RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF BELARUS

of October 2, 2024 No. 310

About change of the resolution of Board of National Bank of the Republic of Belarus of June 22, 2018 No. 291

Based on the paragraph of the fourth of Article 4, of paragraphs two, third, the eighth, the ninth, tenth and eleventh Article part two 6, of Article 7, of Article part one 8, of Article part one 9, of Article part four 10, of Article 11, of parts two, the fourth, fifth, eleventh, fourteenth and sixteenth Article 13, of Article part five 14, of the paragraph of the sixth of article 15 of the Law of the Republic of Belarus of November 10, 2008 No. 441-Z "About credit stories", the Board of National Bank of the Republic of Belarus DECIDES: parts one of article 39 of the Bank code of the Republic of Belarus

1. Bring in the resolution of Board of National Bank of the Republic of Belarus of June 22, 2018 No. 291 "About forming of credit stories and provision of credit reports" the following changes:

state preamble in the following edition:

"Based on the paragraph of the fourth of Article 4, of paragraphs two, third, the eighth, the ninth, tenth and eleventh Article part two 6, of Article 7, of Article part one 8, of Article part one 9, of Article part four 10, of Article 11, of parts two, the fourth, fifth, eleventh, fourteenth and sixteenth Article 13, of Article part five 14, of the paragraph of the sixth of article 15 of the Law of the Republic of Belarus of November 10, 2008 No. 441-Z "About credit stories", the Board of National Bank of the Republic of Belarus DECIDES: parts one of article 39 of the Bank code of the Republic of Belarus";

in the Instruction about procedure for submission of the data which are part of credit history in form 2501 "The data which are part of the credit history" approved by this resolution:

in item 4:

in part one "provision" to replace the word with the word "representation";

the second after the word of "divisions" to add part with the words "and (or) workers";

in Item 5 to replace the word of "XML document" with the word of "document";

exclude Item 6;

state Item 11 in the following edition:

"11. Forms 25014 and 25018 are constituted in cases of change of conditions of credit deal, making of actions for obligation fulfillment for credit deal, changes of data on assessment by bank of risk on corresponding to asset and (or) obligations of bank which are not reflected in balance sheet accounts (further – contingent obligation) or their parts.";

add Item 11-1 with part of the following content:

"Credit history joins data under the agreements containing condition about delay or payment by installments of payment of goods (works, services) (further – the agreement of commercial loan), signed after date, with which according to the signed agreement of information exchange the legal entity realizing goods (works, services) on the terms of delay or payment by installments of payment (further – the organization providing payment by installments (delay)) represents data to the Credit register.";

to add paragraph two of Item 12 with the words "or from the data received from interbank system of identification if identification of the subject of credit history on remote basis without its personal presence is carried out";

add Item 22 with part of the following content:

"In case of absence at source of forming of credit history of data on core activity of the debtor, the rights to claim against which are acquired by bank under the agreement of financing under concession of monetary claim (the agreement of factoring) (further, – the agreement of factoring), the detail "Core activity" of the debtor is filled with the designation "Z-core activity is not established according to OKRB 005-2011".";

add Item 23 with words ", " the agreement of commercial loan";

in Item 25 part two:

"financings under concession of monetary claim (factoring) (further – the agreement of factoring)" to replace words with the word of "factoring";

after the words "The Amount of the Monetary Claim Yielded to Bank" to add with words ", " the amount of the provided payment by installments (delay) of payment of goods (works, services)";

add the Instruction with Item 25-1 of the following content:

"25-1. The detail "Availability in the Contract of Condition on Loan Granting for Refinancing of the Credit" is filled according to the credit agreements and agreements containing conditions of overdraft crediting, concluded since January 5, 2025, one of the following designations: "Yes, in full amount" (the loan in full amount is granted on refinancing of the credit), "Yes, partially" (the loan is partially granted on refinancing of the credit), "No".";

in part two of Item 26 of the word "or to the loan agreement" shall be replaced with words ", to the loan agreement or the agreement of commercial loan";

to exclude from Item 33 of the word "and to the transactions which are not reflected in balance";

in Item 37:

the second offer of part one to exclude;

in part three of the word "about classification of asset and (or) contingent obligation" shall be replaced with words "about assessment by bank of risk on asset and (or) contingent obligation or their part (further – data on assessment by bank of risk on asset and (or) contingent obligation)";

add Item with part of the following content:

"Data on assessment by bank of risk on contingent obligation or its part are reflected concerning obligations of bank on provision of money.";

in Item 38:

in part one of the word "and payment for use of the credit (loan), according to the monetary commitments and remuneration which are subject to payment to factor in case of the hidden factoring on payment of monetary claims about compensation under contracts of factoring with the right of the return requirement (regress), on the yielded factor (bank) to monetary claim in case of open factoring or under the agreement of factoring transaction" shall be replaced with words "for use of the credit (loan), on payment by the creditor of monetary claims about compensation under the contract of factoring with the right of the return requirement (regress), on the yielded factor (bank) to monetary claim";

from part two of the word "and to the transactions which are not reflected in balance" to exclude;

add the Instruction with Item 39-1 of the following content:

"39-1. The details "Basis of Termination of the Contract", "Basis of Discharge of the Debtor" are filled with one of the following designations: "The termination by execution – voluntarily the subject of credit history", "The termination by execution – voluntarily the third party", "The termination by execution – in enforcement proceeding", "The termination by execution – different way of execution", "The termination by a court decision", "Forgiveness of debt", "The termination as a result of discharge due to ensuring obligation fulfillment of it", "The termination owing to receipt of insurance payment from the insurer", "Provision of compensation", "The termination on other bases, stipulated by the legislation", "Concession of rights to claim", "Transfer (transition) of debt", "Exception of the microfinancial organization of the register of the microfinancial organizations", "The implementation termination by source of forming of credit history of microfinancial activities", "Exception of the leasing organization of the register of the leasing organizations", "Exception of the operator of service of online borrowing of the register of operators of services of online borrowing", "Liquidation of source of forming of credit history", "The termination (termination) of the agreement of information exchange signed with source of forming of credit history".";

state Item 43 in the following edition:

"43. In case of liquidation of bank, the special financial organization, the legal entity who acquired the right to claim on credit deals at other sources of forming of credit stories, the organization providing payment by installments (delay) and being source of forming of credit history and also in case of the termination or agreement cancelation of the information exchange concluded with the source of forming of credit history which is the organization providing payment by installments (delay) in the credit deals created by appropriate source of forming of credit history and which are not stopped at the time of its liquidation, the National Bank specifies data on date of liquidation of this source of forming of credit history or on the termination (termination) of the agreement of information exchange respectively. In this case credit deals, obligations of the debtor for the purposes of forming of credit stories are considered as stopped. The details "Date of Termination of the Contract", "Date of Discharge of the Debtor" are filled according to date of liquidation of appropriate source of forming of credit history or date of the termination (termination) of the agreement of information exchange respectively.";

add the Instruction with Item 45 of the following content:

"45. Under agreements of open factoring, data on which contain in credit history of the debtor and the obligation of the debtor on which are stopped as of January 5, 2025, the detail "Date of Discharge of the Debtor" is filled with the designation "04.01.2025".";

in appendix 1 to this Instruction:

in the text of appendix of the word "and to the transactions which are not reflected in balance" to exclude;

in form 25011 "The information about the subject of credit history – physical person":

in Item 11:

add Item with subitem 11.6-1 of the following content:

"11.6-1. Availability in the contract of condition on loan granting for refinancing of the credit";

in subitem 11.9 of the word "Data on Classification of Asset and (or) Contingent Obligation" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

in Item 12:

add Item with subitem 12.6-1 of the following content:

"12.6-1. Availability in the contract of condition on loan granting for refinancing of the credit";

in subitem 12.9 of the word "Data on Classification of Asset and (or) Contingent Obligation" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

to add subitem 15.6.1 of Item 15 and subitem 16.7.1 of Item 16 with words ", including the individual entrepreneur";

in subitem 17.11 of Item 17 and subitem 20.8 of Item 20 of the word "Data on Classification of Asset and (or) Contingent Obligation" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

in subitem 18.10 of Item 18 of the word "Data on Classification of Asset and (or) Contingent Obligation (for the Hidden Factoring)" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

in Item 19:

to exclude from paragraph one of the word "in case of open factoring";

add Item with subitem 19.5-1 of the following content:

"19.5-1. Data on the notification of the debtor on transition of the rights of the creditor to factor";

add Item with subitem 19.7-1 of the following content:

"19.7-1. The information about the subject of credit history who is the creditor who yielded rights to claim against the debtor

19.7-1.1. The information about the subject of credit history – physical person, including the individual entrepreneur

19.7-1.1.1. Surname

19.7-1.1.2. Own name

19.7-1.1.3. Middle name (if that is available)

19.7-1.1.4. Identification number

19.7-1.1.5. Number, month, year of birth

19.7-1.1.6. Data on the identity document of the foreign citizen or stateless person

19.7-1.1.6.1. Document type

19.7-1.1.6.2. Series (in the presence) and number

19.7-1.1.6.3. Date of issue

19.7-1.2. The information about the subject of credit history – the legal entity, the foreign organization, not being the legal entity on foreign law

19.7-1.2.1. Name

19.7-1.2.2. Registration number in the Single state register of legal entities and individual entrepreneurs (for the legal entity of the Republic of Belarus)

19.7-1.2.3. Data on creation (registration) of the foreign legal entity, the foreign organization, not being the legal entity on foreign law, from the document confirming their status

19.7-1.2.3.1. Date of creation (registration)

19.7-1.2.3.2. Number of creation (registration)

19.7-1.2.4. Accounting number of the payer";

in subitem 19.8 of the word "Data on Classification of Asset and (or) Contingent Obligation" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

add form with Item of 21 following contents:

"21. Data on the agreement of commercial loan

21.1. Type of credit deal

21.2. Agreement number

21.3. Date of the conclusion of the agreement

21.4. The amount of the provided payment by installments (delay) of payment of goods (works, services)

21.4.1. Amount

21.4.2. Name of currency

21.5. The term of return of the provided payment by installments (delay) of payment of goods (works, services)

21.6. Method of ensuring obligation fulfillment under the agreement";

in form 25012 "The information about the subject of credit history – physical person (the conclusion of the subsequent credit deal)":

in item 4:

add Item with subitem 4.6-1 of the following content:

"4.6-1. Availability in the contract of condition on loan granting for refinancing of the credit";

in subitem 4.9 of the word "Data on Classification of Asset and (or) Contingent Obligation" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

in Item 5:

add Item with subitem 5.6-1 of the following content:

"5.6-1. Availability in the contract of condition on loan granting for refinancing of the credit";

in subitem 5.9 of the word "Data on Classification of Asset and (or) Contingent Obligation" shall be replaced with words "Data on assessment by bank of risk on asset and (or) contingent obligation";

to add subitem 8.6.1 of Item 8 and subitem 9.7.1 of Item 9 with words ", including the individual entrepreneur";

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