implementation of decisions of the Board of the Bank, regional administration; pursues a unified policy of the Bank in the field of financing and lending; approves regulations on structural divisions of the branch, submits for consideration by the management of the regional administration issues related to ensuring the operational and economic activities of the branch, establishes the operating mode of the branch and its structures.

As of July 26, 2011, the branch structure (Figure 1) consists of 2 centers, 11 departments, 4 services, 33 branches (19 branches are located in urban areas, 14 - in rural areas), as well as 35 branches of the RUPS that receive funds in Belarusian rubles in deposits.


1.2 Banking products and services


To achieve the goals determined by the Charter, in accordance with the legislation of the Republic of Belarus, the National Classifier of Species economic activity Of the Republic of Belarus and on the basis of licenses of the National Bank of the Republic of Belarus, the Bank carries out the following banking operations:

· attraction of funds of individuals and (or) legal entities in deposits (deposits);

· placement of attracted funds on its own behalf and at its own expense on terms of repayment, payment and urgency;

· opening and maintaining bank accounts of individuals and legal entities;

· providing settlement and (or) cash services to individuals and legal entities, including correspondent banks;

· currency exchange operations;

· issuance of bank guarantees;

· trust management of funds;

· collection of cash, currency and other valuables, as well as payment documents (payment instructions);

· issuance of banking plastic cards;

· financing on concession monetary claim(factoring);

· providing individuals and legal entities with special rooms or safes located in them for storing documents and valuables (cash, securities, etc.);

· operations with securities;

· lending to legal entities, individuals and individual entrepreneurs;

· international money transfers Western Union, BLIZKO;

· "Strizh" money transfers;

· operations with precious metals: sale and storage of commemorative coins made of precious metals.

· sale of lottery tickets and payment of winnings on them.

The Bank carries out the following activities in accordance with the National Classifier of Economic Activities of the Republic of Belarus:

· insurance mediation (activity insurance agent);

· intermediary, commercial, consulting and depository activities, trust management of securities on the basis of a license from the State Committee on Securities of the Republic of Belarus and the consent of the National Bank of the Republic of Belarus;

· renting out own real estate.

The Bank is entitled to carry out activities subject to licensing only upon receipt of a permit (license) from the National Bank of the Republic of Belarus or other authorized state bodies of the Republic of Belarus.


2. Registration of transactions for settlement and cash services of clients


The settlement and cash department, together with the corporate business department in the branch, is working on servicing legal entities and individual entrepreneurs (opening accounts, settlement and cash services).

Opening of accounts is carried out on the basis of regulatory enactments, such as: Regulations "On the procedure for opening and closing accounts for legal entities and individual entrepreneurs", Resolution of the NBRB of April 3, 2009 and Presidential Decree No. 1 of January 16, 2009.

To open a current account, legal entities must submit:

.an account opening application signed by a person authorized to open an account;

.a copy of the articles of association (articles of association - for commercial organization, acting only on the basis of the constituent agreement), which has a stamp confirming the state registration - for a legal entity;

.a copy of the certificate of state registration - for an individual entrepreneur;

.a card with samples of signatures of officials of a legal entity, an individual entrepreneur who have the right to sign documents for making settlements, and a seal imprint.

.other documents provided for by this Regulation and legislative acts.

If a client opens a current account for the performance of transactions by his separate subdivision, an entry is made about this in the application for opening an account, indicating the full name and location (address) of the separate subdivision.

The basis for opening a current account is a current account agreement - a standard form of a current (settlement) bank account agreement in Belarusian rubles and foreign currency.

JSC "ASB Belarusbank" also opens sub-accounts, special, charitable, temporary, correspondent, deposit and other accounts.

Settlement and cash services are carried out by the bank's operational department on the basis of the current legislation and the relevant agreement between the parties in accordance with the current commission rates.

Connection to the electronic payment system "Client-Bank". As of July 26, 2011, the system was installed to 275 clients, with a plan of 260. Own e-mail network significantly increases the speed of information processing and allows the parties to transmit and receive the following documents:

in client-to-bank mode:

· payment orders in national and foreign currencies;

· translation application;

· orders for the purchase and sale of foreign currency;

· currency conversion requests;

· text documents of any content;

in bank-to-client mode:

· statements of the client's account;

· foreign exchange rates;

· information about the current state of the account;

· posting archive data.

The electronic signature of the client and a special encryption algorithm are used to identify the transferred payment documents, which guarantee the accuracy and confidentiality of information.

In the past year, work was carried out to increase the share of customers' payment instructions transmitted in electronic form in the total volume of document flow. As of 01.01.2011, the share of electronic document flow in the branch amounted to 98.2%, with a planned indicator of 78%.

The formation of a package of documents for closing customer accounts at a bank institution is carried out by the corporate business service.

The current account can be closed:

.at the request of the client;

.in the absence of funds on this account within three months from the date of the last debiting of funds from it;

.in the absence of entries on the account within three months, if it is determined by the agreement;

.in case of exclusion of the client from the Unified State Register of Legal Entities and Individual Entrepreneurs;

.in other cases stipulated by legislation and (or) agreement.

Payment of interest for the use of funds on the account, as well as currency revaluation and other intra-bank account transactions do not affect the closure of the account.

The institution of the bank independently determines the need to close the account due to the lack of funds in this account, the absence of entries on the account for three months.

For legal entities there is such a service as making investments in deposits in Belarusian rubles and foreign currency.

Types of deposits in the bank - urgent and on demand. The terms of the deposit are determined by the contract and depend on the amount and terms of placement. At the request of the client deposit agreement payment of interest may be envisaged - monthly, quarterly, as well as at the end of the deposit storage period.

The main form of non-cash payments is currently a bank transfer. Debit and credit transfers are distinguished depending on who initiates the payment. In a debit transfer, the initiator of the payment is the beneficiary, that is, the recipient of the funds; this transfer is formalized by payment requests, checks. In case of a credit transfer, the initiator is the payer. In this case, payment orders, payment orders-orders are drawn up.

When making debit transfers through payment requests, an acceptance or non-acceptance form of payment is used. Acceptance means the prior consent of the payer, and the non-acceptance form is used when debiting funds from the payer's account without his consent. The payment request is drawn up by the beneficiary and submitted to the bank serving him for collection. When accepting payment requests from the client for collection, the responsible executor of the receiving bank checks the correctness of the payment request, and then sends it to the sending bank. When payment requests are received by the sending bank, the responsible executor checks the correctness of the payment request in terms of filling in the required details. Also, payment requests must be verified against the declaration of acceptance. Claims accepted by the payer are paid on the day they are received by the sending bank:

When making credit transfers, payment orders and payment orders are drawn up. The payer issues a payment order and submits it for execution to the servicing bank.

If the accounts of the payer and the beneficiary are served by different banks, the transfer is made through correspondent (sub-correspondent) accounts.

The procedure for performing operations on deposits of individuals in Belarusbank JSB OJSC is carried out in accordance with Regulation 75.6 of 08/01/2011.

To carry out operations on deposits, the structural divisions of the branch use forms of a single form, made by typographic method, as well as using software and hardware, provided that the name, content and order of the columns, lines and text of the forms are preserved.

The bank deposit agreement must be concluded in writing.

Failure to comply with the written form of the bank deposit agreement entails its invalidity from the date of the conclusion of this agreement.

The form of the agreement and the terms of the bank deposit for each type of deposit is approved by the authorized body of the bank .

The electronic form must contain the details of the document certifying and confirming the identity (for deposits in the name of another person, additionally - the details of the document certifying and confirming the identity of another person), which are entered during the first deposit operation and are not subsequently displayed on the monitor screen.

The opening of a deposit account is carried out upon presentation of an identity document.

The opening of a deposit account is carried out at the time of the conclusion of a bank deposit agreement, which is drawn up in two copies (when opening an account for another person - in three copies).

The bank deposit agreement is signed by the depositor, and on the part of the bank - by an authorized employee who has a power of attorney to perform such operations. One copy of the agreement is issued to the depositor, and the other is sent to the file of cases for opening accounts, or to the accounting service of the branch (for rural departments that work without additional control) .

According to the Terms of Deposits, the depositor has the possibility of additional contributions, expenditure (with partial withdrawal - if provided by the agreement) operations and withdrawal of accrued income. Also, the depositor can use the service of drawing up a power of attorney and testamentary disposition, to accounts opened with a bank .

Closing an account is carried out on the basis of an application for closing an account .

For registration of deposit transactions made by non-cash means, payment orders made in cash are used - incoming and outgoing cash documents.

The safety and return of attracted funds of individuals is guaranteed in accordance with the Decree of the President of the Republic of Belarus No. 22 dated 04.11.2008 “On guarantees of safety of funds of individuals placed on accounts and (or) bank deposits (deposits)”.


3. Registration of loans and other active transactions with clients


The bank's credit policy for 2011 formed the main directions in the field of active operations of legal entities and the population.

Bank lending plays a key role in economic processes taking place in the Republic of Belarus. This role is determined by the scale of banks' lending activities, as well as the variety of its forms and directions. In modern conditions Bank loan is used as the most important source of financing for investment in the real sector of the economy and housing construction, the purchase of durable goods by the population, and the development of entrepreneurial activity.

Interest income from active operations in branch No. 201 of JSC “JSSB Belarusbank” in 2010 was received in the amount of 29.8 billion rubles, which is almost 2 times higher than the volume of similar income in 2009. Their share in the bank's total income increased to 67.3% from 45.6%. Credit support the bank is used by 37 legal entities and one individual entrepreneur.

Income from lending to legal entities was received in the amount of 23.5 billion rubles, or 53.5% of the total amount for the branch.

Interest income from lending to individuals was received in the amount of 3.8 billion rubles, the plan was exceeded by 17.9 million rubles. The growth rate of income from private clients was 134.1%.

The branch's loan portfolio for loans to individuals as of 01.01.2011 was formed in the amount of 29.9 billion rubles, including 27.6 billion rubles at the expense of the bank's resources, of which in national currency - 22.3 billion rubles, in US dollars - 1.8 million. The share of loans to the population in the loan portfolio of the branch as of 01.01.2011 amounted to 12.1%.

The number of credit agreements as of 01.01.2011 was 6145. During the year, 1482 credit agreements were executed, 3230 agreements were repaid. Of the total, 214 contracts were drawn up for real estate, and 1268 for consumer needs.

Fee and commission income on loans to the population for the analyzed period received 202.1 million rubles, while the plan was 241.3 (83.8%).

Overdue debt on loans to the population amounted to 9.1 million rubles. for 34 borrowers, which is 6.7 million rubles. less than last year.

The basis for starting work on considering the issue of issuing a loan to an organization is the applicant's submission to a bank institution of a written application for a loan, signed by the applicant's manager and containing initial data on the requested loan amount, purpose, repayment terms, interest rate and the proposed provision.

After consideration by the head of the bank institution, the application is sent to the corporate business service (credit service) of the bank institution to form a package of documents for issuing a loan and to the security service to check the reliability of the applicant.

The loan officer acquaints the applicant with the procedure and conditions for granting a loan.

To consider the issue of the possibility of issuing a loan by a bank institution, the applicant provides a package of documents:

A letter addressed to the Head of the bank institution on the provision of a loan indicating the direction of use of funds, the terms of use and the amount of the loan, the interest rate, the proposed method of collateral (registered in the book of incoming correspondence of the bank institution).

Applicant's questionnaire of the established form .

Financial and accounting statements: annual balance sheet with all attachments to it, the balance sheet as of the last quarterly date; profit and loss statement for the last quarterly date; deciphering of accounts receivable, accounts payable, goods shipped to the balance sheet as of the last quarterly date (indicating the amount, date of shipment); statements of accounts opened with other banks for the last three months; certificate of the presence of a card index on off-balance sheet account 99814 "Settlement documents not paid on time"; a certificate of the availability of loans (other active operations) received from other banks as of the date of the agreement; data on the receipt and use of foreign exchange funds (when issuing a loan in foreign currency); measures for financial recovery (for legal entities working with losses).

Document defining accounting policy enterprises.

An extract from the decision of the board of directors (Supervisory board) or an extract from the decision of the general meeting of participants in a business company on a major transaction.

A copy of the license to carry out certain types of activities, certified in accordance with the established procedure.

Copies of documents, certified in accordance with the established procedure, confirming the reality of the credited transactions and forming a portfolio of orders: agreements, contracts with suppliers of goods / services; acceptance certificates; customs declarations / invoices; commodity transport and consignment notes; invoices; protocols of intent;

Documents for securing credit obligations depending on the form of collateral.

Program (technical, economic and financial indicators) for the development of the enterprise for the credited period .

Cash flow calculation.

Forecast of income and expenses.

Application for payment of payment claims of a bank institution in the order of preliminary acceptance on the day they are received by the bank.

When considering the issue of granting a loan to an applicant whose current account is opened at a bank institution, the constituent documents that are in the case of a legal entity for opening accounts are used.

At the discretion of the bank, other documents may be requested confirming the applicant's ability to repay the loan in a timely manner, as well as the solvency of the guarantor or surety.

A copy of the applicant's questionnaire, completed in accordance with the established procedure, is sent to the security service of the bank institution.

The security officers of the bank institution establish the actual and legal address, check the applicant's reputation in the business world and other issues related to the reliability of the legal entity. If facts are established that indicate the impossibility of providing the applicant with a loan, the security service employees within 3 working days from the moment the applicant's application is received by the bank institution, a memorandum is drawn up, which is submitted to the head of the bank institution for making a decision on further consideration of the applicant's documents.

At the discretion of the chairman of the credit committee of the bank institution, the period for consideration of the application can be changed, depending on the degree of complexity of the issues being checked.

If the management of the bank institution, on the basis of the analysis carried out by the security service (without submitting the issue to the credit committee of the bank institution), a decision on the inexpediency of the transaction, further work on studying its conditions is terminated, and the applicant is notified in writing of the refusal to issue a loan, indicating the reasons refusal.

In case of doubts about the reliability of the documents or if additional analysis of the information provided is necessary, the loan officer of the bank institution, before issuing a loan directly with access to the enterprise, checks the status of accounting, the reliability of the balance, the actual availability of the credited inventory and clarifies other issues that arose in the course of studying the submitted documents.

When determining the size of the loan, conducting financial analysis, internal local acts are used: recommendations for analyzing the sources of formation of the organization's working capital and determining the need for working capital, recommendations for the financial analysis and solvency of business entities, recommendations on the procedure for the implementation of Belarusbank JSB of active banking operations with interconnected legal entities and individual entrepreneurs.

The assessment of the client's creditworthiness is aimed at identifying objective results and trends in his activities in order to prevent or minimize the negative consequences for the bank of issuing a loan to this client. In each case, the bank determines the degree of risk that it is willing to take on and the amount of credit that can be provided.

Based on the results of the analysis, the solvency class of the enterprise is determined in accordance with the recommendations for the rating assessment of organizations.

The verification of the applicant's legal capacity is carried out by the legal service of the bank institution on the basis of the following documents:

constituent documents with all amendments and additions, in which attention should be paid to the correct spelling of the full and abbreviated name of the organization, its legal address, to the powers of the governing bodies in terms of concluding credit agreements, contracts, disposing of the property of a legal entity;

certificates of state registration.

To establish the powers of the head (another authorized person), the bank institution is provided with a contract concluded between the employer and the head of the legal entity, or a power of attorney, according to which the authorized person of the legal entity is granted the right to sign contracts, a copy of the order on the appointment of the head and certificates of the head ...

The legal service (legal adviser) checks the compliance of the contracts (agreements) submitted for lending, including agreements (contracts) for implementation, including contracts (agreements) presented during the lending period under credit (including renewable) lines, legislation of the Republic of Belarus.

The legal service, within 3 working days from the moment the applicant submits a full package of necessary documents to the bank institution, draws up an opinion on the results of the verification for the conformity of the form and content of the documents submitted by the applicant to the current legislation, which is submitted to the chairman of the credit committee of the bank institution.

The generated package of documents is sent to the security service for the preparation of an opinion. In conclusion, the security service reflects the actual and legal address of the applicant, the fact of registration of a legal entity and registration with the registering and tax authorities, the applicant's reputation in the business world, the relationship of the legal entity with the owner (lessor) for the timely payment of rent, the presence of property claims and debts, fulfillment of obligations on previously received loans, including those obtained from other banks, as well as a number of other positions at the discretion of the security service, which subsequently may affect the timeliness of the loan and interest on it. The conclusion is prepared within 3 working days from the date of submission of the package of necessary documents and is submitted for consideration to the chairman of the credit committee of the bank institution.

Analysis and evaluation of the loaned project.

When analyzing the project to be credited, the specialist of the credit service first of all analyzes the correspondence of the purpose of the requested loan to the nature of the statutory activity of the legal entity, studies the previous experience of the legal entity with similar projects, the technological feasibility of the project (provision of production facilities, material and labor resources), identifies the main problems and risks that may affect the implementation of the project, economic efficiency project, availability of contractual and legal support.

The study examines contracts (agreements), consignment notes, customs declarations, other documents confirming the reality of the credited transaction, and contracts (agreements) for implementation, confirming the sources of loan repayment.

The verification of the compliance of the submitted contracts (agreements) with the currency legislation of the Republic of Belarus is carried out by the currency operations service, with the preparation of a corresponding conclusion.

At the stage of pre-contractual preparation of the loaned project, the credit service, together with the interested services of the bank, offer clients the most optimal schemes calculations, etc.

Loan repayment terms are set:

taking into account the payback period of the credited project or other economically justified period for the implementation of the credited project;

based on the schedules for the receipt of lease payments in accordance with the financial lease agreement;

for legal entities carrying out production activities - based on the production cycle of processing inventory (purchases, receipts, processing) and sales finished products;

for legal entities engaged in trade and supply and marketing activities - taking into account the turnover current assets and receipts of proceeds from the sale of goods;

for legal entities engaged in activities non-productive nature, - based on the contractual terms for the sale of products, the provision of services and the receipt of proceeds (taking into account the economically justified terms of this transaction).

Interest for the actual time of using the loan is accrued in accordance with the Bank's Accounting Policy and is paid on time and in the amount according to the terms of the loan agreement. The credit service of the bank institution exercises control over the completeness and accuracy of the accrual of interest for the use of the loan.

The way to secure the fulfillment of a loan obligation may be:

.Surety (guarantee).

.Security deposit of money.

.However, the most acceptable way for a branch, from the point of view of employees, is a pledge.

The borrower provides a list of the property offered as collateral, the department staff checks the actual availability of the specified collateral. If the object of inspection is at a considerable distance, then there is an opportunity to organize an inspection by another nearby structural subdivision of JSC “ASB Belarusbank”. Based on the results of the audit, a conclusion is drawn up on the possibility of including the borrower's property as security for the fulfillment of obligations under the loan agreement. In case of a positive decision, a pledge agreement is drawn up.

Upon revealing the facts of sale, loss, damage to property pledged as collateral, the bank has the right to demand the restoration (replacement) of the collateral or early repayment of the loan (the relevant part), regardless of the term.

When conducting a subsequent verification of the intended use with an exit to the site, the loan officer verifies the data of the paid payment documents of the borrower, the submitted agreements (contracts), consignment notes and other documents confirming the receipt of inventories, acts of work performed with the data of primary accounting, warehouse accounting and the actual availability of credited inventory items, performance of work.

The basis for starting work on considering the issue of issuing a loan to the population (for consumer needs) is the submitted application form for a loan , for a loan using a bank plastic card and a certificate of income of the borrower, in the established form, for the last three months , as well as an identity document of a person registered at the place of residence (stay) and having a permanent source of income in the Republic of Belarus.

The forms, practically used in work, of securing the fulfillment of obligations under a loan agreement, in contrast to lending to legal entities, are surety and forfeit.

Further, the borrower provides information on the average monthly income and the amount of deductions made by his guarantors. Consents to the provision of a credit report to AISKB (automated Information system commercial banks).

It is also possible to issue loans to individuals who are individual entrepreneurs. This category of citizens must provide the following package of documents:

· income statement or statement tax office on the payment of taxes for the reporting period (calendar year or other period in respect of which the amount of income is confirmed)

· information on the income of an individual entrepreneur of the Republic of Belarus who is a single tax payer.

At the stage of consideration of the package of documents, the credit service for the population (retail business) carries out an adequate assessment of the reliability and creditworthiness of borrowers who are individual entrepreneurs, taking into account the duration of entrepreneurial activity, the established business reputation, the cost of doing business and other indicators. It is prohibited to provide loans to individual entrepreneurs who have tax arrears, arrears on active banking operations or have cases of systematic breach of obligations on active banking operations.

The loan officer submits the submitted package of documents to employees of the security and legal services for review and verification of the authenticity of the information provided. Employees of the security and legal services sign the application form indicating the date of receipt.

In addition to a loan for consumer needs, there is the possibility of obtaining other loans (targeted), along with the standard package, there are others. Required documents:

· to pay for medical care and services, the purchase of medicines, medical equipment and devices:

· on the Spa treatment, recreation and tourism:

· to study in higher and secondary specialized educational institutions.

· for the improvement of burial sites, including the purchase and installation of a monument (fence).

From the data provided by the borrower, his solvency is determined.

Before concluding a loan agreement, the applicant is provided with information in writing about the terms of lending and the full interest rate for using the loan.

After a positive decision to issue a loan, on the basis of the minutes of the meeting of the credit committee, the employee of the public lending service:

draws up two copies of the loan agreement , in the case of a plastic card, the rules for using a credit card and an agreement to ensure the fulfillment of obligations are additionally drawn up.

If the credit committee of the Bank's institution makes a negative decision to issue a loan, the decision of the credit committee shall formulate the reasons for refusing to issue a loan. An employee of the consumer lending service in a notification (letter) signed by the head of the Bank's institution (or an authorized official) informs the applicant of the refusal to provide a loan. Copies of the documents submitted by the borrower for a loan, the issuance of which was refused, is kept in the consumer lending service for one year.

In addition to concessional lending for studies in higher and secondary educational institutions, branch 201 can issue other concessional loans:

· for gasification with natural gas;

· young professionals;

· concessional consumer lending;

· for the construction or purchase of residential premises.

A fee is charged for operations performed by the branch to arrange loans according to the collection of remuneration.


4. Registration of bank operations with precious metals


To receive measured ingots in the branch number 519, the bank institutions submit an application for management money circulation department for work with values ​​according to the "Client-Bank" system. Applications in hard copy signed by the head (a person authorized by him) and the chief accountant (a person authorized by him), sealed with the seal of the bank institution, are stored in the bank institution in accordance with the nomenclature of cases.

Department for work with valuables on the basis of applications of the institutions of the bank and the department currency control and financial monitoring Y submits to the National Bank of the Republic of Belarus an application of an arbitrary form, which indicates: the name and type of precious metal, the weight in the ligature (nominal weight) of the ingots and their number. In addition, an entry is made in the application that the receipt of measured ingots will be made through the collection service of branch No. 519. The application is signed by the Deputy Chairman of the Management Board of the Bank.

After receiving an invoice from the National Bank of the Republic of Belarus, the department for work with valuables prepares a memorial order with additional details in two copies signed by the director (deputy director) of the department for work with valuables and the Deputy Chairman of the Management Board of the Bank, for the transfer of funds for purchased measured ingots ... Memorial warrants with additional details together with the invoice are transferred to OPERA for the transfer of funds to the account of the National Bank of the Republic of Belarus. Funds must be transferred to the account of the National Bank of the Republic of Belarus no later than one business day after the day of issuing the invoice.

On the day of receipt of a memorial order with additional details, the Department for Work with Valuables prepares an order for branch No. 519 to receive measured ingots from the National Bank of the Republic of Belarus.

The release of measured ingots to the institutions of the bank by the branch No. 519 is carried out at the book value in the order.

For the issuance of measured ingots to bank institutions, the head of the foreign exchange office of the branch No. 519, on the basis of orders, draws up a specification in two copies signed by the persons responsible for the safety of valuables and certified by the seal of the head of the foreign exchange office of the branch No. 519, and also draws up an accompanying sheet f. 0402090007 Appendix 19 to Instruction No. 211) in triplicate for each bank institution (subdivision of the bank institution) to which the measured ingots are delivered. The first copy of the specification, together with the order, is filed in the cash documents of the day for operations with precious metals of Branch No. 519. The third copy of the cover sheet f. 0402090007 is filed in the cash documents of the day of branch No. 519.

Measured ingots together with the second copy of the specification are put into cash-in-transit bags or canvas bags separately according to the type of metal and according to the institution of the receiving bank.

The purchase and sale prices of the bank of measured ingots are established and changed on the basis of the order of the head (deputy head) of the bank institution and are valid until their new values ​​come into force.

The purchase and sale prices by the bank institution of measured ingots are set in Belarusian rubles for 1 gram of precious metal in ligature and (or) for an ingot of a specific denomination.

The calculation of prices for precious metals in the form of measured ingots is carried out in Belarusian rubles with rounding.

The profit included in the sale price is determined on the basis of the established rate of return to the planned costs associated with the acquisition and sale (excluding the purchase price of precious metals by the bank institution).

The selling price of measured ingots may not exceed the maximum permissible deviations from the sale price of the National Bank of the Republic of Belarus of measured ingots for transactions with legal and individuals.

Copies of the orders "On setting the purchase and sale prices for measured ingots of precious metals" are stored in the operating cash desk, which performs operations with measured ingots, in a separate folder for a month.

In the case of the sale of measured ingots with payment for cashless payments, with the exception of payment using a bank plastic card, the client (representative of the legal entity) submits an application f. 0402250013.

The client presents to the responsible executor an application, a passport and a power of attorney for the right to receive measured ingots (for a representative of a legal entity), as well as a payment order for the transfer of funds with the Bank's mark on the transfer. The responsible executor, having ascertained the identity of the recipient, checks the accepted documents and draws up an expenditure cash order f. 0402540102 in the number of copies sufficient to carry out transactions on all affected accounts, and also makes a mark in the application for the availability of payment. Draws up consignment notes (TTN-1) or consignment notes (TN-2) for measured ingots to be issued to a representative of a legal entity, while the “Note” column indicates the purpose of purchasing measured ingots. Expense cash order f. 0402540102, an application with a mark, a power of attorney, a waybill (TTN-1) or a waybill (TN-2) are transferred to the head of the cashier.

The manager of the operating cash desk, on the basis of the client's application, the consignment note (TTN-1) or the consignment note (TN-2), prepares the measured ingots for sale.

The representative of the legal entity and the manager of the cashier sign the invoice form TTN-1 or the invoice form TN-2, after which the measured ingots together with the first copy (copies) of the invoice form TTN-1 or the invoice form TN-2 are transferred to the client.

The second copy of the consignment note form TTN-1 or the consignment note form TN-2, cash invoice f. 0402540102, the client's power of attorney remains with the manager of the cashier, and then filed into the cash documents of the day for precious metals.

In confirmation of the sale of measured ingots for non-cash payment, with the exception of payment using bank plastic cards, the client is issued a receipt from the book with sets of receipts for the execution of banking operations with precious metals f. 0402380014.

The sale of measured ingots for cash and using bank plastic cards is carried out using special computer systems in accordance with the legislation of the Republic of Belarus. The cashier, having received Belarusian rubles from the client, as well as in the case of payment using bank plastic cards, prints a check, the check number is registered in the register of sold precious metals, the check is issued to the client along with a measured ingot and a quality certificate of the manufacturer as confirmation of the sale. The register is kept separately for each denomination of the precious metal; it is allowed to keep the register in electronic form.

The storage of the register in the form of an electronic document is carried out in the archive of electronic memorial documents.

At the end banking day reconciliation of operations for the sale of measured ingots, their balances with accounting data is carried out. The purchase from the client is subject to measured ingots that meet the standards of the state-producer of ingots, with the abbreviation of the National Bank of the Republic of Belarus, with a quality certificate of the manufacturer.

The cashier, making a purchase from a client of measured ingots, conducts their expertise. All weighing operations and examination of measured ingots are carried out in the presence of the client.

In the process of carrying out the examination and until the moment the money is issued to the client, the measured ingots are not returned to him.

If, based on the results of the examination, a negative conclusion is made on the measured ingot, then it is not bought, but returned to the client.

If a positive conclusion is made based on the results of the examination, the cashier calculates the value of the measured ingot.

Payment for purchased measured ingots from legal entities and individuals by bank transfer, except for payment using bank plastic cards, in the manner prescribed by the legislation of the Republic of Belarus on the basis of a client's application (for a representative of a legal entity) indicating the name, type of precious metal, number of pieces, their bank details, unit price of precious metal in accordance with the order of the bank institution "On the establishment of prices for the purchase and sale of measured ingots of precious metals" on the date of filling.

In confirmation of the purchase of measured bars for non-cash payment, with the exception of payment using bank plastic cards, the client is issued a receipt from the set of receipts f. 0402380014.

When buying measured ingots for cash, the cashier receives, in the established manner, cash from the manager of the cashier against a receipt in the accounting book f. 0402380124.

Purchase of measured ingots for cash and using bank plastic cards is carried out using special computer systems. When buying measured bars, a check is printed, the check number is registered in the register column, which is kept separately for each name of precious metals. Then the cashier issues a check to the customer and settles with him.

According to the results of the work of the branches of branch 201 of JSC “JSSB Belarusbank” in 2010, an income in the amount of 24.3 million rubles was received from operations with measured ingots of precious metals. and sold 3081 grams of gold and 2090 grams of silver. The growth rate was 59.8 (income for 2009 - 40.6 million rubles and 5180 grams of gold and 3030 grams of silver were sold).


Bullion sales and revenues for 2009 and 2010

Branch number Gold sold, grams 2009 2010 Silver sold, grams 2009 2010 Sales proceeds 2009 2010201114928510705308 391 1862 235 826201 / 80309-513 280365 620201/8529410998608103 362 7708 815 580201 / 8617848--987662006401 140201 / 8617848--987 6706404101 140201 321 310201/11059715210104 707 2802 021 490201/181 ---- 00201/652 --- 953 1800 Total 518030813030209040 613 40624 308 546

Based on the results of the work of the branches in June 2011, an income in the amount of 0.2 million rubles was received on operations with measured ingots of precious metals. and sold 20 grams of silver (income for June 2010 - 2.21 million rubles and sold 233 grams of gold).

Based on the results of the work of the branches in the 1st half of 2011, an income in the amount of 86.0 million rubles was received from operations with measured ingots of precious metals. and sold 3099 grams of gold and 600 grams of silver. The growth rate was 956.6 (income for the 1st half of 2010 - 8.99 million rubles and 1018 grams of gold and 530 grams of silver were sold).


Sales of measured bars and income for the 1st half of 2010 and 2011.

Branch number Gold sold, grams 2010 2011 Silver sold, grams 2010 2011 Sales proceeds 2010 20112019573100-1 261 0562 600 030201 / 80118--27 180689 330201/8533512012101902 994 96032 132 640201 / 86-150 --- 5 088 110201/106362110023012810 6801 991 4 720201 / 107158306-1501 451 8207 440 300201/1106724410801 268 8108 683 670201 / 181-7 --- 747 690 Total 101830995306008 995 25685 992 490


Tags: Activity of JSC "ASB Belarusbank" Practice report Banking

April 22, 2014 28058

While gaining “Consumer experience” in Brest, we went to Belarusbank to open a current account. And then you never know, someone wants to transfer money to us.

Branch No. 156 of branch 100 of JSC "ASB Belarusbank" in Brest occupies the second floor of the building at the corner of Mitskevich and Karbyshev streets. The place is lively and crowded, next to the bus station, the city market, the pedagogical university.

Wednesday noon.

Relatively recently, the department underwent a radical reconstruction, after which the premises of an ordinary Soviet savings bank were transformed into a modern operating room, equipped with everything necessary for working with clients. Separate booths, an electronic queue, information kiosks, tables and soft sofas for waiting, decorative mirrors and eye-catching two-tone wavy curtains with an unusual design.

Right at the entrance there is a table at which a consultant is on duty. In general, everything is convenient and nice.

Who goes where, and we go to the bank

Having received the ticket from the electronic terminal, I find out that there are twenty-four people ahead of me in line, and I land on the sofa. For this department, there are relatively few visitors, but you will have to wait, especially since four out of six booths work.

To the "leading specialist in the provision of retail banking services»I was invited exactly half an hour later. To open an account, the specialist needed my passport and a certain minimum amount to be deposited into the account.

Then we figured out how a current account differs from a deposit, which one I want to open and, finally, that no amount is required in my case.

Printed in small print, the contract was three pages long. I unwittingly drew attention to force majeure circumstances that can prevent us and the bank from properly fulfilling our obligations, except for fires, earthquakes and other natural Disasters, relate "War and martial law".

It seems that earlier in such documents the word "war" was not mentioned. And even now it would not be worth it, given that a rather detailed list of all sorts of misfortunes "Not exhaustive".

But in principle, when performing such a routine procedure as opening a current account, no specific questions arise, except for one. I need an invoice, first of all, to receive payment for the work done, and main question:

- How can you find out that the money has been credited to the account?

- You need to come to the bank and ask.

- Couldn't it be otherwise, for example, SMS-banking?

- It is impossible, the SMS-banking service is provided only to the owners of plastic cards. Do you know how many accounts we have open? Thousands!

- But there are probably no less owners of plastic cards. Is it possible to get information about the receipt of money by phone?

- It is possible, but when there is a lot of work, we do not pick up the phone.

Hmmm. Going to the bank to make sure that there is no money after waiting in line for half an hour is a dubious pleasure and an unpleasant hint that my time is worthless. In addition, this department also has two days off.

The "leading specialist" is young and "blonde", but I am old, gloomy, in appearance - not an oligarch (in terms of content, unfortunately, too). It feels like I'm starting to annoy her. Well, that I, in fact, stuck to her, because the problem of tracking the state of current accounts is typical for all banks, at least in Brest.

Tomorrow I will call the specified phone number. I hope that the phone will be picked up ...

Can't remember your password or username? Current settlement charity accounts in Belarusian rubles. Current settlement charity accounts in foreign currency. Deposit accounts in Belarusian rubles. Deposit accounts in foreign currency. Operations on accounts of FL using a PC. Operations with deposit accounts Family capital. Payment of money wed-in on Internet deposits. Execution of powers of attorney and testamentary dispositions. Transactions in Belarusian rubles on temporary accounts of individuals.

Conducting transactions in foreign currency on temporary accounts of individuals. Accompanying participants in the construction savings system. Execution of transactions within the framework of the complex product "Free choice". Crediting of all types of earnings from wages and other incomes to the current settlement, charitable, temporary deposit accounts of individuals.

CLIENT-BANK Belarusbank system

Settlement and cash services for legal entities, individual entrepreneurs. Acceptance of cash Belarusian rubles from legal entities of individual entrepreneurs from the sale of goods, provision of services, performance of work, for other payments with subsequent crediting to their current ones. Issuance of cash to legal entities and individual entrepreneurs in Belarusian rubles in foreign currency. Acceptance of cash from legal entities of individual entrepreneurs in foreign currency.

Acceptance of payments in cash in Belarusian rubles from legal entities of individual entrepreneurs in payment for goods, works, services, and other payments with subsequent crediting to the current settlement accounts of others. Acceptance of cash Belarusian rubles from legal entities of individual entrepreneurs from the sale of goods, the provision of services, the performance of work, for other payments and other purposes of contribution, credited to.

Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs. Acceptance of payments and contributions in foreign currency from individuals in favor of legal entities, individual entrepreneurs. Acceptance of payments in Belarusian rubles from individuals in payment of reimbursement of funds spent by JSC ASB Belarusbank and the United Trade Union Organization JSC ASB Belarusbank.

Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs, with the exception of payments in favor of operators mobile communications... Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs, with the exception of payments in favor of Internet providers. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs, with the exception of payments in favor of mobile operators, Internet providers.

Acceptance of payment for roads, traffic fines. Acceptance of funds in Belarusian rubles from individuals for the purchase of securities. Payments of the FL to the BR for credit and bank services. Payments to FL in IV for credit and bank services. Acceptance of funds in foreign currency from individuals for the purchase of securities.

Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs using a bank payment card. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs, with the exception of payments in favor of mobile operators using bank. Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs, with the exception of payments in favor of Internet providers, using the bank.

Acceptance of payments and contributions in Belarusian rubles from individuals in favor of legal entities, individual entrepreneurs, with the exception of payments in favor of mobile operators, Internet providers.

Acceptance of payments from individuals in Belarusian rubles on account of repayment credit debt, as well as in payment of remuneration for the provision of services to JSC "ASB Belarusbank" using the bank payment. Insurance services for legal entities, individual entrepreneurs. Acceptance of insurance premiums from individuals in accordance with the legislation of the Republic of Belarus and concluded agreements with insurance companies.

Compulsory insurance civil liability vehicle owners. Compulsory insurance of civil liability of owners of vehicles of residents leaving the territory of the Republic of Belarus "Green Card". Voluntary insurance against illnesses and accidents while traveling abroad. Voluntary insurance against injuries "Express". Voluntary comprehensive insurance of property and civil liability of its users.

Compulsory insurance of civil liability of owners of non-resident vehicles entering the Republic of Belarus "Border Insurance". Compulsory medical insurance for foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus. Exchange of foreign currency in cash.

Replacement of foreign currency banknotes. Purchase of cash foreign currency for cash Belarusian rubles. Purchase of cash foreign currency for non-cash Belarusian rubles. Purchase of non-cash foreign currency for cash Belarusian rubles. Purchase of non-cash foreign currency for non-cash Belarusian rubles. Sale of cash foreign currency for cash Belarusian rubles. Sale of cash foreign currency for non-cash Belarusian rubles. Sale of non-cash foreign currency for cash Belarusian rubles.

Sale of non-cash foreign currency for non-cash Belarusian rubles. Conversion of foreign currency in cash.

Conversion of non-cash foreign currency. Acceptance of documents for opening current checking bank accounts, access to which can be provided using a debit bank payment card. Opening current checking bank accounts, access to which can be provided using a debit bank payment card. Operations on accounts in Belarusian rubles using payment cards.

Operations on accounts in foreign currency using payment cards. Operations on accounts in Belarusian rubles without using payment cards. Acceptance of applications for the extension of the validity period, for the loss and re-issue, for the production of a duplicate of the card.

Issuance of bank payment cards. Payments using bank payment cards. Execution of documents and registration of clients in the "Internet banking" system. Issuing a code card for the "Internet banking" system. Acceptance of documents for closing current checking bank accounts, access to which can be provided using a debit bank payment card. Closing current checking bank accounts, which can be accessed using a debit bank payment card.

Issuance of debit PCs without inf. Acceptance of documents for overdraft, creating applications. Execution of powers of attorney and testamentary dispositions for customer accounts. Acceptance of foreign currency in cash using a bank payment card. Cashless debiting of funds from the client's account opened in this institution of the Bank, without using a card. Cash withdrawal of foreign currency using a bank payment card. Acceptance of cash Belarusian rubles using a bank payment card.

Cash withdrawal of Belarusian rubles using a bank payment card. Issuance of international cards Visa Platinum, MasterCard World Black Edition with information reflected in the SC-Card software.

Acceptance of additional payments to the client's account opened in another institution of the Bank, without using a card. Money transfers according to the Western Union system.

Money transfers using the BLIZKO system. Bank transfers of individuals and legal entities in foreign currency. Payment of foreign currency without opening an account. Payment of Belarusian rubles without opening an account. Sale of coins made of precious metals. Sale of lottery tickets, payment of winnings. Provision of individual safe deposit boxes.

Payment of commercial checks on the terms of collection of individuals. Special accounts of individuals "Subsidia". Acceptance of banknotes of the National Bank of the Republic of Belarus for collection. Consulting individual clients. Reception of applications and issuance of certificates, other information. Exchange of damaged and branch banknotes in Belarusian rubles for good ones. Verification of the authenticity of banknotes according to the declared FL. Payment of compensation for collection of banknotes of the National Bank of the Republic of Belarus.

Loading cash into ATM cassettes. Unloading cash from ATM cassettes. Unloading cash from the infokiosk cassette. Loading a set of cassettes into an ATM.

Settlement and cash services of JSSB "Belarusbank"

During the pre-diploma practice at Belarusbank, a range of services was identified, provided by the operational department of the bank to both individuals and legal entities. The operations department is one of the largest in the bank in terms of the number of employees. He carries out the opening and maintenance of foreign currency and ruble accounts, settlement and cash services. To open a current account, legal entities must submit:

1. Application for opening an account.

2. A copy of the company registration document certified by a notary or registration authority.

3. Two copies of a copy of the constituent documents, one of which must be stamped by the registering authority, and the other must be notarized or certified by the registering authority.

4. Duplicate of the notification of the assignment of the taxpayer registration number (UNN).

5. A certificate from the bodies of the Fund for Social Protection of the Population of the Ministry of Social Protection on registration as a payer of compulsory insurance contributions and other payments in the bodies of the Fund.

6. A card with samples of signatures and seal imprints, certified by a notary.

JSB Belarusbank also opens sub-accounts, special, charitable, temporary, correspondent, deposit and other accounts.

Settlement and cash services are carried out by the bank's operational department on the basis of the current legislation and the relevant agreement between the parties. Its work has something in common with the lending department, the department for work with individuals and legal entities.

Table 5

Name and procedure for conducting cash transactions

the name of the operation

Opening a current account:

Legal entities

up to 5 minimum salaries(Minimum wage)

Entrepreneurs

Transfer of funds from the clearing account

(payments that, according to the instructions of the National Bank of the Republic of Belarus, do not refer to large payments)

by agreement, but not more than 0.5% of the amount

Transferring funds from an account in the BISS system:

Large payment (in the amount determined by the National Bank of the Republic of Belarus)

0.2 minimum wage for 1 document

Urgent payment

2.5 minimum wages for 1 document

Acceptance and processing of documents submitted for collection

(including documents on special accounts)

2% of the minimum wage for 1 document

Registration and issuance of a cash and limited checkbook (1 pc.)

Up to 25 sheets

Up to 50 sheets

Receipt of cash proceeds from trade, household and other organizations

on the basis of concluded agreements

Cash service (for cash withdrawals):

legal entities

For wages

by agreement, up to 2% of the amount

For other purposes

3% of the amount

For other purposes (if the client hands over cash to the bank)

by agreement, up to 3% of the amount

individual entrepreneurs

For wages

3% of the amount

For wages (if the client hands over cash to the bank)

by agreement, up to 3% of the amount

For other purposes

8% of the amount

Acceptance of cash from legal entities, individual entrepreneurs for products (goods, works, services) in favor of legal entities, with their subsequent crediting to the current (settlement) accounts of recipients:

Up to 50 minimum wages

3% of the payment amount

Over 50 minimum wages

2% of the payment amount

For the execution of orders of clients of legal entities for operations in foreign currency

Opening a current foreign currency account (for each type of currency):

Legal entities

Individual entrepreneurs

Crediting amounts to the account:

Cashless

no commission is charged

In cash

0.35% of the amount

Cash withdrawal

legal entities and individual entrepreneurs

1% of the amount

Accrual of interest on account balances:

for legal entities

With a balance of at least $ 10,000

With a balance of $ 50,000 or more

for individual entrepreneurs

With a balance of at least $ 1000

by agreement, but not more than 1.5% per annum

With a balance of $ 50,000 or more

by agreement, but not more than 2% per annum

Transfer from account

with crediting to the account in JSSB "Belarusbank":

no commission is charged

To accounts (recipients) through correspondent accounts in banks of the Republic of Belarus

0.075% of the amount (minimum $ 15, maximum $ 75)

to accounts (recipients) through correspondent accounts in foreign banks (except for Russian rubles)

0.1% of the amount (minimum $ 20, maximum $ 200)

to accounts (recipients) through correspondent accounts in foreign banks in Russian rubles

Legal entities and individual entrepreneurs

0.1% of the amount (minimum $ 10, maximum $ 200)

if all costs are borne by the sender (except for Russian rubles)

Legal entities and individual entrepreneurs

0.25% of the amount (minimum $ 30, maximum $ 600)

Comprehensive services for legal entities. The bank offers the following range of banking products and services.

Opening and maintaining foreign currency and ruble accounts, settlement and cash services for clients (sub-accounts, special, charitable, temporary, correspondent, deposit and other accounts).

Settlement and cash services are carried out in compliance with the current legislation of the Republic of Belarus and on the basis of an agreement between the bank and the client for settlement and cash services in accordance with the current commission rates.

Connection to the electronic payment system "Client-Bank". The proprietary e-mail network significantly increases the speed of information processing and allows the parties to transmit and receive the following documents:

in client-to-bank mode:

Payment orders in national and foreign currencies;

Application for translation;

Orders for the purchase and sale of foreign currency;

Currency conversion applications;

Text documents of any content;

in bank-to-client mode:

Client account statements;

Foreign exchange rates;

Information about the current state of the account;

Posting archive data.

The electronic signature of the client and a special encryption algorithm are used to identify the transferred payment documents, which guarantee the accuracy and confidentiality of information.

Deposits of legal entities in Belarusian rubles and foreign currency.

The terms of the deposit are determined by the contract and depend on the amount and terms of placement. At the request of the client, the deposit agreement may provide for the payment of interest - monthly, quarterly, as well as at the end of the deposit storage period.

Operations on the government securities market.

Investing in government securities is the most reliable way of investing money, bringing a guaranteed income. You need to know that income received from operations with GKOs and KOs of the National Bank of the Republic of Belarus has a preferential tax regime. As an active participant in the government securities and securities market of the National Bank, the largest operator of the stock market, the bank:

Places favorably cash clients in government securities (purchase of securities during the initial placement at a closed auction);

Purchase and sale of government securities at exchange auctions at OJSC "Belarusian Currency and Stock Exchange");

Loans secured by government securities;

Sells bonds of the state winning loan of the Republic of Belarus, pays out winnings, makes redemption;

Provides consultations on the functioning of the government securities market.

Operations with promissory notes.

A bill of exchange is a settlement instrument. It can significantly expand the possibilities of clients in the field of financial circulation. The bank's own bill program allows you to:

Sale of discount and interest-bearing bills;

Acceptance of promissory notes for maturity;

Early redemption of bills at agreed prices;

Sale of bills of exchange with deferred payment;

Lending secured by bills of exchange;

Accounting for bills of the National Bank of the Republic of Belarus;

Intermediary operations with promissory notes;

Avoiding clients' promissory notes by the bank.

Custody services.

As the largest depository in the republic, the bank carries out:

Depositing and storing uncertified securities issues on the "depo" account;

Registration of the transfer of ownership of securities as a result of a purchase and sale transaction;

Maintenance of operations of pledge of securities deposited on the owner's account;

Interdepository and interbranch transfers of securities;

Depository services for issuers (keeping the register of shareholders, re-registering ownership of registered shares, accrual and payment of dividends to owners of shares, etc.);

Registration of transactions with securities.

Leasing operations.

The bank has the following features of leasing operations:

The choice of the leasing object and its supplier is carried out by the client;

Leasing term - from 1 year;

Lease rate (bank income) - by agreement of the parties;

Leasing object accounting - on the balance sheet of the lessee;

The amount of amortization (depreciation) of the leased object is established by the lease agreement as agreed by the parties;

Possibility to carry out transactions of return (reverse) leasing and subleasing;

Real estate operations;

Possibility of acquiring a leased object abroad with settlements in foreign currency;

Factoring operations.

The Bank pursues a policy of supporting domestic producers, therefore, it carries out factoring in national and foreign currencies and provides financing for the company's working capital by redeeming its receivables.

Currency exchange operations on behalf of clients.

The Bank carries out transactions for the purchase and sale of foreign currency. Both residents and non-residents can act as sellers and buyers of currency in the manner prescribed by law.

Transactions of purchase and sale of foreign currency are carried out for clients who have foreign currency accounts in JSSB "Belarusbank".

International payments.

International payments to all countries of the world are executed through international system interbank communications S.W.I.F.T. This complex of software tools allows to ensure the efficiency of operations, their reliability, as well as the safety of financial information. The bank carries out:

Operations with traveller's checks of the "AMERICAN EXPRESS" company.

Operations with commercial checks of foreign banks: Deutsche Bank, Germany; Bankerst Trust Company, USA; Bank "Gospodarki Zhivnostevy" (BGZ), Poland.