INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of May 26, 2025 No. 221-I

About obligatory standard rates of banks with the basic license and about implementation by the Bank of Russia of supervision of their observance

This Instruction based on Article part one 19, parts three of article 24 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ), Article parts one 56, Items 3, 5, 6 and 11 parts one of Article 62, parts one and the second article 72 and part thirteen of article 74 of the Federal Law of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)", and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of May 16, 2025 No. PSD-15) establish techniques of determination and numerical values of obligatory standard rates of banks with the basic license, and also procedure by the Bank of Russia of supervision of their observance.

Chapter 1. General provisions

1.1. The bank with the basic license (further - bank) shall observe techniques of determination and numerical values of the following obligatory standard rates (further - obligatory standard rates):

standard rates of sufficiency of own means (capital) of bank: standard rate of sufficiency of own means (capital) of bank (H1.0), standard rate of sufficiency of fixed capital of bank (H1.2);

standard rate of current liquidity of bank (N 3);

the standard rate of the maximum extent of risk on one borrower or group of the connected borrowers (N 6);

the standard rate of the maximum extent of risk on the face (group of the faces tied with bank) tied with bank (N 25).

1.2. Obligatory standard rates of banks are calculated using the provisions provided by Items 1.3 - 1.4 Instructions of the Bank of Russia of May 26, 2025 No. 220-I "About obligatory standard rates and allowances to standard rates of sufficiency of own means (capital) of banks with the universal license and about implementation by the Bank of Russia of supervision of their observance" <1> (further - the Instruction of the Bank of Russia No. 220-I).

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<1> It is registered by the Ministry of Justice of the Russian Federation on July 11, 2025, registration No. 82895.

1.3. The bank shall perfrom calculation of standard rates of sufficiency of own means (capital) of bank according to technique, certain Chapter 2 of this Instruction, except for case, stipulated in Item 1.4 these Instructions.

1.4. The bank has the right to make the decision on application to calculation of standard rates of sufficiency of own means (capital) of bank of technique, certain Chapter 2 of the Instruction of the Bank of Russia No. 220-I. This decision is made once.

Information on adoption by bank of the decision on application to calculation of standard rates of sufficiency of own means (capital) of bank of technique, certain Chapter 2 of the Instruction of the Bank of Russia No. 220-I, is carried by bank to the Bank of Russia in writing within 3 working days from the date of decision making.

1.5. The approach to calculation of standard rates of sufficiency of own means (capital) of bank chosen by bank provided by Chapter 2 of the Instruction of the Bank of Russia No. 220-I is applied since next working day after day of the direction of information specified in the paragraph the second Item 1.4 of this Instruction in the Bank of Russia.

Prior to the day of the direction of information on the chosen approach in the Bank of Russia calculation of standard rates of sufficiency of own means (capital) of bank is performed according to technique, certain Chapter 2 of this Instruction.

1.6. Information on the approach used by bank when calculating standard rates of sufficiency of own means (capital) of bank shall contain in explanatory notes to forms of the reporting 0409135 "Information on obligatory standard rates and on other indicators of activities of credit institution" (further - reporting form 0409135) and 0409813 of "Data on obligatory standard rates, the standard rate of financial leverage and the standard rate of short-term liquidity (the published form)" (further - reporting form 0409813), the established Instruction of the Bank of Russia of April 10, 2023 No. 6406-U "About forms, terms, procedure for creation and submission of the reporting of credit institutions (banking groups) to the Central bank of the Russian Federation, and also of the list of information on activities of credit institutions (banking groups)" <2> (further - the Instruction of the Bank of Russia No. 6406-U).

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<2> It is registered by the Ministry of Justice of the Russian Federation on August 16, 2023, registration No. 74823, with the changes made by Instructions of the Bank of Russia of December 8, 2023 No. 6621-U (it is registered by the Ministry of Justice of the Russian Federation on January 22, 2024, registration No. 76927), of March 12, 2024 No. 6688-U (it is registered by the Ministry of Justice of the Russian Federation on May 29, 2024, registration No. 78345), of July 10, 2024 No. 6800-U (it is registered by the Ministry of Justice of the Russian Federation on October 25, 2024, registration No. 79916), of September 4, 2024 No. 6840-U (it is registered by the Ministry of Justice of the Russian Federation on October 10, 2024, registration No. 79758), of December 16, 2024 No. 6961-U (it is registered by the Ministry of Justice of the Russian Federation on December 19, 2024, registration No. 80633).

1.7. For the purpose of calculation of obligatory standard rates in case of determination of size of credit risk according to credit requirements (to which requirements of bank to the borrower (partner) in which the credit risk is inherent, including loans, the loan and equated to it debt determined according to appendix 1 to the Provision of the Bank of Russia of June 28, 2017 No. 590-P "About procedure for forming by credit institutions of reserves on possible losses by loans, the loan and equated to it debt"> (further - the Provision of the Bank of Russia No. 590-P belong), means on correspondent accounts, including remaining balance of means by incomplete calculations for correspondent accounts, the precious metals provided to clients the funds transferred according to reserve requirements of authorized bodies of foreign states, investments in securities (debt obligations) on which the size of market risk is not calculated and also requirements for return of securities for the transactions made on returnable basis), to requirements for receipt of the added (cumulative) percent and derivative financial instruments (further - PFI) which are provided with methods of ensuring obligation fulfillment of the borrower (partner), bank have no right not more often than once a year to accept (to review) the decision on application of one of the approaches provided in Item 2.3 of this Instruction or Item 2.6 of the Instruction of the Bank of Russia No. 220-I concerning the assets and PFI specified in Item 2.6 of the Instruction of the Bank of Russia No. 220-I.

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<3> It is registered by the Ministry of Justice of the Russian Federation on July 12, 2017, registration No. 47384, with the changes made by Instructions of the Bank of Russia of July 26, 2018 No. 4874-U (it is registered by the Ministry of Justice of the Russian Federation on October 3, 2018, registration No. 52308), of November 27, 2018 No. 4986-U (it is registered by the Ministry of Justice of the Russian Federation on December 19, 2018, registration No. 53053), of December 26, 2018 No. 5043-U (it is registered by the Ministry of Justice of the Russian Federation on January 23, 2019, registration No. 53505), of July 18, 2019 No. 5211-U (it is registered by the Ministry of Justice of the Russian Federation on September 12, 2019, registration No. 55910), of October 16, 2019 No. 5288-U (it is registered by the Ministry of Justice of the Russian Federation on November 27, 2019, registration No. 56646), of January 11, 2021 No. 5690-U (it is registered by the Ministry of Justice of the Russian Federation on April 26, 2021, registration No. 63238), of August 18, 2021 No. 5889-U (it is registered by the Ministry of Justice of the Russian Federation on September 21, 2021, registration No. 65077), of February 15, 2022 No. 6068-U (it is registered by the Ministry of Justice of the Russian Federation on March 24, 2022, registration No. 67894), of March 15, 2023 No. 6377-U (it is registered by the Ministry of Justice of the Russian Federation on April 7, 2023, registration No. 72915).

Information on adoption (review) by bank of the decision on application of one of the approaches provided in Item 2.3 of this Instruction or Item 2.6 of the Instruction of the Bank of Russia No. 220-I is carried by bank to the Bank of Russia in writing within 7 working days from the date of decision making. Information on the approach used when calculating standard rates of sufficiency of own means (capital) of bank shall contain in explanatory notes to form of the reporting 0409135 and to reporting form 0409813, the established Instruction of the Bank of Russia No. 6406-U.

1.8. Disaggregations of the codes used when calculating obligatory standard rates are given in appendix 1 to this Instruction (except for the codes specified in the paragraph the second this Item).

Disaggregations of codes 8595, 8598, 8600, 8609, 8611.i, 8631, 8655.i, 8656.i, 8705, 8707, 8708, 8709, 8710, 8711, 8733.i, 8742, 8746, 8748, 8749, 8760.i, 8761.i, 8766, 8781, 8782, 8783, 8787, 8788, 8790, 8794, 8800, 8803, 8812.i, 8819, 8821, 8827.i, 8828.i, 8829.i, 8833, 8835.i, 8837, 8846, 8847, 8851, 8856.i, 8866, 8871, 8874, 8875, 8876, 8878. And, 8878. N, 8880, of 8882, of 8883, of 8884, of 8891, 8893.2, 8900, of 8902, of 8904, 8912.i, 8913.i, 8923.i, 8925, 8936, 8943.i, 8945.i, 8947, 8948.i, 8956, 8960.i, 8962, 8966, 8969, 8970.0, 8971.0, 8973, 8974.i are given in appendix 1 to the Instruction of the Bank of Russia No. 220-I.

The code 8783 is calculated using risk coefficients for the separate asset types determined according to Items 2.1 and 2.3 of this Instruction.

1.9. Banks perfrom calculation of values of the obligatory standard rates established by this Instruction, as a percentage with three signs after comma (rounding to three signs after comma is performed by rules of mathematical rounding).

1.10. When calculating obligatory standard rates the ratings of long-term creditworthness according to obligations in national or foreign currency appropriated by the foreign credit rating agencies S&P Global Ratings, Fitch Ratings or "Mudis Investors Service" (Moody "s Investors Service) performing rating activities according to the personal law (further - foreign credit rating agencies), on the international rating scale, are used only concerning foreign objects of rating in currency in which the obligation is nominated.

The credit scores assigned by credit rating agencies, data on which are entered by the Bank of Russia in the register of credit rating agencies according to article 4 of the Federal Law of July 13, 2015 No. 222-FZ "About activities of credit rating agencies in the Russian Federation, about modification of article 76.1 of the Federal law "About the Central Bank Russian Federation (Bank of Russia)" and recognition voided separate provisions of legal acts of the Russian Federation" (further - the Russian credit rating agencies), on national rating scale for the Russian Federation are used concerning the Russian objects of rating, and appropriated on the international rating scale - concerning foreign objects of rating.

The credit scores assigned by the Russian credit rating agencies and scores of long-term creditworthness assigned by foreign credit rating agencies (further in case of joint mentioning - ratings), are used in case of assessment of credit risk on borrowers (except for the borrowers specified in Item 5 of appendix 10 to the Instruction of the Bank of Russia No. 220-I) as follows:

with score assigned only by one credit rating agency this rating is used;

with two various scores assigned by credit rating agencies lower rating is used;

with three and more various scores assigned by credit rating agencies two highest ratings are used. If these ratings correspond to one coefficient of risk, stipulated in Item 2.3 these Instructions concerning rating object, any of these ratings if to various coefficients of risk, - lower rating is applied is used;

in case of assignment of ratings by credit rating agencies to both security, and the issuer of security, concerning the specified security security rating is used.

1.11. For the purpose of determination of obligatory standard rates to residents of the state, including the Russian Federation, persons registered in the territory of this state concern nonresidents the persons registered in the territory of foreign state and not registered in the territory of the Russian Federation belong.

Chapter 2. Technique of determination and numerical values of standard rates of sufficiency of own means (capital) of bank

2.1. Standard rates of sufficiency of own means (capital) of bank - the standard rate of H1.0, the standard rate of H1.2 are calculated as the relation of size of own means (capital) of bank and the size of fixed capital of bank determined according to the technique provided by the Provision of the Bank of Russia of July 4, 2018 No. 646-P "About technique of determination of own means (capital) of credit institutions ("Basel III")" <4> (further - the Provision of the Bank of Russia No. 646-P), to the amount:

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<4> It is registered by the Ministry of Justice of the Russian Federation on September 10, 2018, registration No. 52122, with the changes made by Instructions of the Bank of Russia of November 27, 2018 No. 4987-U (it is registered by the Ministry of Justice of the Russian Federation on December 19, 2018, registration No. 53064), of June 6, 2019 No. 5163-U (it is registered by the Ministry of Justice of the Russian Federation on September 30, 2019, registration No. 56084), of June 30, 2020 No. 5492-U (it is registered by the Ministry of Justice of the Russian Federation on July 30, 2020, registration No. 59121), of April 10, 2023 No. 6408-U (it is registered by the Ministry of Justice of the Russian Federation on July 17, 2023, registration No. 74322).

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