Setelem documents. “You’re being rude, boy!”: credit to Cetelem
Introduction
The purpose of writing this work is a report on the internship, a description of the internship location, an analysis of its goals, functioning, economic results, etc.
The objectives of the internship are:
Consolidating and deepening theoretical knowledge about the characteristics, organizational structure, management and content of the bank’s work;
Studying the activities of the organization, its features;
Study of specific financial, production and other business documentation;
Studying and improving skills in practical work;
Obtaining generalization of practice materials to deepen and systematize theoretical and practical knowledge.
I chose the bank BNP Paribas Vostok as the object for my internship; currently in Russia the bank is known as Cetelem Bank LLC.
When writing this work, I used various sources, such as specific financial information, production and other business documentation, the media, the Internet and my own observations during practice.
General characteristics of Cetelem Bank LLC
"Cetelem Bank" LLC (hereinafter referred to as the Bank) is a credit organization created in the form of a limited liability company. The Bank has been operating on the basis of a license issued by the Bank of Russia since November 27, 1992. The main activity of the Bank is carrying out banking operations on the territory of the Russian Federation.
In 2007, the international financial group BNP Paribas (France) became the only participant of the Bank, and the name of the Bank was changed to CB "BNP Paribas Vostok" (Limited Liability Company). In 2011, the Bank's Board of Directors identified consumer lending as a priority direction for the Bank's development. In December 2011, BNP Paribas Personal Finance S.A. signed an agreement to create a joint venture with Sberbank of Russia OJSC, which envisages joint development of the Russian consumer lending sector. In accordance with the Agreement signed on August 31, 2012 between BNP Paribas S.A. and OJSC Sberbank of Russia, BNP Paribas S.A. sold 70% of the Bank's shares to Sberbank of Russia OJSC. From this date, all rights to own 70% of the shares were transferred to Sberbank of Russia OJSC. The remaining portion of the Bank's shares, i.e. 30% was sold to LEVAL 20 S.A.S. in accordance with the Agreement signed on August 22, 2012 between BNP Paribas S.A. and LEVAL 20 SAS., which is a 100% subsidiary of BNP Paribas Personal Finance S.A. (Member of the BNP Paribas Group).
From September 30, 2013 and as of April 1, 2014, the share of Sberbank of Russia OJSC in the authorized capital of the Bank is 74%, and the share of Leval 20 S.A.S. - 26%. A joint bank created by Sberbank of Russia OJSC and BNP Paribas Personal Finance S.A. is engaged in lending to individuals under the Cetelem brand, using the concept of “responsible lending.” Since August 31, 2012, the main business entity of the Bank has been Sberbank of Russia OJSC. In 2013, the last change of the Bank’s name to “Cetelem Bank” LLC took place in accordance with the new direction of activity as part of the Sberbank of Russia Group. The consolidated financial statements of the Sberbank of Russia banking group are posted on the official website of Sberbank of Russia OJSC on the Internet #"justify">As of 04/01/2014, the number of regional representative offices of the bank included in the network of separate divisions of the Bank, compared to the number as of 01/01/2014, has not changed and amounts to 76 regional representative offices of the Bank (as of 01/01/2014 - 76). The bank is registered at the address: 125040, Moscow, st. Pravdy, no. 26.
The representative office in the city of Barnaul is located at Bavarina Square.
Familiarization with the regulations on which the organization operates
The Bank participates in the system of compulsory insurance of deposits of individuals in banks of the Russian Federation, approved by Federal Law dated December 23, 2003 No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation.”
As of April 1, 2014, the Bank has the following licenses:
License to carry out banking operations with funds in rubles and foreign currency with the right to attract funds from individuals on deposit No. 2168 dated June 27, 2013; (Appendix A)
License to carry out banking operations with funds in rubles and foreign currency with the right to attract funds from legal entities to deposits No. 2168 dated June 27, 2013.
Analysis of the constituent documents of a commercial bank
The procedure for the creation and activity of commercial banks on the territory of the Russian Federation is regulated by the Law of the RSFSR "On Banks and Banking Activities in the RSFSR" dated December 2, 1990. and the Regulations on joint stock companies, approved by Resolution of the Council of Ministers of the RSFSR dated December 25, 1990 No. 601.
State registration of a bank as a legal entity serves as the basis for obtaining a license for banking activities. For state registration, commercial banks submit documents to the Central Bank of the Russian Federation in accordance with the list established by law, including constituent documents: constituent agreement, charter, protocol on the adoption of the charter and appointment of managers.
The bank's charter must contain the necessary information in accordance with current legislation, namely:
) type of bank (joint stock - open or closed, shareholding with foreign capital or foreign bank, universal or specialized - industry orientation, republican or regional):
) the subject and goals of the bank’s activities;
) composition of participants (founders). The founders and shareholders (shareholders) of commercial banks can be legal entities and individuals, with the exception of public, religious and other associations whose charters do not provide for commercial activities or profit-making, political organizations and specialized public funds.
Budget funds and extra-budgetary funds, available funds and other property assets under the jurisdiction of state representative and executive authorities and local self-government bodies cannot be used to form the authorized capital.
The share of participation of any of the founders of shareholders (shareholders) does not exceed 35% of the authorized capital.
When creating foreign banks and banks with the participation of foreign capital, one of the foreign founders must be a bank;
) company name and location (postal address);
) size of the authorized capital;
) the procedure for distribution of profits and compensation for losses;
) composition, formation procedure and competence of the bank’s management bodies;
) the procedure for making decisions by the bank’s bodies, including a list of issues on which unanimity or a qualified majority of votes is required.
For an open joint-stock bank, a majority of 3/4 of the votes of shareholders participating in the general meeting is necessary when resolving issues such as: changing the bank’s Charter; making a decision to terminate the bank’s activities; creation and termination of branches.
For a closed joint-stock bank, the unanimity of all bank participants is required when resolving issues: determining the main directions of the bank’s activities; approval of the bank's plans and reports on their implementation; amendment of the bank's Charter; exclusion of participants from the bank;
list of operations carried out by the bank; list of funds formed by the bank.
In addition, the Charter of a joint-stock bank provides the following information: categories of shares issued; par value of shares; ratio of shares of different categories; consequences of failure to fulfill obligations to issue shares; method of notifying shareholders about the general meeting; circumstances under which an extraordinary meeting of shareholders is convened; the procedure for appointing or electing the Chairman of the Management Board; the limits of action of the Board on behalf of the bank; the method of bringing to the attention of shareholders the bank’s decision to reduce the authorized capital; the procedure for publishing a report on the bank’s activities; procedure for the formation and use of reserves.
A joint-stock bank also requires its consent to transfer shares. If the constituent documents do not provide for the issue of preferred shares, then the bank has the right to issue only common shares. At the same time, owners of preferred shares do not have the right to vote in the management of the bank.
When issuing additional shares, the procedure for sale must be provided: they can be sold at negotiated prices, received by inheritance, in the order of succession of legal entities and on other grounds.
The bank's Charter also lists other issues that fall within the exclusive competence of the general meeting of shareholders.
The exclusive competence of the general meeting includes: determining the main directions of the bank’s activities, approving its plans and reports on their implementation; amendment of the bank's Charter; election and recall of members of the Board of the joint-stock bank (Supervisory Board); election and recall of members of the executive body and the audit commission; approval of the annual results of the activities of a joint-stock bank, including approval of reports and conclusions of the audit commission, the procedure for distributing profits, determining the procedure for covering losses;
creation, reorganization and liquidation of branches and representative offices, approval of regulations (Charters) about them; making decisions on bringing bank officials to property liability;
approval of rules and other internal documents of the bank, determination of the organizational structure of the bank; resolving issues regarding the acquisition by a joint-stock bank of shares issued by it; determining the terms of remuneration for officials of a joint-stock bank, its branches and representative offices; approval of contracts concluded for an amount exceeding that specified in the bank’s Charter; making a decision to terminate the bank's activities, appointing a liquidation commission, approval.
In order to quickly resolve issues, the functions falling within the competence of the general meeting of shareholders are transferred to the Council of the joint-stock bank (Supervisory Board), which exercises control over the activities of its executive body.
Shareholders do not have the right to demand payment of dividends in shares, bonds and commodities. Dividends are paid only in monetary terms.
The Charter also provides for: the procedure for convening an extraordinary meeting of shareholders (convened by the Board of Directors, the Audit Commission or shareholders with at least 10% of shares); granting bank employees the right to buy shares; quorum for making a decision by the Board of Directors (two thirds of the Board members); the legality of the directors' decision; the procedure for organizing the activities of a subsidiary joint-stock bank and its relationship with the parent bank (the subsidiary joint-stock bank acts as an independent commercial organization and its relations with the parent bank are built on the basis of the Regulations - Resolution of the Council of Ministers of the RSFSR No. 601).
For a closed bank, the following are established:
the procedure and conditions for the influence of changes in the value of property contributed as a contribution and additional contributions of participants on the size of their share in the authorized capital specified in the constituent documents;
the procedure for the shareholder to assign his share. A bank participant may, with the consent of the remaining shareholders, assign his share to one or more participants of the same company and third parties;
the number of representatives of bank shareholders in the meeting;
the order of chairmanship of shareholders at the meeting of participants (in alphabetical or other order).
Memorandum of association
The founding agreement is signed by the founders - legal entities and individuals who initiated the creation of a commercial bank. The memorandum of association defines:
the nature of the bank (share, joint stock, etc.);
the expected size of the authorized capital and the share of the founders in the authorized capital (the share of the founders should not be less than 25% of the authorized capital during the first two years after the creation of the bank);
responsibility of the parties for the fulfillment of obligations assumed under this agreement;
parties considering disputes arising from this agreement (arbitration, arbitration, etc.), as well as other issues significant from the point of view of the persons who signed it.
In the case where the founders' contributions cover only part of the authorized capital, the constituent agreement stipulates the conditions under which it is intended to attract bank shareholders. In this case, the constituent agreement is supplemented by signature sheets, on the basis of which shareholders announce their decision to participate in the establishment of a commercial bank. Subscription sheets serve as the basis for the transfer by bank shareholders of the contribution of funds established in the founding agreement to the temporary settlement account of the founders.
The number of founders of a commercial bank cannot be less than three.
The changes made to the constituent documents should be analyzed.
According to the law, commercial banks are required to notify the Central Bank of the Russian Federation about all changes made to the Charter.
At this stage, you should also clarify whether the bank is a newly created one, or whether it was created on the basis of a liquidated specialized bank.
Checking the timeliness and completeness of the formation of the authorized capital (capital) of the bank, the correctness of its reflection in accounting
The procedure for checking the correctness of the formation of the authorized capital depends on the method of its formation. The authorized capital can be created by repurchase of shares. When checking, it turns out:
completeness of transfer of the declared contribution;
compliance with the deadlines for the formation of the authorized capital;
sources of formation (at the expense of the bank’s founders or participants’ own funds or by attracting a bank loan, contributions from third parties).
For checking use:
list of shareholders indicating the amounts of contributions to the authorized capital.
The procedure and timing for the formation of the declared authorized capital are analyzed. In this case, a list of shareholders is used indicating the contribution to the bank’s authorized capital. Based on the bank’s daily balance sheets and primary accounting documents (payment orders, etc.), the actual receipt of funds from the bank’s shareholders is checked, their crediting to balance sheet accounts 102 “Authorized capital of joint-stock banks formed through ordinary shares”, 103 “Authorized capital of joint-stock banks formed from preferred shares." When establishing a joint-stock bank, the entire authorized capital must be distributed among the founders. If, by the time of registration of a commercial bank, less than 50% of the declared amount of the authorized capital has been received in the temporary settlement account of the bank’s founders, then the Central Bank of the Russian Federation, if the decision to satisfy the application is positive, will issue the bank a temporary license. A temporary license gives the right only to open a correspondent account and accumulate contributions for the formation of the authorized capital and is valid for a year from the date of its issuance. A temporary license does not provide the right to carry out banking operations.
After payment of 50% of the declared authorized capital, a permanent license is issued, allowing to carry out operations provided for by the Charter.
To form the authorized capital of a bank, you cannot use:
raised funds (loans);
funds and other property of public, religious and other associations and organizations, if their Charters do not provide for commercial activities or there is no indication of making a profit;
budget funds from extra-budgetary funds;
free funds and other property objects under the jurisdiction of state representative and executive authorities and local government bodies.
It is important to ensure that contributions to the authorized capital are made by actual participants (shareholders) of the bank. To do this, you should compare the names of participants (shareholders) indicated in the constituent documents with the names of enterprises and organizations that actually made contributions to the authorized capital (purchased shares) of the bank.
The authorized capital can be formed by shareholders in cash, tangible and intangible assets, securities issued by third parties and having a market quote, and foreign currency.
When forming the authorized capital with material assets (buildings, structures, equipment, materials, etc.), property valuation acts must be drawn up, which are then approved by the minutes of the founders or the meeting of shareholders. The assessment is carried out by expert means or by agreement of the parties. The transfer of tangible assets is formalized by deeds of transfer.
In the case of sending intangible assets to the authorized capital (rights to use a building, land, water and other natural resources, intellectual property, bank registration costs), acts of assessment of intangible assets and acts of transfer of use rights are also required: lease agreement, acceptance certificates of intangible assets assets.
If the property is transferred by a participant to the bank only for use, the size of the deposit and, accordingly, the participant’s share are determined based on the rent for the use of this property, calculated for the entire period of the bank’s activity specified in the constituent documents or another period established by the participants.
Tangible and intangible assets that can be used in the bank’s activities are accepted as contributions to the authorized capital. The share of these assets in the structure of the authorized capital should not exceed 20% at the time of creation of the bank. Subsequently, the share of tangible assets in the structure of the authorized capital should not exceed 10%, excluding the cost of buildings, and the share of intangible assets should not exceed 1%.
In practice, there are often cases when rare earth metals, ships, the right to use trademarks, etc. are contributed as payment for the bank’s authorized capital. These values cannot be considered as assets used in banking operations and should not be accepted as payment for the bank’s authorized capital .
When transferring buildings and structures into the full ownership of the bank, a transfer act must be drawn up, and the property must be accepted on the balance sheet.
When transferring household equipment and other material assets, acceptance certificates are drawn up.
When forming the authorized capital in foreign currency, it is recalculated into rubles at the rate of the Central Bank of Russia on the date of signing the constituent agreement or another date agreed upon by the bank’s shareholders.
No further revaluation of foreign currency funds contributed to the formation of the authorized capital due to changes in the current exchange rate of the ruble to foreign currencies is carried out. Banks that have permission to conduct foreign exchange transactions can accept foreign currency as payment for the authorized capital.
Securities can be contributed as a share. The security must not be issued by the depositor himself. Securities accepted as a shareholder's share are accounted for at their market price on the date of concluding the founding agreement.
In this case, the deposited securities must also be recorded at par value in an off-balance sheet account.
A commercial bank, created in the form of a joint-stock company, forms an authorized capital by issuing and placing shares. A share is a security that confirms the shareholder’s rights to participate in the management of the company, its profits and the distribution of remaining property upon liquidation of the company. A share in any joint stock company, including a bank, is a title of ownership. Its holder acts as the owner of a certain share of the bank’s property. Therefore, a share is often called an equity security.
There are several types of shares. Depending on the specifics of the procedure for calculating and paying dividends, the bank's charter may provide for the issue of preferred shares. Their holder enjoys an important benefit - the preemptive right to receive dividends. The annual value of the latter is usually fixed as a percentage of the nominal value of the shares. If at the end of the year the bank received a profit that turned out to be insufficient to pay dividends on preferred shares, then the missing amount is paid from the bank’s reserve fund. Preferred shares are divided into cumulative and non-cumulative. For cumulative shares, unpaid dividends for previous periods are added to the dividends of subsequent years, i.e. accumulate. For non-cumulative shares, such accumulation of unpaid dividends does not occur.
Since the commercial interests of the holders of these securities are protected, their owners, as a rule, are not given the right to vote in the management of the joint-stock company. Excessive issuance of preferred shares by a bank that does not have a reserve fund or is not of sufficient size is very risky, so auditors should check the creation of reserves. From this point of view, issuing another type of shares - ordinary shares - is safer. The dividend on them is accrued only depending on the amount of the remaining profit. In order to protect the commercial interests of their holders, owners of ordinary shares are given the right to vote in a joint stock company.
Depending on whether the name of its owner is indicated on the security or not, the bank can issue registered shares and bearer shares. The movement is first recorded in the share registration book maintained by the issuing bank. He enters into the book information about each registered share, the time of its acquisition, as well as the number of such shares for each of the shareholders. The legislation of the Russian Federation grants joint stock companies the right to issue only registered shares.
The founders of a joint-stock bank, having determined the expected amount of the authorized capital, the number of shares to be issued, their par value, type, depending on the type of joint-stock company, conduct a closed or open subscription.
Closed subscription means that the bank places shares according to a list prepared in advance by the founders and the shares will not be available for free sale on the primary market. This is what the founders do when they have large potential shareholders who can make contributions in a sufficient amount to form the authorized capital. Sometimes the founders choose a closed subscription out of a desire to prevent “outsiders” from managing the bank and participating in its profits and create a closed joint stock company.
Since for many banks the problem of finding potential shareholders is extremely pressing, an open subscription for shares is more attractive for them, in which any holder of free capital can become a shareholder of the bank. An open subscription will create particularly favorable conditions for attracting savings from individuals into joint-stock banking.
The procedure for issuing securities by banks includes:
adoption of a decision on the issue - minutes of the meeting of bank shareholders;
preparation of a prospectus containing all necessary information about the issue;
registration of the prospectus in the institutions of the Central Bank;
publication of a prospectus;
publication in the press of a notice about the upcoming distribution of securities;
organization of distribution of securities;
registration of release results;
publication of the results of the issue.
The main form of payment for shares is cash - in rubles and foreign currency. At the same time, the joint-stock company being created can accept a contribution in kind - tangible assets (buildings, household equipment, construction materials, low-value equipment), intangible assets, securities of third parties with a market quote.
Upon full payment of the shares, the owner is issued a share certificate - a security that is evidence of ownership of a certain number of shares by the person named in it.
When establishing a joint-stock bank, all shares must be distributed among the founders of the bank. During this period, the presence of shares intended to be placed by public subscription is not allowed.
When forming the authorized capital by issuing shares, a special procedure is established for the accumulation of funds received in payment for shares. It is as follows:
funds in national currency (rubles) are accumulated in a separate commercial bank account specially opened for these purposes with the Central Bank of the Russian Federation;
funds in foreign currency are accounted for in savings accounts opened with a foreign or authorized bank.
This determines the special procedure for reflecting in the accounting records of a joint-stock bank operations related to the formation of its authorized capital.
Reflection of transactions related to the formation of the authorized capital can be divided into 2 stages:
Reflection of transactions in the bank's balance sheet during the period of subscription to shares (which begins after registration of the prospectus);
Reflection of transactions in the bank's balance sheet after the completion of the subscription campaign and registration of the report on the results of the issue.
Reflection of transactions in the bank's balance sheet during the period of subscription to shares
When forming the bank's authorized capital, shares can be sold at par value or above par value. Selling shares at a price below par is prohibited.
When paying for shares of tangible and intangible assets, entries must be made in the accounting accounts.
All tangible and intangible assets transferred in payment for shares must have acts of valuation approved by the meeting of shareholders, and acts of transfer.
Payment for shares in third party securities is reflected in the bank's balance sheet.
Tangible assets, intangible assets, securities contributed by buyers in payment for bank shares, before registering the results of the issue, cannot be sold by the issuing bank or alienated in any other way.
When registering the results of an issue, it is necessary to provide information about exchanges or other organizations (indicating the license number of the Ministry of Finance of the Russian Federation for conducting exchange activities with securities) where third-party securities were quoted, indicating the period in which securities were traded, volume and price transactions.
When paying for shares in foreign currency, opening a special savings account with the RCC of the Central Bank of the Russian Federation is not required. The currency is transferred to an account opened in an authorized or foreign bank.
It should be borne in mind that all banks can accept foreign currency as payment for the authorized capital, both those with permission to conduct foreign exchange transactions and those without it during the period of placement of shares. In the absence of a currency license, currency funds after registration of the subscription are used by the bank only for its business needs.
The receipt of cash foreign currency is reflected in the bank's balance sheet.
Spending foreign currency funds in the same way as ruble funds is prohibited until the results of the issue are registered.
Bank shareholders have the right to set the par value of shares, expressed in two denominations: rubles and dollars. Along with this, the issuing bank has the right, without setting a double par value of its shares, to pay for them in foreign currency and, in this case, set the foreign currency price of the shares. If the issuing bank provides a double denomination for a share, then the currency denomination must correspond to the currency price of the share. This means that the relationship between the ruble denomination and the foreign currency denomination does not necessarily have to be guided by the current official ruble-dollar exchange rate.
Reflection of transactions in the bank's balance sheet after the completion of the subscription campaign and registration of the report on the results of the issue
Since the law of the Russian Federation provides for the issue of only registered shares, their sale must be registered in special books and journals. When registering registered shares, the following shall be indicated: the name and legal address of the owner of the shares, number, series, par value, number of shares sold and the total amount of shares sold to the shareholder.
The bank's authorized capital can be increased through the capitalization of its own funds. In this case it is necessary:
) decision of the general meeting of shareholders;
) registration of an issue prospectus and a report on the results of this issue for a joint-stock bank;
) permission to increase the authorized capital.
The following may be used to increase the bank's authorized capital:
) reserve fund funds,
) funds received by the bank from the sale of shares to their first owners,
) funds received as a result of revaluation of the bank's fixed assets,
) balances of economic stimulus funds,
) dividends accrued but not paid to bank shareholders,
) funds from the revaluation of the foreign currency portion of own funds,
) retained earnings at the end of the year.
The bank's capitalized own funds must be distributed among the bank's shareholders, including bank employees, and documented with appropriate documents.
Commercial banks can buy their own shares for the purpose of:
maintaining the price of its shares;
further resale at preferential prices to bank management or employees;
changes in the structure of share capital;
cancellation and reduction of authorized capital.
Accounting for own shares purchased by the bank from shareholders is kept on account 105 “Own shares of the authorized capital purchased by the bank” at par value. Shares can be bought and sold: at par value; below face value; above face value.
Shares purchased by the bank are held as cash. An inventory is kept of all shares indicating the share number, series, and par value.
Cancellation of shares is reflected in accounting entries.
Shares are canceled: when the bank is closed, when one type of shares is replaced by another, when the bank’s authorized capital is reduced.
Typical mistakes when forming the authorized capital of a bank:
transfer of contributions for the formation of the bank’s authorized capital by third parties; using bank loans to pay contributions to the authorized capital or obtaining loans for current needs a short period of time after transferring one’s own funds to form the bank’s authorized capital;
transfer of funds from deposit accounts; cash contributions by legal entities for the formation of authorized capital;
failure to timely reflect the transfer of tangible and intangible assets in accounting, which leads to a decrease in the actual amount of the bank’s equity capital.
Familiarization with the system of motivation and remuneration
In the system of Russian banks, there are a number of ways to materially stimulate employees, which can be divided into two groups - monetary and non-monetary incentives.
cash awards/bonuses for achieving bank goals or KPIs (paid annually, quarterly or upon achievement of indicators)
commission payments for concluding a certain number of transactions
individual monetary rewards for special skills, loyalty, long work experience, etc.
division of bank profits between employees[
additional benefits
The non-monetary group includes the following types:
various types of social and health insurance
preferential banking and other services
payment by the bank of certain expenses (communication services, transportation costs)
pension contributions
provision of a personal car, secretary, parking space, etc.
providing discounts and gift certificates to various stores, restaurants, etc.
provision of tourist vouchers
gifts for employees and their families
tuition fees
Currently, the effectiveness of non-monetary incentives for staff is increasing. The most common methods of non-material incentives for bank employees are as follows:
providing flexible work hours
Carrying out joint leisure time for the entire banking team
recognition from superiors
opportunity for advanced training, prospects for career growth, professional development
opportunity to participate in decision-making, discuss issues important for the bank (inclusion in the credit committee, asset and liability management committee, etc.)
Symbolic awards (board of honor, title of “best employee,” article in the corporate press, souvenirs, plaques, T-shirts with the inscription “for labor success”)
Enrollment in the bank's personnel reserve
Cetelem Bank LLC adheres to the principle of “paying for achieving results.” There is a gradation of motivation for workers at different levels. Senior managers are evaluated according to the “Priority Projects” system. Its essence lies in the independent setting and coordination of goals with the banking strategy by the top manager and their further transfer to lower levels in the form of decomposed projects. To assess the effectiveness of ordinary employees when distributing bonuses for achieving group indicators, there is a “5+” system, which is based on 5 key factors: “personal performance, improvement of professional knowledge, innovation and optimization of the work process, teamwork and customer focus.” Certain categories of employees are also awarded bonuses. Thus, the bonus for tellers depends on the sales volume of a certain banking product. The bank also has a “League of Talents” project, the goal of which is to include young specialists in groups to solve the most pressing problems. Cetelem Bank provides rich social services. a package that includes health insurance and accident insurance, fully financed by the bank, food subsidies, pension supplements, etc. After retirement, bank employees receive an additional non-state pension, the payment of which is based on accumulated funds. Every year, Sberbank holds a “Best in Profession” competition, winning which gives the opportunity to intern in the best branches of the bank or receive additional education. Symbolic awards are also common in the bank: “Gratitude from the President of the Bank, honorary insignia, honorary and anniversary certificates, inclusion in the Book of Honor.” (Appendix B)
Collection of annual reporting forms for the organization
Accounting (financial) statements contain information about the state of the organization’s property and the sources of its formation as of the reporting date, as well as about the results of financial and economic activities for the reporting period. The rules for its preparation and presentation are determined by the Federal Law “On Accounting” and regulations of the Ministry of Finance of the Russian Federation and are mandatory for all organizations. Indicators of accounting (financial) statements are expressed only in terms of value, which allows them to be compared and summarized as well as consolidated reports. Accounting (financial) statements are prepared on the basis of accounting data collected on synthetic and analytical accounts. This ensures its increased reliability, since the formation of information on accounts is carried out using such methods of primary accounting observation as documentation, double entry and inventory.
A distinctive feature of accounting (financial) reporting is the presence of a relationship between indicators reflected in different reporting forms and balance sheet indicators. The balance sheet forms the basis of accounting (financial) reporting. Other reports are intended to complement and clarify his data. Separate reports not related to the balance sheet do not have the characteristic features of accounting (financial) reporting and are operational, statistical or tax reports.
Accounting (financial) reporting is available to both internal and external interested users.
This reporting has a double terminology, since the Federal Law “On Accounting” and the regulations of the Ministry of Finance of the Russian Federation use the term “accounting statements”, and in civil legal acts and in international standards defining the rules for the preparation and presentation of reporting - the term "financial reporting". This essay mainly examines the reporting of Russian organizations within the framework of the legislation governing it, therefore, further in the text the term “accounting statements” will be used.
Operational reporting contains various information about the activities of the organization (sales volume, inventories of materials, cash flow, etc.) for short periods of time (daily, five-day, ten-day). The rules for its compilation and presentation are determined by each organization independently. Indicators of operational reporting are expressed by different measures (cost, natural, labor) and are formed mainly on the basis of data from primary accounting documents and operational information, which may not have documentary evidence (transmitted by e-mail, by telephone, etc.).
Users of operational reporting can only be employees of the organization.
Statistical reporting contains information about individual components of the financial and economic activities of the organization (volumes of production and sales of products (works, services), investments, financial condition of the organization, number of employees and their wages, etc.). The rules for its compilation and presentation are determined by the State Committee on Statistics of the Russian Federation. Statistical indicators are expressed by different measures. They integrate information from statistical, accounting and operational accounting.
Statistical reporting is submitted to the territorial body of state statistics of the Russian Federation at the place of registration of the organization and serves as a source for obtaining relevant data for the entire national economy.
Tax reporting contains information necessary for calculating taxes and data on taxes paid. The rules for its preparation and presentation are determined by the Ministry of the Russian Federation for Taxes and Duties. Tax reporting indicators are expressed only in terms of value. Tax reporting can be prepared on the basis of accounting data brought into compliance with tax legislation, or on the basis of separately organized tax accounting.
Tax reporting is submitted to the tax inspectorate of the Ministry of the Russian Federation for Taxes and Duties at the place of registration of the organization.
Of the types of reporting considered, the most complete source of information about the activities of the organization is the financial statements. Current accounting continuously records information about each business transaction occurring in the organization. Information accumulated in accounting registers over a certain period of time is summarized and presented in a compact form that is convenient for perception and understanding by people making management decisions or evaluating the activities of the organization. This is the form used by financial statements.
Accounting statements are a unified system of indicators that reflect the state of the organization’s property and the sources of its formation as of the reporting date, as well as the results of the organization’s financial and economic activities for the reporting period.
Reporting date is the date as of which the organization must prepare financial statements.
Reporting period - the period for which an organization must prepare financial statements.
The purpose of accounting reporting is to summarize accounting data for a certain time and present it in a visual form to interested users.
The importance of accounting reporting is characterized by its ability to help solve a number of important problems related to the use of accounting information.
When preparing financial statements, filtering, aggregation and systematization of accounting information are provided, indicators that are significant for characterizing the results of the organization's work are selected, and redundant information that is not important for users at this level is eliminated. Reporting indicators are compiled into systematic groups that make them easier to understand and use.
Accounting statements serve as a source of information for financial analysis. Based on its indicators, an express assessment of the state of the organization’s property and its sources is given, the financial stability, solvency and profitability of the organization are determined, and trends in its development are identified.
Based on the information from the financial statements, the implementation of the plan is assessed, and signals are generated that the actual state of the financial and economic activities of the organization differs from the planned one. These signals allow managers to focus their attention on specific deviations from planned targets and standards, evaluate identified deviations, determine their possible consequences and ways to eliminate them. Based on deviations of reporting indicators from planned ones, one can judge the quality of planning, possible reserves for improving the final performance indicators of the organization, and the need to clarify planned calculations. Accounting information serves as the basis for subsequent planning.
Accounting statements are the main means of communication, providing external users with the opportunity to assess the financial condition of the organization.
Depending on the frequency of preparation, financial statements are divided into annual and interim (current, periodic).
Annual financial statements are prepared for the reporting year. It contains the most complete set of indicators characterizing the financial and economic activities of the organization.
Quarterly financial statements, like annual ones, are mandatory for presentation to external users. Other types of interim reporting are prepared at the discretion of the organization for internal use.
Depending on the degree of generalization of information, primary (own), consolidated and consolidated financial statements are distinguished.
Primary (own) financial statements are the financial statements of one organization, which is an independent legal entity.
Consolidated financial statements are the financial statements of a group of interrelated organizations, each of which is an independent legal entity. Such reporting is compiled on the basis of the primary accounting statements of organizations included in the group, by summarizing the relevant data according to certain rules.
Reporting is a system of indicators reflecting the results of the organization’s economic activities for the reporting period. Reporting includes tables that are compiled according to accounting, statistical and operational accounting data. It is the final stage of accounting work.
Reporting data is used by external users to evaluate the performance of the organization, as well as for economic analysis within the organization itself. At the same time, reporting is necessary for the operational management of economic activities and serves as the initial basis for subsequent planning. Reporting must be reliable and timely. It should ensure the comparability of reporting indicators with data for the previous period. (Appendix D)
Study of the number of positions in the unit, job descriptions of employees
Various commercial organizations have their own characteristics in the construction of the management apparatus.
The management structure of Cetelem Bank LLC is as follows:
President of the Bank
1 First Vice President
1.1 Planning and economic department
1.2 Lending department
1.3 Legal service
1.4 Depositor Relations Department
2 Vice President of Public Relations
2.1 Psychological support department
Job description of the bank management director. General provisions
The director of the bank's management belongs to the category of managers.
A person with a higher professional education in the profile of work with a specialization in a specific area of activity of a structural unit and at least 5 years of experience in financial banking or similar work in management positions is appointed to the position of director of the bank's department.
The bank management director must know:
1. Laws and other regulatory legal acts of the Russian Federation related to the activities of financial and banking institutions.
2. Orders, departmental instructions and regulatory documents relating to the work of the bank and management (department).
3. Fundamentals of Economics.
4. Prospects for the development of the financial and banking system and strategic directions of the bank’s activities.
5. Fundamentals of scientific organization of labor.
6. Rules and standards of labor protection, safety and fire protection.
The director of the bank's management reports directly to (the chairman of the bank; other official; the board of the bank)
During the absence of the director of the bank's management (business trip, vacation, illness, etc.), his duties are performed by his deputy, who acquires the corresponding rights and is responsible for the proper performance of the duties assigned to him.. Job responsibilities
Director of Bank Management:
Manages the activities of the department (department) and is personally responsible for the implementation of the tasks and functions assigned to it, as well as the results of work.
Organizes the development of long-term and current work plans for the department (department).
Conducts a systematic analysis of the state of affairs on issues within the competence of the management (department), and on its basis prepares proposals for the Board of Directors of the bank (board of the bank) for making decisions aimed at improving banking activities.
Leads the development of complex programs, methods, and instructional materials related to the direct activities of the department (department), and takes measures to implement them in practical work.
Organizes a study of the banking services market and the possibility of expanding the circle of potential consumers (users) of banking products on issues within the competence of the department (department).
Makes proposals for improving existing forms and methods of work and introducing new ones.
Prepares a draft regulation on the department (department), reviews and approves regulations on the departments (sectors) that are part of the department (department), as well as job descriptions in accordance with the staffing table.
Contributes to the creation of the necessary working conditions and a favorable moral and psychological climate in the team.
Ensures that management (department) employees comply with labor discipline.
Submits proposals for management's consideration on changes to the structure, staffing of the department (department), as well as on the hiring, relocation, dismissal of employees, their encouragement and the imposition of disciplinary sanctions.
Resolves operational issues, reviews incoming and outgoing correspondence, including letters, statements and complaints from citizens related to the activities of the department (department).
As part of the activities of the department (department), coordinates the work and provides methodological assistance to the relevant structural divisions of the bank and exercises the necessary control over their activities, including on-site visits.
Ensures the preservation of commercial secrets about the activities of the bank and its clients.
Performs representative functions and ensures interaction with various structural divisions of the bank.
Ensures the correct application of current legislation and record keeping in the prescribed manner.. Rights
The director of the bank's management has the right to:
Get acquainted with the draft decisions of the bank's Board of Directors (bank's board), the Bank's Chairman, concerning the activities of the management (department).
Participate in discussions of issues related to the duties performed by him.
Interact with the heads of all (individual) structural divisions of the bank.
Sign and endorse documents within your competence. Responsibility
The director of the bank's management is responsible for:
For improper performance or failure to fulfill one’s job duties as provided for in this job description - within the limits determined by the current labor legislation of the Russian Federation.
For offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal and civil legislation of the Russian Federation.
For causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation
Job description of a lending specialist
General provisions
1. A specialist in the lending department belongs to the category of specialists and is directly subordinate to [name of the immediate supervisor].
2. A person with a higher financial and economic education is accepted for the position of a specialist in the lending department, without presenting requirements for work experience.
3. A specialist in the lending department must know:
The Constitution of the Russian Federation, other laws and regulatory legal acts of the Russian Federation in the field of professional activity;
economic development trends;
characteristics and features of the product;
methods for assessing risks when lending to clients;
factors that determine the specifics of the client’s activities and the stability of his financial condition;
forecasting methods;
requirements for obtaining loans;
rules for establishing business contacts;
psychology of communication with clients, methods of resolving conflict situations;
internal labor regulations;
basics of labor legislation;
rules and regulations of labor protection.
Job responsibilities
1. Consulting clients about loan terms and requirements for potential borrowers.
2. Review and analysis of customer loan applications.
3. Preliminary assessment of the documents provided by the potential borrower for the possibility of providing a loan (authenticity of documents, compliance with the established list, etc.).
4. Conducting an analysis of the financial condition of clients.
5. Preparation of credit reports.
6. Monitoring of existing loans.
7. Registration of loan issuance.
8. Consulting clients on loan repayment issues, including early repayment.
9. Monitoring compliance with sales technologies and customer service standards.
10. Maintenance and accounting support of loan agreements.
11. Formation of internal and external reporting on credit transactions.
12. Participation in the development and implementation of new credit products.
13. [Other job responsibilities].
The lending department specialist has the right to:
1. Get acquainted with the draft decisions of the organization’s management relating to its activities.
2. Demand that the management of the organization provide assistance in the performance of their professional duties and the exercise of rights.
3. For all social guarantees provided for by law.
4. Require the creation of conditions for the performance of professional duties, including the provision of the necessary equipment, inventory, a workplace that complies with sanitary and hygienic rules and regulations, etc.
5. Submit proposals for the management’s consideration to improve the organization and improve the methods of work performed by them.
6. Improve your professional qualifications.
7. [Other rights provided for by labor legislation].
Responsibility
The Lending Department Specialist is responsible for:
1. For failure to perform or improper performance of their job duties provided for by this job description - within the limits determined by the current labor legislation of the Russian Federation.
2. For causing material damage to the employer - within the limits determined by the current labor and civil legislation of the Russian Federation.
Development of proposals for improving the organization’s activities
Credit policy refers to methods of direct economic management and is a set of management decisions that determine the types, conditions, volumes and structure of active operations, as well as methods of their implementation (implementation) and the behavior of the bank in the relevant segments of the financial market.
The role of credit policy in the overall planning of banking activities is extremely large: to a significant extent, it determines the efficiency of the bank’s functioning and its relationship with the real sector of the economy.
The range of risks that influence the balance of credit policy consists of:
Underestimation of the inflation rate.
This risk is directly related to the general economic situation in the country and the need to take it into account when developing credit policy is more than obvious. An assessment of this risk must necessarily form the basis for the formation of interest rates on loans, which in turn must undoubtedly be higher than the existing level of inflation. A peculiarity and at the same time a problem when taking this factor into account is determining the amount by which the interest rate on loans should be greater than the inflation rate. Overestimation of this risk, and therefore an unreasonable increase in the excess of the interest rate over the inflation rate, will lead to loss of income for organizations, and as a result, a decrease in the attractiveness of lending for the real sector of the economy; on the contrary, underestimation of this risk leads to unreasonably low interest rates and a decrease in bank income. A balanced credit policy corresponds to such a level of excess of the interest rate on loans over the prevailing inflation rate in the country, which would ensure that the bank receives income adequate to the client base when carrying out lending and investment operations, and at the same time maintaining the attractiveness of loans for organizations and market participants.
Real assessment of the dynamics of exchange rates used when performing active (lending) and passive (accepting deposits) bank operations.
This risk occurs due to the existence of several currencies in the financial market; until recently, the main currencies when performing active and passive transactions in Russia were the ruble and the US dollar, since 2001. A new currency, the euro, is appearing on the financial market, which from its inception to the present day has been particularly attractive due to a more significant increase in its own exchange rate against the ruble. It is especially important to determine such an important point as: in which currency it is more profitable to lend. A bank’s balanced credit policy must take into account the relationship between exchange rates in a “three-currency” financial system in order to avoid losses. The implementation of the principle of balance in the bank’s credit policy, taking into account the described factor, should be carried out not only through resolving the issue of increasing or decreasing the volume of lending in a particular currency, but also through establishing such interest rates on loans that would compensate for financial losses for the bank as a result depreciation of foreign currencies, and at the same time took into account the long-term needs for foreign currency lending from organizations (depending on the type and place of activity).
Adequacy of the bank's interest and pricing policy in the field of active and passive operations.
Assessment of credit risk and volumes of active and passive transactions.
Unlike the first three external risks, they are internal and, in fact, serve as elements of credit policy.
Thus, a balanced credit policy is a set of the most important elements of banking management in the field of active operations, ensuring a state of balance in the bank’s income and expenses, the balance of demand for credit resources and methods of providing them, and including the assessment of credit risk, management of the interest rate on loans, taking into account inflation levels and foreign exchange rates (currency risk assessment), as well as management of the volume and structure of active operations.
Features of the stages of formation of credit policy and methods of their settlement are given in Table 1.
Table 1. - Features of the stages of formation of credit policy and ways to resolve them
Stages Features in Russian conditions Methods of settlement 1. Resource Limitation of sources and complexity of generating credit resources, deposit insurance system, transfer of budget funds to the Treasury system of the Ministry of Finance of the Russian Federation. - increasing the value of the Bank of Russia N4 standard; - improvement of the deposit insurance system. - a grounded approach to the process of transforming short-term monetary resources into long-term investments.2. Assessing credit risk Poor “quality” and complexity of lending objects, primitive assessment of the creditworthiness of borrowers, imperfection of the process of ensuring loan repayment - the use of effective credit assessment schemes. - improving the process of ensuring repayment of an investment bank loan.3. Interest rate risk manager Ineffective “interest-price strategy” of passive and active operations. - increasing the differentiation of interest rates on short-term and long-term deposits. - increasing the differentiation of interest rates on deposits accepted for a certain period, but with a different amount of the down payment.4. Managing currency risk, inflation “Three-currency” financial system and the presence of difficult-to-predict inflation - calculation of interest rates on deposits and loans, taking into account changes in foreign currency exchange rates and the level of inflation
A model for managing interest rates on loans, which allows you to simultaneously take into account changes in the level of inflation and foreign exchange rates, significantly reduce interest and currency risks and ensure a balanced credit policy.
Performing an individual task in an organization
As an individual assignment, I was asked to work for several days at a retail outlet with a credit specialist, accepting applications for loans; my duties also included advising clients on credit products. The retail outlet was located at Barnaul, Krasnoarmeysky Ave. 58 store DNS.
Applying for a loan consisted of the following stages:
Greeting the client, introducing the bank's loan products;
Calculation of payment and terms;
Creation of an application, notification of the bank’s decision;
Printing documents.
In addition, a report on competitors was also kept, since there were competing banks at the outlet.
At the end of the working day, a transfer and acceptance certificate was drawn up.
During the working day, in addition to filling out applications, they also attracted clients by distributing bank advertisements in the trading floor. (Appendix D)
After writing a report on my internship at Cetelem Bank LLC and a positive review from the manager, I was offered a job as a credit specialist at this outlet.
Conclusion
The industrial practice took place at Cetelem Bank LLC from June 23 to July 5, 2014.
During the internship, the main aspects of the work of Cetelem Bank LLC were reviewed in accordance with the internship program.
During my internship, in accordance with the assigned tasks at the enterprise, I became familiar with the following information about Cetelem Bank LLC:
) I studied the charter of Cetelem Bank LLC;
) Familiarized yourself with the regulatory legal acts on the basis of which the organization operates;
) Analyzed the constituent documents;
) Familiarized with the system of motivation and remuneration;
) Carried out the collection of annual reports of the organization;
) Studied the number of positions in the unit, job descriptions of employees;
) Developed proposals for improving the organization’s activities;
) Completed individual tasks in the organization.
The subject of the enterprise's activity is banking.
Thus, the skills of independent analytical work in using economic documentation and statistical materials necessary for practical activities have been developed and consolidated.
List of sources and literature used
bank constituent charter accounting
Akulich I.L. Marketing/ L.I. Akulich. - 6th ed., revised / - Mn.: 2009.
Dracheva E.L., Yulikov. L.I Management.2003
Korshunova A.S. Business Law, M.: "Prior-Izdat" 2009.
Savitskaya G.V. Analysis of the economic activities of an agro-industrial complex enterprise. Mn., 2003.
Solovyov A.A. Entrepreneur without formation of a legal entity, M.: "Omega" 2010.
I took out a loan from Cetelem 3 times earlier and now I have 4 operating there... and you know, strangely enough, I haven’t had any problems in these 7 years that I have been “contacting” with this Bank... as well as in other Banks never arose. Be careful when signing the contract and many problems will disappear on their own.
As for free repayment channels, they remain: Sberbank online (but only automatic payment) and Elexnet.
As for “I have activated auto payment, let the Bank write off the money itself” - no one can write anything off from your card without your knowledge and consent, except for the Bank to which you confirmed your desire to use this service (that is, Sberbank), Setel has nothing Can't write you off your card!
In the contractual documents there is such a wonderful piece of paper called “Memo for Loan Repayment”, the deadlines for transferring funds through certain repayment channels are clearly stated there. So, online transfer through Sberbank takes, ATTENTION!, UP TO 4 WORKING DAYS! Let me explain: if the money was sent on Friday, then weekends fall outside the transfer period, so they will arrive at the Bank on Wednesday-Thursday. The greatest likelihood of being late with a payment occurs before the New Year and on the May holidays. But this Bank has one good feature: crediting occurs the same day if you pay through the Rapida payment system (cash desks of MVideo, Eldorado, Euroset stores) before 15:00 on the day the funds are debited according to the schedule! Your money will arrive in your account before the end of the working day! (tested, works, I use it sometimes, but mostly auto payment). If you paid after 15:00, then the next business day.
And one more thing, a recommendation for those who use automatic payment: before the last payment, do not forget to turn it off! Otherwise, transfers will also be made with the same frequency.
By the way, another useful information: The bank gives two months to close the account after closing the contract, after this period it begins to charge a commission for servicing the account, 300 rubles. per month.
All the information I have listed, as well as information on the timing and procedure for early repayment, is contained in the document “General Conditions of Issue and Service..” on the Bank’s website with free access, please read.
I usually call the number 8 800 500 55 03, additionally I dial different combinations (106 or 107), but I agree that sometimes it can be difficult to contact the operator. I've never been rude to anyone, I've never encountered it.
In general, the Bank is the same as everyone else... better in some ways, worse in others.
But having such “rich experience in loans” and an excellent credit history in many Banks, most of the problems, I emphasize MOST, not all... so, most of the problems arise through the fault of the consumer, that is, ours..
Cetelem Bank has been operating in Russia for quite a long time; almost every one of us has probably heard about the principles of its work. The peculiarity of the financial company is that it provides cash loans for the purchase of goods from partner stores. You can find points of sale in stores such as M.Video, Eldorado, CSN, Tekhnosila and others. But the bank is expanding the list of financial products for its clients. So, a potential client can take out a cash loan from Cetelem Bank. Let's take a closer look at the terms of service and registration methods.
Loans from Cetelem BankInitially, the bank was created to issue targeted loans for the purchase of goods. To be more precise, its name stands for a loan for the purchase of consumer electronics. Today, a potential user can take advantage of several credit offers, namely a consumer loan and a credit card.
The difference between the bank is that it is quite loyal to each client and makes minimal demands, that is, you can arrange a small amount here without guarantors of collateral and a salary certificate. The minimum package of documents is a passport and a second one to choose from: a driver’s license, international passport, SNILS or TIN.
From all of the above, we can conclude that when searching for a bank as a consumer lending lender, you should definitely consider in more detail the terms of the Cetelem Bank consumer loan today. We will do this later in the article.
Lending termsResidents of the capital and other regions where this bank has a representative office can receive a non-targeted consumer loan. You can get a loan based on an individual offer, that is, if you previously took out a loan here, then Cetelem Bank can, as part of a personal offer, set a maximum loan limit and interest rate for you. If the loan terms suit you, then you just need to call the operator and answer a few questions on the questionnaire. But first you need to study in detail what exactly Cetelem Bank offers its clients. Lending terms:
- amount - from 15,000 to 50,000 rubles;
- terms - from 6 to 60 months;
- rate - from 16.9% per year.
The main requirements for the borrower are age from 21 to 65 years, permanent registration in the Russian Federation and citizenship. But this is not the main thing; to receive funds you need to have a pre-approved decision from the bank; it is also worth understanding that the bank considers as borrowers only those clients who have already applied for a loan before.
Supervisor:
Chairman of the Board: Lykov Andrey Vladimirovich
- is a leader in 5 organizations.
- is a founder in 3 organizations (operating - 2, inactive - 1).
The company with the full name "SETELEM BANK" LIMITED LIABILITY COMPANY was registered on 02/08/2002 in the Moscow region at the legal address: 125124, Moscow, Pravdy Street, building 26.
Registrar "" assigned the company INN 6452010742 OGRN 1027739664260. Registration number in the Pension Fund: 087202004887. Registration number in the Social Insurance Fund: 772701499177271. Number of licenses issued to the company: 2.
Main activity according to OKVED: 64.19.
LicensesLicense date: 06/27/2013
27.06.2013
- Attracting funds from individuals to deposits in rubles and foreign currency, containing banking operations: - attracting funds from individuals to deposits (on demand and for a certain period); - placement of funds attracted to deposits (on demand and for a certain period) of individuals on their own behalf and at their own expense; - opening and maintaining bank accounts for individuals; - making money transfers on behalf of individuals through their bank accounts
License date: 06/27/2013
License start date: 06/27/2013
Name of the licensed type of activity for which the license was issued:
- Carrying out banking operations with funds in rubles and foreign currency (without the right to attract funds from individuals to deposits): - attracting funds from legal entities to deposits (on demand and for a certain period); - placement of funds attracted into deposits (on demand and for a certain period) of legal entities on their own behalf and at their own expense; - opening and maintaining bank accounts for legal entities; - making money transfers on behalf of legal entities, including correspondent banks, through their bank accounts; - collection of funds, bills, payment and settlement documents and cash services for individuals and legal entities; - purchase and sale of foreign currency in cash and non-cash forms; - issuance of bank guarantees; - making money transfers without opening bank accounts, including electronic money (with the exception of postal transfers)
Name of the licensing authority that issued or reissued the license:
- DEPARTMENT OF LICENSING ACTIVITIES AND FINANCIAL RECOVERY OF CREDIT INSTITUTIONS
Address: 620014, Sverdlovsk region, Yekaterinburg, Khokhryakova street, 10
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UAH: 1027739664260
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Duties No. 39 for Moscow, No. 7739
Reason for changes: Entering into the Unified State Register of Legal Entities information about a legal entity registered before July 1, 2002
GRN: 2027744006387
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Duties No. 44 for Moscow, No. 7744
Reason for changes:
GRN: 2037711007618
Tax authority:
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
GRN: 2037711013536
Tax authority: Department of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for changes:
GRN: 2047711000874
Tax authority: Department of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- Changes and additions No. 7 made to the Charter
- Amendments and Additions No. 8 made to the constituent agreement
- Protocol
- Statement on state approval of changes made to the constituent documents of a legal entity
- Payment order
GRN: 2047711001897
Tax authority: Department of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for changes:
GRN: 2047711001908
Tax authority: Department of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for changes: Submission by the licensing authority of information on granting a license
GRN: 2047711010610
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
GRN: 2057711000587
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2057711004481
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- Legal Entity Charter
- Foundation agreement of the legal entity
- Extract from protocol No. 59
- payment order No. 156
GRN: 2057711004492
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2057711012137
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- Changes No. 1
- Changes No. 1
- Extract from Protocol No. 61
GRN: 2057711012148
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
GRN: 2057711013743
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- Changes No. 2
- Changes No. 2
- Protocol No. 64
GRN: 2067711001895
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes:
Documentation:
- P14001 Application for correction of errors, admitted in other registration documents
GRN: 2067711004667
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Application for amendment of information included in the constituent document.
- Payment order
- Changes No. 3 to the Memorandum of Association
- Changes No. 3 to the Charter
- Minutes of the Extraordinary General Meeting
GRN: 2067711004678
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2067711004304
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: Amendments to information about a legal entity contained in the Unified State Register of Legal Entities due to errors made by the registration authority
GRN: 2077711002840
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2077711004875
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Application for amendment of information included in the constituent document.
- Document confirming payment of state duty
- protocol No. 3/07
- change No. 4, in the Charter of a legal entity
- change No. 4, in the Memorandum of Association of a legal entity
GRN: 2087711000078
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Application for amendment of information included in the constituent document.
- Changes No. 5 made to the Charter
- Solution No. 1
- Payment order
GRN: 2087711000089
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2087711001079
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2087711002124
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Application for amendment of information included in the constituent document.
- Changes No. 6 made to the Charter
- Decision No. 1/08 (copy)
- Payment order (copy)
GRN: 2087711003433
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes:
GRN: 2087711003444
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission by the licensing authority of information on the re-issuance of documents confirming the availability of a license (information on the extension of the license)
GRN: 2087711003807
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes:
UAH: 2087711008240
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Application for amendment of information not related to the constituent document.
GRN: 2097711018260
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Statement on changes made to the constituent documents
- Charter
- Decision No. 9/09
- Document confirming payment of state duty
UAH: 2127711001570
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
GRN: 2127711003484
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Statement on changes in information not related to changes. constituent documents (clause 2.1)
GRN: 2127711005937
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the changes: State registration of changes made to the charter of the limited liability company in order to bring it into compliance with the provisions of Federal Law No. 312-FZ of December 30, 2008
Documentation:
- P13001 Statement on changes made to the constituent documents
- Changes No. 1 made to the Charter
- Decision No. 01/12
- Copy of the Special Power of Attorney
- Document confirming payment of state duty
UAH: 2127711008258
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Statement on changes in information not related to changes. constituent documents (clause 2.1)
GRN: 2127711014693
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Statement on changes in information not related to changes. constituent documents (clause 2.1)
GRN: 2127711015122
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Statement on changes in information not related to changes. constituent documents (clause 2.1)
UAH: 2127711015408
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on registration of a legal entity as an insurer in the territorial body of the Pension Fund of the Russian Federation
GRN: 2127711017619
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Amendments to information about a legal entity contained in the Unified State Register of Legal Entities due to errors made by the applicant in a previously submitted application
Documentation:
- P14001 Application for correction of errors made in documents previously submitted for registration
- Copy of Letter from KB "BNP Paribas Vostok" LLC No. 1975
- Letter from KB "BNP Paribas Vostok" LLC
- Copy of EXTRACT FROM THE COMMERCIAL REGISTER OF PARIS
GRN: 2127711019203
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Statement on changes in information not related to changes. constituent documents (clause 2.1)
GRN: 2137711004154
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Statement on changes made to the constituent documents
- Changes No. 2 made to the Charter
- Extract from Protocol No. 01/13
- Document confirming payment of state duty
GRN: 2137711004165
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 Statement on changes in information not related to changes. constituent documents (clause 2.1)
GRN: 2137711007113
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 Statement on changes made to the constituent documents
- Charter
- Extract from Protocol No. 03/13
- Document confirming payment of state duty
UAH: 2137711008279
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission by the licensing authority of information on the re-issuance of documents confirming the availability of a license (information on the extension of the license)
Documentation:
UAH: 2137711008280
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission by the licensing authority of information on the re-issuance of documents confirming the availability of a license (information on the extension of the license)
Documentation:
- LO document on renewal of license
UAH: 2137711012800
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
UAH: 2137711015550
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS
- Letter from Cetelem Bank LLC
GRN: 2147711000138
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT ABOUT CHANGES MADE TO THE CONSTITUTIONAL DOCUMENTS
- CHANGES No. 1 MADE TO THE CHARTER
- DOCUMENT ON PAYMENT OF THE STATE FEES
- EXTRACT FROM PROTOCOL No. 06/13
GRN: 2157700088291
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT ABOUT CHANGES MADE TO THE CONSTITUTIONAL DOCUMENTS
- CHANGES No. 2 MADE TO THE CHARTERS
- EXTRACT FROM PROTOCOL No. 01/15
- EXTRACT FROM PROTOCOL No. 04/15
UAH: 2167700065707
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2167700127384
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
UAH: 2167700160307
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes:
GRN: 2167700177764
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Amendments to the information contained in the Unified State Register of Legal Entities in connection with the renaming (resubordination) of address objects
UAH: 2167700248550
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
UAH: 2167700475480
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on registration of a legal entity as an insurer in the executive body of the Social Insurance Fund of the Russian Federation
UAH: 2177700047160
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on registration of a legal entity with the tax authority
GRN: 2177700146061
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT ABOUT CHANGES MADE TO THE CONSTITUTIONAL DOCUMENTS
- CHANGES No. 3 MADE TO THE CHARTER
- EXTRACT FROM MINUTES No. 01/17 OF THE EXTRAORDINARY GENERAL MEETING OF PARTICIPANTS
- DOCUMENT ON PAYMENT OF THE STATE FEES
UAH: 2177700187036
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2177700381164
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700347569
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on the issuance or replacement of identity documents of a citizen of the Russian Federation on the territory of the Russian Federation
GRN: 2187700424547
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT ABOUT CHANGES MADE TO THE CONSTITUTIONAL DOCUMENTS
- CHANGES No. 4 MADE TO THE CHARTER
- EXTRACT FROM PROTOCOL No. 03/18
- DOCUMENT ON PAYMENT OF THE STATE FEES
GRN: 2187700424635
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700459043
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700493980
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700509423
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700658121
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700678042
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
GRN: 2187700678064
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ABOUT CHANGING INFORMATION NOT RELATED TO CHANGES. ESTABLISHMENT OF DOCUMENTS (Clause 2.1)
UAH: 2197700096240
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes:
GRN: 2197700110364
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- LETTER
- APPLICATION ON FORM P14001
GRN: 2197700111244
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on registration of a legal entity with the tax authority at the location of the branch/representative office
GRN: 2197700151878
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION ON FORM P14001
GRN: 2197700152813
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on registration of a legal entity with the tax authority at the location of the branch/representative office
GRN: 2197700243508
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION ON FORM P14001
GRN: 2197700243926
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Submission of information on registration of a legal entity with the tax authority at the location of the branch/representative office
UAH: 2197700297100
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for changes: Changes in information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION ON FORM P14001