PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of July 21, 2025 No. 863-P

About requirements to content, procedure and terms of submission by credit institutions to the Bank of Russia of plans of recovery of financial stability, the changes made to plans of recovery of financial stability, their assessment by the Bank of Russia and also about procedure for informing by credit institutions of the Bank of Russia on approach in their activities of the events provided by the plan of recovery of financial stability and decision making about the beginning of its realization

This Provision based on parts six, the eleventh and twelfth article 24 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ), parts five and the eleventh article 57 of the Federal Law of July 10, 2002 "About the Central bank the Russian Federation (Bank of Russia)" establishes No. 86-FZ:

requirements to contents of plans of recovery of financial stability;

procedure and terms of submission by credit institutions to the Bank of Russia of plans of recovery of financial stability, the changes made to plans of recovery of financial stability;

procedure and terms of assessment by the Bank of Russia of plans of recovery of financial stability, the changes made to plans of recovery of financial stability;

procedure for informing by credit institutions of the Bank of Russia on approach in their activities of the events provided by the plan of recovery of financial stability and decision making about the beginning of its realization.

Chapter 1. Requirements to contents of plans of recovery of financial stability

1.1. The plan of recovery of financial stability (further - PVFU) credit institution (banking group) shall determine actions of credit institution (parent credit institution of banking group) for timely recovery of financial stability of credit institution (banking group) in case of stressful situation in which there is realization of the significant risks determined according to Items 1.2 and 3.2 of the Instruction of the Bank of Russia of April 15, 2015 No. 3624-U "About requirements to risk management system and the capital of credit institution and banking group" <1> (further - the Instruction of the Bank of Russia No. 3624-U), leading to the deterioration in financial condition of credit institution (banking group) creating threat for continuation of activities of credit institution (parent credit institution of banking group) (further - stressful situation).

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<1> It is registered by the Ministry of Justice of the Russian Federation on May 26, 2015, registration No. 37388, with the changes made by Instructions of the Bank of Russia of December 3, 2015 No. 3878-U (it is registered by the Ministry of Justice of the Russian Federation on December 28, 2015, registration No. 40325), of November 16, 2017 No. 4606-U (it is registered by the Ministry of Justice of the Russian Federation on December 7, 2017, registration No. 49156), of June 27, 2018 No. 4838-U (it is registered by the Ministry of Justice of the Russian Federation on September 5, 2018, registration No. 52084), of April 8, 2020 No. 5431-U (it is registered by the Ministry of Justice of the Russian Federation on June 3, 2020, registration No. 58576), of January 10, 2023 No. 6356-U (it is registered by the Ministry of Justice of the Russian Federation on June 14, 2023, registration No. 73833), of October 6, 2023 No. 6569-U (it is registered by the Ministry of Justice of the Russian Federation on December 25, 2023, registration No. 76594).

PVFU of credit institution (banking group) shall contain:

short description of PVFU;

the description of changes in comparison with the last approved board of directors (supervisory board) of credit institution (parent credit institution of banking group) and PVFU provided to the Bank of Russia if PVFU was represented to the Bank of Russia earlier;

indicators (indicators) of activities of credit institution (banking group, parent credit institution of banking group, credit institutions - members of banking group) and their values (border) which achievement allows to identify stressful situation and is the basis for start of actions for recovery of financial stability (further respectively - actions of VFU, VFU indicators);

exclusive, but probable scenarios of the events leading owing to emergence of the most significant risks which realization can entail the changes specified in paragraphs the second - the seventh subitem 1.5.1.1 and (or) paragraphs the second - the fourth subitem 1.5.1.2 of Item 1.5 of this provision (further - the most significant risks) to stressful situation (further respectively - stressful events, stress scenario) (except for PVFU of banks with the basic license and non-bank credit institutions, and also PVFU of banking groups which parent credit institutions are banks with the basic license, non-bank credit institutions);

the scenario (forecast) which is basic (forming basis) for forecasting within stress scenarios and corresponding to reference points of business development (development strategy <2>) of credit institution (banking group) without realization of stressful situation (further - the basic forecast);

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<2> It is stipulated in Item 2.6 Instructions of the Bank of Russia No. 3624-U.

actions of VFU of credit institution (parent credit institution of banking group, credit institutions - members of banking group);

the procedure of development and approval of PVFU or the reference to the internal documents of credit institution (parent credit institution of banking group) containing such procedure;

procedure and terms of decision making about the beginning of realization of PVFU, realization of PVFU, including procedure for monitoring of VFU indicators of credit institution (banking group, parent credit institution of banking group, members of banking group), procedure and date of completion of implementation of actions of VFU, procedure for control of realization of PVFU in credit institution (banking group), procedure and terms of informing the Bank of Russia on achievement of the VFU indicator (VFU indicators), about decision making about the beginning of realization of PVFU, about changes of structure and (or) amount of implementable actions of VFU of credit institution (parent credit institution of banking group, and also members of banking group if the realization of their actions of VFU is enabled in stressful situation), about structure and about amounts of the actions of VFU realized in prior calendar month and about their influence on VFU indicators of credit institution (banking group, parent credit institution of banking group, members of banking group), about completion of implementation of actions of VFU or the reference to the internal documents of credit institution (parent credit institution of banking group) containing the specified information;

references to the documents developed by credit institution (parent credit institution of banking group) within internal procedures of assessment of capital adequacy according to Chapter 7 of the Instruction of the Bank of Russia No. 3624-U, used by preparation of PVFU.

1.2. PVFU of credit institution (banking group) shall contain the short description of PVFU as the separate Section PVFU including:

the short description stress scenarios including for everyone stress scenario the short characteristic of stressful events;

the minimum and maximum values of the indicators containing in stress scenario used as VFU indicators of credit institution (banking group, parent credit institution of banking group, credit institutions - members of banking group), without effect of influence of actions of VFU on them;

assessment of cumulative influence of the actions of VFU necessary for recovery of financial stability of credit institution (banking group) containing in stress scenarios, on each VFU indicator;

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