Bank of Russia Enactments and Regulations: Instruction on Bank Regulation Procedure

This document presents instruction on the procedures for regulating the activities of banks and credit institutions in Russia. It was published on October 16, 1997 by the Chairman of the Central Bank of the Russian Federation, Sergei K. Dubinin.

The Procedure establishes the following required economic norms for banks:

• Minimum bank equity capital;
• Bank equity capital;
• Bank equity capital adequacy ratios;
• Bank liquidity ratios;
• Maximum risk per borrower or group of related borrowers;
• Maximum big credit risks;
• Maximum risk per creditor (depositor);
• Maximum amount of credits, guarantees and sureties granted by a bank to its partners (stockholders and shareholders) and insiders;
• Maximum amount of personal monetary fund's (deposits);
• Maximum amount of a bank's liabilities on bills of exchange;
• Ratio of bank's equity capital used for acquiring stakes (shares) of other legal entities.

The document also covers supplementary material such as breakdown of individual balance accounts for calculating required ratios and consolidated statements on violations.