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RESOLUTION OF NATIONAL BANK OF THE REPUBLIC OF MOLDOVA

of March 9, 2016 No. 54

About approval of the Instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk

(as amended on 26-05-2022)

Based on the item d) parts (1) the Art. 5, parts (1) Art. 11 and the item c) parts (1) Art. 27 of the Law No. 548-XIII of July 21, 1995 on National Bank of Moldova (repeated publication: The official monitor of the Republic of Moldova, 2015, Art. No. 297-300, 544), the Art. 25, 33, 37 and 40 Laws on financial institutions No. 550-XIII of July 21, 1995 (repeated publication: The official monitor of the Republic of Moldova, 2011, Art. No. 78-81, 199) DECIDES: Executive committee of National Bank of Moldova

1. Approve the Instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk.

2. Since September 16, 2016 to declare invalid appendix No. 12 (The report on credit portfolio and credit obligations) to the Instruction about procedure for creation and submission of reports by banks in the prudential purposes, approved by Administrative board of National Bank of Moldova No. 279 of December 1, 2011. (Official monitor of the Republic of Moldova, 2011, Art. No. 216-221, 2008).

3. This resolution becomes effective on July 1, 2016.

Chairman of Executive committee of National Bank of Moldova

Doreen Dregutsana

Appendix

to the Resolution of Executive committee of National Bank of Moldova of March 9, 2016 No. 54

The instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk

1. In the prudential purposes licensed banks shall constitute and submit the following primary reports for determination and supervision of credit risk:

a) daily Report on credit portfolio and credit obligations (appendix No. 1);

b) Report on affiliates to large borrowers (appendix No. 2);

c) The report on pledge for large borrowers (appendix No. 3);

d) The report on statements for issue of the large credits (appendix No. 4).

2. Reports shall be presented in generalized view and contain information relating to all divisions of bank.

3. Reports are submitted according to the Instruction about procedure for submission of reports electronically in National Bank of Moldova approved by the Resolution of Executive committee of National Bank of Moldova No. 245/2019.

4. In reports all obligatory headings shall be completely filled if information is available and it is possible to report.

5. The bank shall support financial records in type which would provide possibility of creation and submission of reports according to this Instruction.

6. The amounts in reports are reflected in Moldovan lei if according to the procedure of creation of the report other is not provided.

7. In reports of the amount in Moldovan lei and in currency are specified by integer. In case in the report it is necessary to specify code of national currency, their digital codes according to ISO 4217 are specified. For the amounts in currency the equivalent in MDL will be calculated with use of the official rate of the Moldovan leu in relation to the corresponding currencies (further – the official rate) operating on reporting date.

8. Coefficients and percent are reflected with two figures after comma.

9. Before submission of the report to National Bank of Moldova the amounts are compared with the amounts of the previous reports. If there are considerable discrepancies or variations from one reporting date to another, along with the report the explanatory note on paper electronically is submitted. In the context of this Instruction by considerable discrepancies the mistakes revealed in columns 3, of 12, of the 34 and 108 report of ORD 3.17, and also the revealed mistakes in the column 36, are implied if discrepancy exceeds 500 thousand lei or their equivalent. In other cases explanatory notes are represented upon the demand of NBM.

10. Information specified in the report shall reflect condition of bank for the end of operational day of the accounting period (day, month, quarter, year, etc.).

11. Banks shall take into account results of the checks performed by inspectors of National Bank in case of creation of the reports submitted for the next accounting period which follows after consideration of reports on checks at meeting of Executive committee of National Bank of Moldova. Along with reports electronically the explanatory note with the detailed description of the performed changes relating to remedial action found in the course of checks on paper is submitted.

12. After approval of annual financial reports at general shareholder meeting, but no later than April 30, banks repeatedly submit in National Bank of Moldova reports electronically (as of December 31) with the changes made after audit control. Along with reports electronically the detailed explanatory note on the performed adjustments on paper is submitted.

Appendix No. 1

to the Instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk

See Appendix No. 1

 

Appendix No. 2

to the Instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk

Cm Appendix No. 2

 

Appendix No. 3

to the Instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk

See Appendix No. 3

 

Appendix No. 4

to the Instruction about procedure for creation and submission of primary reports by banks for determination and supervision of credit risk

See Appendix No. 4

 

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