Category: Центральный банк России

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Financial news: Notice of liquidation, AB “ASPECT” (JSC)

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

Full company name

JOINT-STOCK BANK “ASPECT” (Joint-Stock Company)

Abbreviated company name

AB “ASPEKT” (JSC)

Registration number

608

Date of registration by the Bank of Russia

10/26/1990

Primary state registration number

1027739326207 (07.10.2002)

Address from the charter

129327, Moscow, st. Lenskaya, 28

Actual address

129327, Moscow, st. Lenskaya, 28

Charter

Date of approval of the latest version of the charter: 01.12.2015, agreed changes to the charter: other changes (20.12.2018)

Authorized capital

RUB 45,300,000.00, date of change in the authorized capital: 01.11.2002

License (date of issue/last replacement)Banks with a basic license are banks that have a license that has the word "basic" in its name. All other active banks are banks with a universal license.

The license was revoked by the order of the Bank of Russia OD-809 dated 12.04.2019

Participation in the deposit insurance system

Yes

Brand name in English

Joint Stock Bank “Aspect”, “Aspect – Bank”

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: Summary table of proposals and comments on the draft Bank of Russia instruction

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

Public discussion

Draft regulatory documents of the Bank of Russia for public discussion

Summary table of proposals and comments on the draft Bank of Russia instruction "On Amendments to Bank of Russia Instruction dated April 10, 2023 No. 6406-U"

Draft regulation of the Bank of Russia "On the requirements for targeted internal control rules to combat the legalization (laundering) of proceeds from crime, the financing of terrorism, extremist activity and the financing of the proliferation of weapons of mass destruction, on the qualification requirements for special officials responsible for the implementation of targeted internal control rules to combat the legalization (laundering) of proceeds from crime, the financing of terrorism, extremist activity and the financing of the proliferation of weapons of mass destruction, and on the procedure for informing organizations carrying out transactions with funds or other property that are members of a banking group or banking holding company, on the introduction of the ban specified in Part Two of Article 13 of Federal Law No. 115-FZ of August 7, 2001 "On Combating the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism"

Draft Bank of Russia instruction "On the procedure for notification by a bank (other credit institution) of the opening or closing of an account, of a change in account details, of a change in account details in electronic form to the territorial body of the insurer"

Draft Bank of Russia Instruction “On Amending Bank of Russia Instruction No. 3701-U of June 29, 2015 “On the Procedure for Sending Requests and Receiving Information from the Central Catalog of Credit Histories by Submitting a Request through a Notary”

Draft Bank of Russia Instruction “On Amendments to Bank of Russia Instruction No. 135-I of April 2, 2010”

Draft Bank of Russia Instruction "On the cases and procedure for partial redemption of investment units of a closed-end mutual investment fund without the owner of the investment units submitting a request for their redemption"

Draft Bank of Russia Instruction "On Amendments to Bank of Russia Instruction No. 6568-U dated October 6, 2023"

Summary table of comments and suggestions on the draft Bank of Russia instruction "On Amendments to Bank of Russia Instruction dated September 18, 2017 No. 4533-U"

Summary table of comments, suggestions and questions on the draft Bank of Russia Instruction “On types of assets, characteristics of types of assets for which risk coefficient surcharges are established, and on the application of surcharges to the specified types of assets when credit institutions determine capital adequacy standards”

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: Payment for purchases via SBP is growing in popularity

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

The number of companies that connected payments via the Fast Payment System (FPS) exceeded 2.5 million by the end of Q2 2025. Their clients paid for purchases totaling 2.2 trillion rubles in this way from April to June. This is 1.4 times more than in the same period last year.

In total, bydata According to the Bank of Russia, 4.6 billion transactions worth 24.8 trillion rubles were processed through the SBP in the second quarter of 2025. Almost a third of them were for payment for goods and services. Every day, trade and service companies accept an average of 15 million payments through the SBP. Small businesses continue to be the most active in connecting to this payment method. A third of such companies work with the SBP.

The number (1.5 times) and the amount (1.4 times) of payments that citizens received through the SBP from insurance companies, brokers and other legal entities, including in the form of cashback, increased.

Preview photo: romain-jorge / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: Data on average market values of maximum yield on deposits of individuals

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

Calculation by banks of the maximum yield on attracted deposits for the purpose of submitting information on the maximum yield on attracted deposits to the Bank of Russia as part of the reporting is carried out in accordance with the Procedure for compiling and submitting reports on form 0409119 "Data on the maximum yield on deposits of individuals", established by Appendix 1 to Bank of Russia Instruction dated 10.04.2023 No. 6406-U "On the forms, terms, procedure for compiling and submitting reports of credit institutions (banking groups) to the Central Bank of the Russian Federation, as well as on the list of information on the activities of credit institutions (banking groups)" (taking into account the changes provided for by Bank of Russia Instruction dated 10.07.2024 No. 6800-U "On Amendments to the Bank of Russia Instruction dated April 10, 2023 No. 6406-U".

Based on the specified information, the Bank of Russia calculates the average market value of the maximum yield on deposits of individuals by type of deposit on a monthly basis and publishes it for informational purposes in the subsection “Banking sector” of the section “Statistics”.

The average market value of the maximum yield on deposits of individuals is determined by the Bank of Russia as the average value of the maximum yield on deposits attracted in banks that attracted, over the past calendar month, in total two-thirds of the total volume of corresponding deposits in banks of the Russian Federation.

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: Self-employed and SMEs will be able to apply for credit holidays

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

Holidays can be taken once every 5 years for a period of 6 months for each of the loans, if the entrepreneur has several of them. The corresponding law State Duma accepted immediately in the second and third readings.

The deferment of payments will also be allowed to entrepreneurs who received loans under preferential lending programs for small and medium-sized businesses. The holidays will be available to enterprises operating in any industry if they need a break in servicing the loan, regardless of whether their revenue has decreased or not.

The grace period will be approved if the amount of the loan or credit does not exceed the established values: for microenterprises – 60 million rubles, for small enterprises – 400 million rubles, for medium-sized enterprises – 1 billion rubles. A self-employed person will be able to apply for a loan holiday in the amount of up to 10 million rubles. The Russian government may revise these limits in the future.

During the grace period, interest will be accrued at the rate stipulated by the agreement and capitalized monthly. Holidays will also be allowed for those agreements that were concluded before the law was adopted, but not earlier than March 1, 2024.

The law will come into force on October 1, 2025. The adoption of the law does not limit the right of banks to provide SMEs with restructuring and holidays under their own programs.

Preview photo: Stratos Giannikos / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: Final XBRL taxonomy of the Bank of Russia (version 7.1 for NSO)

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

The final XBRL taxonomy of the Bank of Russia (version 7.0), in comparison with the preliminary XBRL taxonomy of the Bank of Russia (version 7.0), contains architectural amendments to the supervisory and statistical reporting module, as well as control ratios of indicators of supervisory and statistical reporting of non-credit financial institutions, entities providing professional services in the financial market, and self-regulatory organizations in the financial market (hereinafter referred to as financial market participants).

The final XBRL taxonomy of the Bank of Russia (version 7.0) contains a finalized set of requirements for reporting data in terms of supervisory and statistical reporting for the following segments:

1) insurance organizations, mutual insurance societies, foreign insurance organizations (subject to the entry into force of the draft Bank of Russia instruction1);

2) non-state pension funds (subject to the entry into force of the draft Bank of Russia instruction2);

3) professional participants in the securities market, trade organizers, clearing organizations (subject to the entry into force of the draft Bank of Russia instruction3);

4) joint-stock investment funds, investment fund management companies, mutual investment funds, non-state pension funds (subject to the entry into force of the draft Bank of Russia instruction4);

5) specialized depositories (subject to the entry into force of the draft Bank of Russia instruction5);

6) credit rating agencies (subject to the entry into force of the draft Bank of Russia instruction6);

7) insurance brokers (subject to the entry into force of the draft Bank of Russia instruction7);

8) credit history bureau (subject to the entry into force of the draft Bank of Russia instruction8);

9) operators of investment platforms, operators of financial platforms, operators of information systems in which digital financial assets are issued, operators of digital financial asset exchange (subject to the entry into force of the draft Bank of Russia instruction9);

10) payment acceptance operators (subject to the entry into force of the draft Bank of Russia instruction10);

11) self-regulatory organizations in the financial market (submission in accordance with the current Bank of Russia Instruction dated 10.06.2024 No. 6744-U11).

The final XBRL taxonomy of the Bank of Russia (version 7.0) also contains a finalized set of requirements for reporting data on cash transactions (OKUD 0420011) (presentation in accordance with the current Bank of Russia Instruction dated 28.06.2024 No. 6789-U12) and requirements for reporting data of annual consolidated financial statements (presentation in accordance with the current Bank of Russia Instruction dated 20.07.2020 No. 5510-U13).

The specified version of the XBRL taxonomy of the Bank of Russia is intended for familiarization purposes.

In the future, it is planned to publish a corrective version of the final XBRL taxonomy of the Bank of Russia (version 7.1), which will include corrected control ratios and other targeted improvements, with a planned entry into force date of 01.01.2026.

Information about the pilot collection of test reporting will be provided additionally.

Please note that the final XBRL taxonomy of the Bank of Russia (version 7.0) does not contain requirements for the accounting (financial) reporting of non-credit financial institutions and persons providing professional services in the financial market.

1 The project of instructions of the Bank of Russia “On the Forms, Dates and Procedure of the Compilation and Presentation of the Reporting of Insurers to the Bank of Russia.” The project of the Bank of Russia “On Amending the Bank of Russia dated June 28, 2024 No. 6796-U”. and clearing organizations, as well as other information. ”4 Project of the Bank of Russia instructions“ On Amending the Bank of Russia dated October 5, 2022 No. 6292-U. ”Design of indicating the Bank of Russia“ On Amending the Bank of Russia dated September 27, 2022 No. 6270-U. ”The draft of the Bank of Russia instruction“ On the content of the reporting of the credit rating agency, the subject, form, form and form of terms and procedure, form, form and manner. its compilation and submission to the Bank of Russia. ”The project of instructions of the Bank of Russia“ On Amendments to the Bank of Russia dated June 28, 2024 No. 6795 ”.8 The draft Bank of Russia instructions“ On Amending the Bank of Russia dated September 27, 2022 No. 6267-U. ”9 Draft of the Bank of Russia instructions “On the procedure and the terms for the procedure and submission to the Bank of the reports of investment operators platforms, reporting of financial platforms operators, information systems operators in which digital financial assets are issued, digital financial assets exchange operators, reports of investment platform operators and the composition of the information included in them, financial platform operators, as well as the procedure for reporters of investment platforms, financial platform operators, and information operators. systems in which digital financial assets are issued, information exchange operators to the Bank of Russia information about persons who are entrusted with identification, simplified identification, updating information about customers, customer representatives, beneficiaries and beneficial owners .10 Project of the Bank of Russia “On the form, Preject of drawing up, terms and procedure for submitting to the Bank of Russia Bank reports of operators for receiving payments, on the procedure for the report of the Bank of Russia, information about persons who are entering the receipt of identification, updating information about clients, customer representatives, beneficiaries and beneficial owners .11 Bank of Russia indication dated 10.06.2024 No. 6744-U “On the content, forms, procedure and terms for compiling and submission to the Bank of Russia in the Bank of Russia Reporting of a self-regulatory organization in the field of the financial market. ”12 Bank of Russia indication dated 06.28.2024 No. 6789-U “On the forms, terms and procedure for drawing up and submission to the Bank of Russia reports on transactions with cash funds of individual non-credit financial organizations. ”13 Bank of Russia indication dated 20.07.2020 No. 5510-U“ On the Procedure and Dates for submission to the Russian Banking Bank Consolidated financial statements by organizations specified in paragraphs 2-5 of part 1 of Article 2 of the Federal Law of July 27, 2010 No. 208-ФЗ “On Consolidated Financial Reporting”.

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: Mortgages continued to grow steadily in June.

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

According to preliminary data, the population's mortgage debt increased by 0.6% over the month after 0.5% in May. The bulk of loans issued are still accounted for by state programs.

The consumer loan portfolio decreased by 0.4% after near-zero dynamics in May, including due to a halt in the growth of debt on credit cards.

Taking into account investments in bonds, banks' claims on companies grew by 0.9% in June (0.4% a month earlier). Ruble loans increased mainly (0.7%), with a significant portion of the increase coming from housing developers.

Household funds in banks increased by a noticeable 1.5% after the seasonally weak dynamics of May (0.2%). Corporate funds, on the contrary, decreased slightly (-0.2% after 0.4% in May).

The sector's profit (excluding dividends from Russian subsidiary banks) for the month amounted to 392 billion rubles, which is one third higher than the May result. However, the growth is mainly due to a one-time release of reserves and is not indicative. Since the beginning of the year, banks have earned 1.7 trillion rubles, as in the same period last year.

Read more in the information and analytical material "On the development of the banking sector of the Russian Federation in June 2025".

Preview photo: Fahroni / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: The Bank of Russia is improving approaches to calculating standards.

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

From August 18, 2025, banks will begin calculating capital adequacy standards according to new instructions from the Bank of Russia No. 220-I And No. 221-I.

The new rules imply the transition of all banks with a universal license to a finalized (more risk-sensitive) approach to calculating capital adequacy standards. The standard approach will be retained for banks with a basic license and non-bank credit institutions.

Other important changes include:

— the criteria for classifying borrowers as investment grade have been improved (in particular, a condition has been added for having a credit rating of at least “A”), to which a reduced risk weight is applied;

— differentiated risk weights have been introduced for loans to subjects and municipalities of Russia depending on the level of credit rating from Russian rating agencies, and in its absence, on the level of debt sustainability as assessed by the Ministry of Finance of Russia (in the future, it is planned to completely switch to credit ratings);

— risk weights for mortgage loans at the construction stage are equal to those used for mortgages on completed housing, and those, in turn, are calibrated based on default statistics;

— when calculating macroprudential premiums, a single multiplicative approach will be applied both for banks using approaches to risk assessment based on internal ratings and for other banks;

— further important steps have been taken to address the problem of credit concentration: firstly, under repo transactions the risk will be considered to be on the issuer of securities accepted as collateral if the borrower's rating is below "AA"; secondly, banks will be able to transfer the concentration risk from the borrower to a reliable guarantor/surety/issuer of securities accepted as collateral.

The changes will help to more accurately assess risks, will help to level the playing field for competition, and will also support balanced growth in lending to the economy.

To make it easier for banks to adapt to the new regulations, some of the innovations will only apply to new loans, that is, those issued after August 18, 2025.

Preview photo: focal point / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial news: The Bank of Russia has clarified the criteria for obtaining the status of a qualified investor

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

The income level has been specified as an independent criterion for obtaining the status of a qualified investor: it must be at least 12 million rubles per year over the past 2 years. In combination with other criteria – complicated testing, education or an academic degree – the requirement is reduced to 6 million rubles. Income from the sale of real estate will not be taken into account. Such parameters are defined inindication Bank of Russia, which was registered by the Ministry of Justice.

According to the educational criterion, instead of the current requirement for higher economic education, a list of specialties and areas of training is established, including in combination with the income or property criterion. Thus, a person can become a qualified investor if he received an education in the specialty "Accounting, Analysis and Audit" or "Taxes and Taxation" and his average annual income is 6 million rubles. International certificates, which are already used as requirements for investment advisers, have been added to the list of certificates taken into account when recognizing an investor as qualified.

The parameters of the property criterion have not changed: now the minimum amount of assets that a person must own is 12 million rubles, and from January 1, 2026, it will increase to 24 million rubles. But in combination with other criteria, the requirements will be 2 times less – 6 million and 12 million rubles, respectively.

The regulation will come into force on July 28, 2025.

Preview photo: Vitalii Vodolazskyi / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Financial News: Regional Economy Report: Economic Activity Growth Moderates

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

In May and June, growth in production and consumption became more moderate. However, the situation was uneven across industries and regions.

More restrained dynamics of demand in the housing market reduced the launch of new projects in many regions of the country, furniture production in Central Russia and the Volga region decreased. At the same time, cargo turnover of the ports of the Far East increased again, the output of meat and dairy enterprises in the Urals and the North-West remained at a high level. In Siberia, after 2 years of growth, the volumes of paper and paper products production stabilized, including due to difficulties with export.

Special topics of this issue are the dynamics of import deliveries and stocks, the situation on the labor market, and the passenger car market.

Read more in the July report "Regional Economy: State University Comments".

Preview photo: Donat Sorokin / TASS

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.