Reception to the collection of banknotes in foreign currency, causing doubt on solvency. Currency reception conditions for collection

In accordance with the legislation, all legal entities and individual entrepreneurs are obliged to take their revenue daily. Cash can be handed over in two ways.:
- in the bank's office and in the organization of the Ministry of Communications and Informatization (Samonos);
- either employees of the collection service.

And if the essence of the first way is quite understandable, in the second case, not each of us can clearly imagine what this process is.

What do they understand under the collection and what is the process of holding it? We will consider these and other questions in this article.
The concept of "collection" is derived from the Italian Incassare, and the literal meaning of this word is to put in the box.

Collection

Along with the concept of "collection" in the Belarusian legislation, such a concept was identified as "transportation of values". These are two different operations, each of which requires a separate permission (license) of the National Bank.

Under the carriage of cash and other values \u200b\u200bmeans the transportation of such values \u200b\u200bbetween banks, their separate and structural units, as well as the delivery of such values \u200b\u200bto banks to banks.

However, in the generally accepted sense, under collection, it is meant both the collection of values \u200b\u200band their transportation, and under the collection of the collection - a set of organizations that implement the collection and / or transportation of values. Therefore, in this article we will consider the collection in a broad sense..

The need for transportation of degree values \u200b\u200barose simultaneously with their appearance. And always, when there was a lot of money, they were accompanied by armed men: the forces of prince's friends or mercenaries from the side.

Until 1917, the transportation services in Tsarist Russia did not exist. Protection of transported values \u200b\u200bwas carried out mainly by hired private services. After the 1917 revolution, until the 1939th, the collection and maintenance of cash values \u200b\u200bwas carried out by the PVC, and then in the NKVD system, special divisions of the Feldgerere Communications were created, from which in 1939 the collection service of the State Bank of the USSR was selected.

In 1987, an agricultural combination of collection was created on the principles of economic calculation and self-financing, with the right legal entity. The Association was subordinate to the Board of the State Bank, and its composition included 15 republican departments, in terms of the number of Union republics, including the Belarusian Republican Collection Management. In the district centers of the republic, sections of the collection were created - more than 40, which submitted to the relevant regional collection management.

In 1991, in connection with the collapse of the USSR, the republican and regional collection departments were eliminated, and their successors were the main departments of the National Bank of the Republic of Belarus by regions.

At present, in our country, the national bank and four banks have to collectation and transportation of values:

JSC " ASB BelarusBank»,
OJSC "Belagroprombank",
OJSC "BPS-Bank"
OJSC BELINVESTBANK.

In addition, another 15 other banks have the right to transport values. They mainly produce such transportation only between their structural divisions and do not provide services to other banks and organizations.

Now we have to find out how the collection of monetary proceeds is carried out, and what stages include this complex process.

1) Conclusion of the contract and compliance with the necessary events

The first stage in the relationship between the Organization and the Bank for the provision of collection services is the conclusion of an agreement in which the duties and responsibilities of the parties are negotiated, the collection conditions and the size of the board.

After that, the Bank makes an organization on the list and makes a schedule of departures of collectors in the days and clock agreed with the customer.

For each organization, a first-time card with the assignment of her number is compiled, for which it is registered in the list, and the required number of special collector bags is issued depending on the amount of monetary revenue. The bag indicates the name of the bank, as well as the fractional number in which the numerator is the organization number under which it is registered in the list, and the denominator is the serial number of the bag.

In turn, the organization submits two samples of pebbles, which fell into the bags with monetary revenue. Samples of impulses are assigned to the head of the head of the collection service and one copy of the seal is transmitted to the organization to make collectors when they receive bags with monetary revenue, and the second instance remains at the bank to control when receiving bags.

2) Preparation of collectors brigade for departure

The quantitative composition of the collectors team includes at least 3 people, including the driver. One of the team members is appointed by the senior brigade, another - collector-collector. When collecting monetary revenue, the senior brigade and the driver guard bags with cash revenue and are observed for the work of the collector-collector.

Before leaving the route of the Coloring Brigade, a power of attacking is given to the collection of monetary revenues, the uncertic cards, the seal of the collection service, empty bags, as well as body armor, carrying radio stations, weapons and combat. Everyone members of the brigade takes daily instruction. In addition, the head of the collection service at least once a month conducts an inspection of compliance with collectation rules.

3) preliminary actions of the organization-customer of the bank

The organization should ensure the preparation of a bag with monetary revenue in advance, before the arrival of collectors. The cashier calculates all the money, sortes banknotes to suitable for applying and dilapidated, reinforce them and invests in the bag. At the same time, the cashier is prohibited to make banknotes in the root of a hundred sheets, as well as produce inscriptions on their packing on the number and amount of nested banknotes.

Before attaching a cash revenue with a cashier, a cashier fills in the preparing statement, an invoice and a copy of the transmitted statement and, then puts the first copy of the transmitted statement into a special pocket of the bag, and the bag with monetary revenue seals in such a way that the seal is located as close as possible to the lock (when This ends of the twine from the knotted node in the seal sinus must have a length of no more than 2 centimeters).

4) Transfer of revenue to collectors

Before receiving a bag with monetary revenue, the collector-collector places the cashier of the organization's identity card, the power of attorney, a turn card and empty bag. The cashier, in turn, presents a sample of impulses, a bag with a cash revenue, an overhead and a copy of the transmitting statement. After transmitting documents and bags, the cashier records in the turning card.

When receiving bags, the collector-collector checks:
- the purpose of the bag, the correctness of its sealing;
- compliance of the number of the received bag and the amount of monetary revenue specified in the fan card, overlines and copies of the transmitting statement;
- availability of signatures of officials of the organization;
- Compliance with numbers and inapplication in the invoice, copies of the transmitted statement and the turning card.

In case of detection of disorders, the reception of the bag is terminated. And if in the shortest possible time it fails to eliminate violations, collectors are leaving, by re-arriving at a convenient time for the brigade.

5) cash cash delivery to the bank

After the collector-collector finished the reception of bags at the cashier of the organization, he conveys their senior brigade.

Bags with monetary revenue are delivered to the bank and surrender to the evening cashier. Then cash cash Recalculated and credited to the calculated (current) client account.

Advantages and disadvantages of collection

Summing up the above, we can identify the pros and cons this method Revenue.

The disadvantage is that the organization must pay a fee for the collection to the bank every month. So, in one of the banks, its size ranges from 3 rubles 70 kopecks up to 20 rubles per 1,000 rubles of intersectable revenue.

At the same time, the smaller the amount of cash, the more expensive the collection services will cost: if the amount of hand-held money does not exceed 1,000,000 rubles, the Bank is used by the tariff of 20 rubles for each 1,000 rubles for intersected revenue, and this is 2%.

Thus, not for each economic entity, this method is economically appropriate. For those individual entrepreneurs and organizations that cash revenue A small, possibly more acceptable can be a way of self-passing cash at the Bank's cash register (Samonos).

The benefits of collection can be attributed to the following:
- the bank is fully liable to the client for the safety of its cash and values;
- in a timely manner and qualitatively provides services regardless of the number of orders;
- Collection eliminates the client's problems associated with the safety of cash and values \u200b\u200bduring their transportation.

So, trusting banks in cash and other values, you can be sure that they are in safe hands and will be delivered on time and on targeted purpose.

Questions for self-control:
1. What are there any ways to pass money revenue to the bank?
2. Collection and cash transmission - is this one and the same banking operation?
3. What kind of Belarusian banks carry out cash collection?
4. How many people have a brigade of collectors?
5. Does the organization's cashier have the right to conduct a banknote or strapping in the roots of a hundred sheets?

Definitions:

Collection - This is the collection of cash and other values \u200b\u200bfrom the CASS of legal entities and individual entrepreneurs and the delivery of these values \u200b\u200bat the banks of banks on the basis of the contract.

Transportation of cash and other values- Transportation of such values \u200b\u200bbetween banks, their separate and structural divisions, as well as the delivery of such values \u200b\u200bto banks to banks.

Obanderization- wrapping of packed cargo or unpacked piece products with paper tape, tape "Scotch

However, the acquisition and use of such funds in the market of services of the Collection of Belarus is difficult, as it does not have legislative base use and no access to manufacturers.

In this regard, it is advisable to use the monitoring system for the movement of special vehicle To determine the location of special vehicles using GPS technologies and transferring the necessary information using the GSM operator services cellular communication In the Republic of Belarus "Velcom".

The monitoring system can be applied to 17 Basic branches of the Bank at the next settlements: Brest, Baranovichi, Pinsk, Vitebsk, Novopolotsk, Orsha, Gomel, Zhlobin, MO -Quar, Grodno, Lida, Borisov, Molodechno, Slutsk, Soligorsk, Mogilev, Bobruisk.

This system includes the following components:

1. Software for one division of collection.

2. Electronic vector map of one settlement and its area with scaling: 1: 100 000 (1 km in 1 cm), minimal designations on the map - road network, the contours of vegetation and water bodies, structure.

3. Rent a cartographic basis for the specified card for one division of collection.

4. Embedding an electronic map in software and binding to geographic coordinates for one division of collection.

5. Embedding the maps editor to enable and edit on the cards of the objects necessary for one division.

6. Computer: System Block, Monitor, Keyboard, "Mouse"

The cost of the monitoring system for 1, the collection division according to the Bank is 100 million rubles.

The setting and commissioning of location control equipment and a one special vehicle for the Bank is 1.15 million rubles.

Thus, the installation of GPS navigation to one conditional division of collection with 8 special vehicles will require costs in the amount of 109.2 million rubles.

In addition, in coordination with the automation departments of the Bank's institutions, it is necessary to conduct relevant activities for the presence of a sustainable Internet connection between the server in CA and workplaces, with a guaranteed MIN 512 Kbps lane.

Thus, the bank must continue to strengthen the material and technical base of the collection of the collection service, which will reduce operational risks.

Contractive risks should decrease by revising the pricing policy and expansion of the collection services (client base).

Tariffs for collection services are calculated based on the bank's expenses (gasoline, carmine machinery, employee wages, etc.), the number of client points, features of the location of objects, the amount of covered cash. Payment for collecting services is carried out monthly.

According to the collection contracts, the Bank charges a remuneration at the rate of 3.0 rubles per thousand Belarusian rubles (taking into account VAT) of the intended monetary revenue. To calculate the remuneration for the collection of currency revenues, the bank recalculates the amount of interseded currency revenue to the Belarusian rubles at the rate of the National Bank of the Republic of Belarus at the date of collection or invoice.

Currently, the structure of the incoming acceived revenue from enterprises can be represented as follows (Figure 3.2).

Figure 3.2 - Structure of intersectable revenue in terms of income from enterprises,%

The bank is interested in attracting large customers to the collection and reduce the share of customers passing the revenue with small amounts, because Specific costs for collection of cash payments below.

Since the non-optimal organization of collection in the branch entails the growth of its collection costs, it is necessary to increase the efficiency of the collection department and receipt additional income Introduce a new form of calculations with serviced business entities, in which the collection of cash collection fees is carried out at the calculation of the fixed base value, regardless of the volume of insounched revenue.

The mechanism of this event will be implemented in Table 3.4.

Table 3.4 - Mechanism Changes in the form of calculation calculations

Indicators	In fact, thousand rubles.	The estimated value of the collection fee, thousand rubles.
The cost of collection of cash of legal entities branch for 1 million rubles. revenue, rub.
The size of the basic value, thousand rubles.
The proposed basic collection fee for the implementation of collection	0.1 Basic value
The size of the account is inscribed:
Up to 1,000,000 rubles.	1.00 Base Base
	0.95 basic bet
From 10,000,000 to 50,000,000 rubles.	0.85 basic bet
Over 50,000,000 rubles.	0.80 Base Base

The volume of clients of clients of customers in 2013 amounted to, as mentioned in the above table 2.5, 749541.1 million rubles. Application of a single rate for collecting in the amount of 3 thousand rubles. from 1 million rubles. (or 3 rubles from 1000 rubles) led to the receipt of actual income from collection in the amount of 2248.6 million rubles.

Calculate possible income in the implementation of customer gradation by the amount of incoming revenue:

1) up to 1,000,000 rubles:

749541.1 x 5% \u003d 37477.0 (million rubles)

Actual income:

37477.0 x 0.003 \u003d 112.4 (million rubles)

Estimated income:

37477.0 x 0.018 \u003d 674.6 (mln. RUB.)

2) from 1,000,000 rubles. up to 10,000,000 rubles:

The volume of invalid revenue received in 2013 in such amounts:

749541.1 x 15% \u003d 112431.2 (million rubles)

Actual income:

112431.2 x 0.003 \u003d 337.3 (million rubles)

Estimated income:

112431.2 x 0.0171 \u003d 1922.6 (million rubles)

3) from 10,000,000 rubles. up to 50,000,000 rubles:

The volume of invalid revenue received in 2013 in such amounts:

749541.1 x 70% \u003d 524678.8 (million rubles)

Actual income:

524678.8 x 0.0033 \u003d 1574.0 (million rubles)

Estimated income:

524678.8 x 0,0153 \u003d 8027.6 (mln. RUB.)

4) from 50,000,000 rubles. and higher:

The volume of invalid revenue received in 2013 in such amounts:

749541.1 x 10% \u003d 74954.1 (million rubles)

Actual income:

74954.1 x 0.003 \u003d 224.9 (mln. RUB.)

Estimated income:

74954.1 x 0,0144 \u003d 1079.3 (million rubles)

Total settlement income:

674.6 + 1922,6 + 8027.6 + 1079.3 \u003d 11704.1 (mln. RUB.)

Economic effect (exceeding settlement income on actual):

11704.1 - 2248.6 \u003d 9455.5 (million rubles)

In general, the economic effect of revising the pricing policy on the collection services in the branch can be represented as table 3.5.

Table 3.5 - the projected economic effect on the change in the form of calculation calculations

Indicators	Collection volume, million rubles.	Revenues, million rubles.	Economic effect, million rubles.
		fact 2013	calculation
The size of the account is inscribed:
Up to 1,000,000 rubles.
From 1,000,000 to 10,000,000 rubles.
From 10 000 000 to 50 000 000 rub.
Over 50,000,000 rubles.

Thus, the introduction of the pricing method on the collection services based on the binding of the collection fee to the base value will give the following advantages:

It is also necessary to recycle the payment scheme of the change. Currently, under the contract, the cost of the service is 210 thousand rubles. Taking into account the fact that the contract is concluded for the year and the indexation of the fixed price is not envisaged, it is impossible to recognize such a payment scheme favorable for the bank. If the number of negotiation agreements increase, it will be necessary to make the mention of the possibility of revising the board for the service due to the change in external conditions (in particular, the price index, the cost of fuel, etc.).

In each case, it is necessary to apply an individual approach, each client must have its own scheme. The form of payment services can be two types, in accordance with the wishes of customers. It can be automatic removal of funds from its current account, or the client itself pays for a convenient time, naturally, in compliance with the deadlines.

In general, the development of the collection service in OJSC "ASB Belarusbank" should go in the following directions:

Fast, timely and safe collection of cash-related personnel and a large park of modern collection cars;

Development of a user-friendly schedule for each client and strictly compliance with the possible adjustment of the departure time of the collection car;

Strict adherence to the confidentiality of information about transported values;

Providing special armored vehicles, collector and armed guards for transportation of currency values;

Minimization of the Customer's spending on the collection and remuneration of cashiers;

Timely and qualitative provision of services regardless of the number of orders;

At the request of the client, the invalid revenue should be surreated to the bank's office, with a further enrollment of funds to the client's account, or in our bank, or by the current account of the client in another bank due to the flexible tariff policy and the personal approach to each client, the cost of the service may be calculated individually, Given the features and wishes of the client;

All issues related to the introduction of amendments and additions to the Treaty, as well as the issues of service, timely making money, payment of services, signing acts about the services provided and other issues should be resolved centrally, through one manager enshrined behind the client.

You should always try to find optimal option For each client. Typically, the bank offers a range of time during which collectors can drive up to the object. In addition, you should try to satisfy all the reasonable wishes of customers, up to the creation of individual routes of the collection of the collector car. In short, you should go to meet customers, trying to satisfy their needs to maximize.

Conclusion

The study carried out in the framework of writing work allows us to draw the following conclusions:

· Decree of the USSR SCC dated August 3, 1939 State Bank The USSR was prescribed to form in its composition the management of collection and transportation of values. At the initial stage of development of the collection service, its function was limited to ensuring the safety of transportation of values \u200b\u200band trade proceeds. In order to ensure the proper level of safety and the effectiveness of work on the collection of funds and the transport of Values, the State Bank has created a system of its structural divisions, which existed until 1987.

· Development private property In the early 90s of the last century, the emergence of commercial banks and credit organizations, insurance companies, trade turnover growth, the emergence of changeable offices, stock exchanges, securities turnover caused the development of collection services that have occupied their place in the system of transportation and ensuring the safety of values.

· In accordance with the Banking Code of the Republic of Belarus, two different operations are allocated: collection and transportation, each of which is a licensed activity. However, in the generally accepted sense, under the collection, it is meant both the collection of values \u200b\u200band their transportation, and under the collection of the collection - a set of organizations carrying out collection and / or transportation of values.

· At present, the National Bank and Four Banks and Four Banks are currently in our country and four banks: OJSC ASB BelarusBank, OJSC Belagroprombank, BPS Sberbank and OJSC BELINVESTBANK. In addition, another 15 other banks have the right to transport values. They mainly produce such transportation only between their structural divisions and do not provide services to other banks and organizations.

· OJSC ASB BelarusBank is the largest universal financial and credit institution of the country. Branch No. 100 provides more than 130 types of products and services to its customers, the priority activity of the branch is retailer.

· Under conditions when the risk during the transport of funds is constantly increasing, there is a natural need for high-quality collector services. Understanding this, OJSC ASB BelarusBank has created its own collection service, which at a high professional level provides services for the transport of values. The scheme of the collectors looks in general as follows: the brigade goes at a consistent time at the client's address and takes a special sampling bag with values. The task of the collector is to in complete preservation to deliver a bag for its intended purpose, that is, to the bank and pass to the cashier. In the morning of the next day, the money is credited to the current account of the client.

· Considering that the branch network of OJSC ASB Belarusbank is the largest in the country and the cost of the content of its own collection units less than the payment of the service of a third-party carrier, it is possible to evaluate the bank's prospects in the market of collection services as the highest.

· The main motive for creating your own collection service for the bank was the leadership desire to provide customers with a full range banking services. Due to the collection of collection services, the Bank's corporate clients have received the possibility of quality service in all directions of their activities. Moreover, the presence of this service in the bank for a specific category of customers is one of the significant arguments when choosing a bank.

· In the activities of the Collection Service of the branch number 100, positive trends are currently traced: an increase in the volume of transportation by the forces of its own collection service, an increase in income from collection and profitability. In particular, for the first 9 months of 2014, the income from collection exceeds the costs financial results Also formed positive. The collection of monetary revenues of organizations and individual entrepreneurs is carried out by the Collection Service on the basis of contracts.

· Evaluation of market trends, including foreign, revealed that large commercial banks, as AB BelarusBank OJSC, have their collection services and security services. They are able to exercise large investment on the development of the collection service, its technical equipment, training, security. Large banks Work on mass client And therefore, there may be collector services even when some of them are unprofitable. In the future, an associative path of development is possible.

For branch No. 100 OJSC ASB Belarusbank, the main areas of development and improvement of the organization of collection are:

1) reduction of operating assessment risks - expansion of armor of armored cars, providing modern means of communication and monitoring;

2) Reduced contractual risks by developing flexible pricing policy. In particular, the introduction of the pricing method on the collection services based on the binding of collection fees to the base value will give the following advantages:

Will allow you to attract large clients to collection on favorable terms without prejudice to the bank's income; that, in turn, will contribute to the growth of the competitiveness of the bank collection services;

Will contribute to the "screening" of small amounts of collection, entry additional expenses on transportation and not increasing significantly limits of the CASS;

With the growth of the basic value, the basic collection rate will also increase, which will contribute to increasing income and minimize the inflation factor.

The economic effect of changing pricing policies while maintaining the conditions of 2013 will be 9455.5 million rubles.

In conclusion, it should be noted that the introduction of multi-level financial planning will improve the quality of finance management of the collection service and on this basis to ensure optimal use of financial resources for the development of this bank division, reduce risks when collecting.

collection Bank Belarus

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33. Regulations on the procedure and sizes of one-time payments for compensation to employees of OJSC ASB BelarusBank, the harm caused to them in connection with the damage to health in the performance of labor duties due to criminal encroachment: app. Board of Bank 14.06.2001 (Protocol No. 23.12).

34. Regulations on the procedure for organizing and conducting audits and inspections of institutions, enterprises of OJSC ASB BelarusBank: App. Board of the Bank 28.12.2009 (Protocol No. 149.7).

35. Regulations on the procedure for the implementation of procurement, preparation, conclusion and control over the execution of economic contracts in the system of OJSC ASB BelarusBank: App. Board of the Bank 26.02.2008 (Protocol No. 20.4).

36. Regulations on the professional and psychological testing of employees of OJSC ASB Belarusbank: app. Board of the Bank 23.02.2006 (Protocol No. 15.20).

37. Regulations on the collection of the collection of OJSC ASB BelarusBank, approved. Protocol meeting of the Board of OJSC ASB BelarusBank 22.08.2006 No. 65.6

38. Regulation on the remuneration of employees of OJSC ASB BelarusBank: approved. Board of Bank 23.02.2011 (Minutes No. 18.8).

39. The procedure for reflection in the accounting records of operations on intrabank accounts institutions of OJSC ASB BelarusBank: App. Board of the Bank 26.12.2002 (Protocol No. 51.37).

40. The procedure for organizing the export of cash foreign currency abroad for the border of the Republic of Belarus to enroll on correspondent accounts of OJSC ASB BelarusBank and importation due to the border of the cash foreign currency listed with correspondent accounts of OJSC ASB BelarusBank: approved. Board of the Bank 09.10.2003 (Protocol No. 40.21).

41. The procedure for obtaining the reinforcement of currency values \u200b\u200bby institutions of OJSC ASB BelarusBank: App. Board of the Bank 14.07.2003 (Protocol No. 27.15).

42. Sali, E.A. Banking law. Part 1 / E.A. Salya. - Minsk: Testa, 2003. - 144 p.

43. Sviridov, O.Yu. Banking: 100 exam answers. - Rostov N / D: Phoenix, 2010. - 256 p.

44. Senko, V., Duchot, A. The history of the development of the collection service in the Republic of Belarus / V. Senko, A. Duchot. // Bank Bulletin. - 2009. - №8. - P. 55-58.

45. Hiddellevskaya, S. This service is dangerous and difficult / S. Zeidlevskaya. // Bank Bulletin. - 2009. - №10. - P. 52-58.

46. \u200b\u200bSTB 51.3.01_96 "Equipment and technical means to ensure banking activities. Cars for collecting monetary revenues and transportation of valuable cargo. Classification and general technical requirements. "

47. The Technical Code of the established Practice of TCP 45 3.02 55 2006 (02250) "Buildings of banks. Design rules ": approved. Order of the Ministry of Architecture and Construction of the Republic of Belarus No. 334 of November 27, 2006.

48. Labor Code of the Republic of Belarus dated July 26, 1999 No. 296-s. Accepted by the Chamber of Representatives on June 8, 1999: Opported by the Council rep. Belarus June 30, 1999: Text of the Code as of July 1, 2014 // Nats. Register of legal acts Rep. Belarus. - 2014. - № 171. - 3/1684.

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Public corporation " Savings bank BelarusBank formed as a result of the merger of the Savings Bank of the Republic of Belarus and the joint-stock commercial Bank Belarusbank on the basis of the Decree of the President of the Republic of Belarus of August 30, 1995 No. 340 "On the strengthening of state's guarantees for the preservation and effective use of monetary deposits of the population and measures to further improve the banking system of the Republic of Belarus" and the decision of the Shareholders of Belarusbank's shareholders. OJSC ASB BelarusBank operates on the basis of the following licenses:

1. License for banking activities No. 1 of 24.05.2013, issued National Bank The Republic of Belarus.

2. License for the right to implement professional and exchange activities on securities No. 02200 / 5200-1246-1089 (registered in the Register of Licenses of the Ministry of Finance of the Republic of Belarus 08/23/2011).

The main objectives of the Bank's activities are:

improvementBank maintenance of individuals and legal entities;

attraction to deposits of free cash;

stimulating investment in the economy of the Republic of Belarus;

promoting integration processes in the field of international financial relations; active participation in promising projects sent to the solution of economic and social problems; receipt of profits by the Bank and its shareholders.

The collection service in the bank was created on the basis of the license of the National Bank of the Republic of Belarus in accordance with the legislation of the Republic of Belarus and the Charter of the Open Joint Stock Company "Savings Bank" Belarusbank "by decision of the Board of the Bank and performs the following functions:

Collection of cash, payment instructions and other values \u200b\u200bon the basis of contracts from the CASS legal entities and individual entrepreneurs and passing them at the cash register of banks and non-bank credit and financial organizations;

Transportation of cash, payment instructions, precious metals, precious stones and other values \u200b\u200bbetween banks and non-bank credit and financial organizations, their separate and structural divisions, as well as the delivery of such values \u200b\u200bto customers of banks and non-bank credit and financial organizations.

Collection services are created in the Bank's institutions in accordance with the standard structures of the Bank's institutions approved by the Board of the Bank.

In order to improve the efficiency of work and reduce costs, more rational use of working hours of workers and material resources, as well as ensuring proper organization of work and due order to the storage and use of firearms by decision of the Bank's Board in the Bank's institutions, United Collection Services are created, as well as by order of the head The Branch-regional (Minsk) management determines the basic institutions of the bank.

Branch No. 100 - Brest Regional Office of the Open Joint-Stock Company "ASB BelarusBank" was established in accordance with the current legislation of the Republic of Belarus and the Charter of the Open Joint-Stock Company "Savings Bank" BelarusBank "by decision of the Bank's Board with the written consent of the National Bank of the Republic of Belarus.

Management is not a legal entity, operates under the direct organizational and methodological guidance of the Bank's central office and is guided by the legislation of the Republic of Belarus, the Bank's charter, the decisions of the Bank's Office, the Regulations on the branch number 100, as well as local regulatory legal acts of the Bank.

The main objectives of the activity and tasks of management are:

development of financial relations in the Republic of Belarus;

profit;

settlement and cash maintenance of legal entities and individuals; lending to legal entities and individuals, as well as conducting other active banking operations;

attraction of funds in deposits (deposits) and on accounts;

Attraction additional resources for investment in economically favorable projects development of vital branches of the economy of the Republic of Belarus;

stimulating investment in the economy of Belarus;

promoting integration processes in the field of international financial relations;

ensuring the implementation of current and prospective plans for the development of management and geographically subordinate branches, monitoring for the progress of their implementation;

Improving the work of branches and their structural divisions, methodological and organizational management and implementation of control and auditing functions over branches.

Management has the right to carry out the following activities:

attraction of funds of individuals and legal entities in deposits (deposits);

placement of funds raised on behalf of the Bank on the terms of repayment, pay and urgency;

opening and maintenance of bank accounts of individuals and legal entities;

implementation of the settlement and cash maintenance of individuals and legal entities;

Currency exchange operations;

Collection of cash, payment instructions and other values;

Issue bank guarantees;

Financing for assignment monetary requirement (factoring);

Providing special premises to individuals and legal entities or in them safes for bank storage of documents and values;

Guarantee for third parties, providing for the fulfillment of obligations in monetary form;

operations (transactions) with precious metals;

leasing activity;

consulting and information services;

selling, buying securities and other operations with securities;

Methodological and organizational management of branches and provides them with practical assistance on all issues of the Bank's activities;

control and revision functions;

Other banking operations and other activities in accordance with the legislation of the Republic of Belarus, the Bank's Charter, local regulatory legal acts, and decisions of the Bank's management bodies.

A schematic structure of the branch is presented in Figure 2.1.

Figure 2.1 - Organizational structure of branch management No. 100 - Brest Regional Department of OJSC ASB BelarusBank

The presented organizational structure is linearly functional. The linear functional management structure consists of:

linear divisions in the bank main work;

specialized functional units.

Thus, for a branch of the Bank, this structure is optimal, since it is not inherent in the shortcomings of the functional structure, usually expressed in the impossibility of consolidation of the organization, since there will be a "oversaturation" of functions and a violation of communication structures. Each structural unit performs certain functions.

Thus, the Joint Department of Collection and Cash Work Service Organizes and implements in the branch and structural divisions work with cash Belarusian rubles, foreign currency and other values \u200b\u200bfor ensuring their safety, receiving, issuing, exchange, conversion, recalculation.

The structure of the collection service is presented in Figure 2.2.

Figure 2.2 - Structure of the collection service of the branch number 100 - Brest Regional Department of OJSC ASB BelarusBank

He oversees the collection service Deputy Head of the branch number 100.

The duties of the Collection Service includes:

Organization of work on the formation and implementation of the delivery of reinforcements by serviced institutions of the bank and their structural divisions, as well as the export of values \u200b\u200bfrom them, the collection of trade proceeds, delivery wages and exchangeback, transportation of values, performing operations on loading-unloading ATMs, as well as infociosks with Cash-in devices;

Conducting valuables in the vandes of the values \u200b\u200bof branches, CBU, branches in accordance with the requirements regulatory documents National Bank of the Republic of Belarus and local regulatory legal acts of the Bank;

Organization of the work of special vehicles and control over the expenditure of fuel and lubricants on routes, for the targeted use and observance of the limits of the row of special vehicles;.

Organization and implementation of work on the storage and use of firearms and ammunition, radio and telephone communications, body armor, uniform clothing, cash and collector equipment.

organization and conduct of training shooting;

Collection of applications for reinforcements and redistribution of cash in Belarusian rubles and foreign currency from the territorial subordinate divisions of the Office serviced by the Department;

regulation of cash turnover and organization of work on the timely satisfaction of the need for structural divisions of branches serviced by the United Collection Service in cash;

organization and control of cash work in the Operational Department of Management;

Interaction S. government agencies Republic of Belarus on issues governing the work of the collection service;

Organization of work on attracting clients for collecting services;

organization of work on obtaining weapons and ammunition;

Organization of work on learning and receiving at collector employees of tests for knowledge of regulatory legal acts of the National Bank of the Republic of Belarus and local regulatory legal acts of the Bank;

Organization of a medical examination of the collection service workers, admitted to work with firearms;

carrying out inspections of the work team of collectors, as well as a duty collector and duty driver;

Determination of the need for special transport, firearms and ammunition, weapons ammunition, accessories for cleaning weapons, body armor, radio and telephone communications, uniforms, cash and collector equipment;

Consideration and registration in conjunction with interested applications for debiting from a balance due to the moral and (or) physical wear of special transport, firearms and ammunition, radio and telephone communications, body armor, uniform clothing, cash and collection equipment;

Consideration of design and estimate documentation of newly under construction and reconstructed buildings in planning solutions Placement of premises cash jackets And the premises of the collection service.

In its activities, the Collection Service is guided by the legislation of the Republic of Belarus, as well as local regulatory acts:

Instructions for organizing the work of the collection service of OJSC ASB BelarusBank, approved by the minutes of the meeting of the Board of OJSC ASB BelarusBank 09/06/2011 No. 93.8;

The Regulation on the collection of the collection of OJSC ASB BelarusBank, approved by the minutes of the meeting of the Board of OJSC ASB BelarusBank 22.08.2006 No. 65.6 (with additions and changes as of 03.24.2011, which come into effect from 01.04.2011).

Citizens of the Republic of Belarus can be employees of the collection service of the Asb Belarusbank OJSC:

past service in the armed forces, the Ministry of Internal Affairs, the KGB or the Ministry of Emergency Situations, which have persistent handling skills with firearms;

past interview with the head of the collection service;

surrendered regulations on physical training;

past psychological testing in the establishment of the Bank;

able to ensure the preservation of values \u200b\u200badopted for delivery to appointment during collection, transportation and storage;

giving standards for rifle training and offset by rules for the use of firearms and safety measures when handling it;

received permission to store and carry weapons (hereinafter - permission to weapons);

Past professional testing for the knowledge of the requirements of this Instruction, other regulatory legal acts of the National Bank of the Republic of Belarus and the Ministry of Internal Affairs of the Republic of Belarus, as well as local regulatory legal acts of the Bank, regulating the work of the collection service.

When considering the issue of admission to work in the collection service in the Bank, the order of execution of the above requirements are held.

The Regulation on the collection of the collection of OJSC ASB BelarusBank was established by the following regulations on physical training for persons employed in the collection service of OJSC ASB BelarusBank, developed on the basis of a provision on the physical training and sports of military personnel of the Armed Forces of the Republic of Belarus (Table 2.1).

Table 2.1 - Personal training standards for persons employed in the collection service of OJSC ASB BelarusBank

Note - Source:

* For all age groups, clothing form - arbitrary

** In winter, the standard is not executed

Reception of standards and assessment of the physical training of a person employed is carried out by the Commission appointed by the head of the branch. The results of the fulfillment of physical training standards are made in the certificate of fulfillment of regulations on physical training, which is stored in the personal business of the employee.

Also installed normative training standards presented in Table 2.2.

Table 2.2 - Rifle-preparation standards for persons employed in the collection service of OJSC ASB Belarusbank

Name of standard	Terms of performance of standard	Performance time standards
The Makarov pistol
Store Equipment Cartridges
		Time is not limited
Pistol TT.
Store Equipment Cartridges	Shop in hand, 8 amused cartridges on the table (litter)
Incomplete disassembly of gun and assembling it after incomplete disassembly	Worker stands at the table, hands are omitted. The gun is on the table (litter) with an attached store.	Time is not limited
Revolver "Nagan"
Incomplete disassembly of the revolver and assembling it after incomplete disassembly	Worker stands at the table, hands are omitted. The revolver is on the table (litter) with a discharged drum.	Time is not limited
Avtomat AKMS (AKS-74U)
Store Equipment Cartridges	Shop in hand, 30 pits on the table (litter)
Incomplete disassembly machine	Worker stands at the table, hands are omitted. The machine is on the table (litter) with an attached store. Pencil with accessories when disassembly does not understand.
Assembling a machine after incomplete disassembly	Worker stands at the table, hands are omitted. Parts and mechanisms of the machine neatly decomposed on the table (litter).

Note - Source:

The standard is considered to be fulfilled if all the conditions for its implementation are met. The standard is considered not fulfilled if the employee has exceeded the execution time of the standard or an error is made that caused the injury (weapon breakdown). The execution time of the standard is considered to submit a command (signal) to its execution before the employee's report on the implementation of the standard or the sound of the weapon formation on the fuse.

For accepting tests and standards from employees of the Collection Service, the order at the Bank's institution creates a permanent commission within three people. The Chairman of the Commission is appointed by the head (deputy) of the Bank's institution, the collection activities of the Collection Service. Members of the Commission appointed the head of the Collection Service and the Bank's Security Worker of the Bank's Institution. The results of fulfillment of physical training standards are made in the certificate of fulfillment of standards for the physical training of a person employed in the collection service of the branch.

In addition, in accordance with section 5, the provisions on the professional and psychological testing of employees of OJSC ASB BelarusBank, approved by the Board of Bank 23.02.2006 (Protocol No. 15.20), is carried out psychological testing of the person who has been recruited in the collection service.

Also, in accordance with the legislation of the person who newly accepted into the collection service, at its own expense undergo a mandatory preliminary medical examination to obtain a permit for weapons.

Periodic medical examinations of employees of the Collection Service are held annually in the health care organization, with which the Bank's institution has entered into an appropriate agreement, no later than the date of the previous medical inspection. The priority of the passage of periodic medical examinations is determined by the head of the Collection Service on the basis of the schedule approved by the head (his deputy) of the Bank's institution.

Certificates of passing by employees of preliminary and periodic medical examinations are kept in the personal affairs of employees in the service personnel service of the Bank's institution. Photocopies of existing certificates are stored at the head of the collection service to monitor compliance with the established periods of medical examinations.

In accordance with the requirements of section 8 of Regulation No. 61.6 for the newly adopted employee of the collection service for a period of one month, a mentor is fixed. The mentor is fixed by no more than one employee of the collection service. The training of the newly accepted employee of the collection service is carried out in accordance with the individual instruction plan for mentoring.

The deadline for conducting professional testing of persons newly accepted for work in the collection service, as a rule, should not exceed two weeks from the date of their work. If it is received on professional testing of an assessment of a low degree of knowledge and skills (subparagraph 4.1.1 of provisions No. 15.20), the employee is directed to additional training for a period of no more than 5 days. In case of re-obtaining a low vocational test assessment with a person, labor relations are stopped.

At the time of the execution of official duties on the collection and transportation of values, employees of the collection service are issued certificates of personality staff of the collection of the following sample (Figure 2.3):

Figure 2.3 - Certificate of the personality of employees of the collection service of OJSC ASB Belarusbank

Note - Source: Own Development in accordance with

With newly accepted employees of the collection service, contracts are concluded on full individual material liability, orders are issued (Appendix 1 to Regulation No. 23.12) and the probation time is established.

Employees are provided with uniform clothing, including using a substituted fund.

For service workers, job descriptions are developed.

The number of collection routes Currently 13, also carried out 2 times a week 1 route (transportation in Minsk).

259 branches are inscribed and reinforced, including the CU 115 of Kamenets; CU 120 Malorita; CBU 109 Zhabinka. The maintenance contains 312 subjects with which 108 contracts are concluded.

The time of working time and the recreation time of employees of the collection service is established in accordance with the legislation on labor, collective agreement, labor contract And it is reflected in the rules of the branch's internal labor regulations. Collectors and drivers are set by the summable accounting of working time with the duration of the quarter account period.

Collectors and drivers in accordance with Art. 127 Labor Code of the Republic of Belarus may introduce a working day with dividing it into parts. Between individual parts of the working day is possible either one break for rest and eating over 2, but not more than 4 hours, or 2 breaks and more, including a break for recreation and nutrition, a total duration of no more than 4 hours. In the preparation of graphs of movement on the routes of collection, transportation and delivery to the subdivisions of the Reinforcement Bank, as well as when planning for every working day of all types of work (collection, transportation, delivery of reinforcements, cash delivery to customers, loading-unloading of ATMs, etc. ) There should be full-time team of collectors (collectors and drivers) during the working time set on this day.

The schedules of the collection service and work outfits (Appendix A) are stored in the collection service of 1 year, after which they are destroyed.

The following key documents are used in the collection service of the branch:

Act to write-off inventory (tools, household accessories;

Act of examination conditions of collection;

Act of lack of cash in packs (packs) forms 0402030123;

Act of recalculation of a defective bag with a chassisized revenue f. 1003120011;

Cash delivery statement (organization divisions) forms 1003120021;

Power of attorney for the collection of cash revenue of form 0402160132 (Appendix B);

Power of attorney for the transport of values \u200b\u200bof form 0402160137 (Appendix B);

Magazine issuance and admission of weapons, ammunition and resolutions for storage and wearing weapons;

Journal of registration of daily briefing;

Journal of accounting of body armor F. 1004120001;

Journal of accounting issued with storage bags (bags) with cash cash, valuable forms and other values \u200b\u200bof collectors brigade on route No. ___ form 1003120010;

Journal of accounting and receiving weapons, ammunition, documents and other values \u200b\u200bon duty of collection services forms 0402190128;

Magazine accounting magazine, bags, seals, attacks for collecting monetary revenue, body armor and wearable radio stations 0402190129;

Journal of accounting for adopted bags (bags) with values \u200b\u200band empty shape bags 0402190143;

Application-requirement for reinforcement of foreign currency forms 1004120009;

Receipt of form 0402370003;

Control journal of admission to protection and delivery from under the protection of storerooms, safes and other storage facilities;

Personal card driver special machine for transportation of values \u200b\u200bof the established traffic police form;

The route list to collect bags with values \u200b\u200bfor storage and subject to delivery (return) institutions of OJSC ASB BelarusBank, forms 10031200009 (Appendix D);

Transmitted statement to a bag with monetary revenue (first copy), invoice for a bag with monetary revenue (second copy) and a copy of the transmitting statement to a bag with a cash revenue (third instance) forms 0402090005;

Translucent statement to bag with cash reserved stations railway (First copy), invoice for a bag with cash revenue of railway stations (second copy), receipt for a bag with cash revenue of railway stations (third copy) and a copy of the transmitted statement to the bag with cash revenue of the railway stations (fourth instance) forms 0402090006 ;

Transmitted statement to the bag (bag) with currency and other values \u200b\u200bof form 0402090007;

Working Magazine of the Collection Service forms 1004120002;

The disposal issued in accordance with the Regulations on the procedure and sizes of one-time payments to reimburse employees of OJSC ASB BelarusBank of harm caused to him due to health damage in the execution of labor duties due to criminal encroachment approved by the Board of the Bank 14.06.2001 (Protocol No. 23.12);

Disposal for the issuance of foreign currency;

Order on reinforcement by cash and other values \u200b\u200bof branches, CBUs, operating departments, departments, exchange offices of the Bank (for the delivery of cash in the organization) forms 1003120018;

Order on the composition of the team collectors form 1003120004;

Expendable non-balance order form 0402540104;

Expendable cash Order to transport value values \u200b\u200b0402540176;

Accompanying inventory form 0402530146;

List of organizations (entrepreneurs) and their separate divisions, divisions of the Bank's institution serviced by the Collectors of the branch number 100 OJSC ASB BelarusBank;

Certificate of fulfilling the task for the delivery of reinforcement by cash and other values \u200b\u200bof the Bank's institutions (divisions of the Bank's institution) (on the delivery of cash in enterprises) of route sessors No. __ forms 1003120005;

Help of issued by collectors of bags (bags), clarification cards of form 0402830144;

Requirement for reinforcement by cash and other values \u200b\u200bof the CBU, branches, opero, departments, exchange offices of the bank (for the delivery of cash collectation service to enterprises-to-clients) forms 1003120003;

Jaw card form 0402360111 (Appendix D).

The complex process of collecting monetary revenues in the branch includes the following stages:

1) Conclusion of the contract and compliance with the necessary events.

The first stage in the relationship between the Organization and the Bank for the provision of collection services is the conclusion of an agreement in which the duties and responsibilities of the parties are negotiated, the terms of the collection and the size of the board (applications).

After that, the Bank makes an organization on the list and makes a schedule of departures of collectors in the days and clock agreed with the customer.

2) Preparation of a team of collectors for the departure.

The quantitative composition of the collectors team includes at least 3 people, including the driver. One of the team members is appointed by the senior brigade, another - collector-collector. When collecting monetary revenue, the senior brigade and the driver guard bags with cash revenue and are observed for the work of the collector-collector.

3) preliminary actions of the organization-customer service of the bank.

The organization should ensure the preparation of a bag with monetary revenue in advance, before the arrival of collectors. The cashier calculates all the money, sortes banknotes to suitable for applying and dilapidated, reinforce them and invests in the bag. At the same time, the cashier is prohibited to make banknotes in the root of a hundred sheets, as well as produce inscriptions on their packing on the number and amount of nested banknotes.

4) Transferring revenues to collectors.

When receiving bags, the collector-collector checks:

The kiss of the bag, the correctness of its sealing;

Compliance of the number of the received bag and the amount of monetary revenue specified in the fan card, overlines and copies of the transmitting statement;

Availability of signatures of officials of the organization;

Compliance with numbers and inapplication in the invoice, copies of the transmitted statement and the turning card.

5) cash flow in bank.

After the collector-collector finished the reception of bags at the cashier of the organization, he conveys their senior brigade. Bags with monetary revenue are delivered to the bank and surrender to the evening cashier. After that, cash is recalculated and credited to the calculated (current) client account. In addition to delivering values \u200b\u200bfrom the client to the bank, the Collection Service also provides such a service as the transportation of values \u200b\u200bat the client's address. That is, ordering this service.The client can be confident that at the prescribed time, money or other values \u200b\u200bwill be transported from one object to another, while the bank guarantees the reliability and absolute preservation of valuables.

The nature of the collection of commercial bank collectors requires constant close cooperation with the law enforcement authorities. All applicants for the post of employee of the Bank's Collection Service are diverted (after which it is surrendered to obligatory Offset for knowledge of regulatory documents), permanent checks, interviews.

Summing up, it can be concluded that the branched branch network allows OJSC ASB BelarusBank to conduct a united economic policies and promptly maneuver the available resources. Collection provides regulation of cash resources and is additional serviceprovided to customers. The costs of collecting branches of the bank, additional offices, ATMs, are covered by the invoice of commercial enterprises. The main resource of the collection service that most significantly affects the efficiency and safety of work on the collection and transportation of values \u200b\u200bhas always been trained personnel of the collection of the collection. It should be noted that the bank himself creates its collectors. At the first stage, young guys come to work in the bank, with good physical training, a combination of personal qualities, which with the bank practically did not come across. Gradually, a professional team is being formed from them, consisting of proven employees, thanks to which, if necessary, rapid, timely and optimal solutions in a particular situation are taken.

July 13, 2015. 50015

Many people remember the situation of Belarusian media for a couple of years ago. The woman kept the house currency, and when he appealed to the bank - she was told that the bills "moldiness" and the exchange is possible only with the Commission ...

Unpleasant, but, be that as it may, such cases occur from time to time. By contacting the bank or exchange office, you may encounter a situation where you will be denied the operation with your banknote, or will be offered to exchange with the Commission.

Today we will tell you for what damage bills in foreign currency you will have to "pay".

Of course, if only impeccable banknotes fall into your hands, and you do not erase them, do not pierce, do not break, you have nothing to be afraid, any cashier will take such a bill. If damage is still there, but they are not significant, such as a small handy of 0.5 centimeters, then such a bill also, most likely, will take without any commissions.

But, present the situation that the bill, lying in our wallet, still contains certain damage. To find out how the banknote should look like, in order for it to determine how old, and asked to pay the Commission, we appealed to Belarusian banks.

Almost all banks advised us to contact the department, explaining that the exchange decision takes the cashier on the basis of local documents after visual inspection. Those clients who want to see these requirements with their own eyes can find them on the information booth in the department or next to the exchange office. So the most banks answered. However, there were also those financial and credit institutionswhich provided the information you are interested in.

First option: Covers are subject to purchase and reception with a remuneration

BelarusBank I will take the banknotes under the Commission, having the following damage:

waste and pollution formed in the process of natural circulation
spots visible in ultraviolet rays (total area no more than 50% of the banknote area)
torn and splined with transparent ribbon angles or pieces, fragments (total area of \u200b\u200bno more than 2 square meters. centimeters), subject to the unconditional affiliation of all fragments of one banknote
having swamped transparent tape (total long no more than 25% of the length (width) of the banknote)
having small oil and other stains and inscriptions, prints of stamps and their fragments
small holes, punctures, losing corners and edges, fragments (total area of \u200b\u200bno more than 200 square meters. millimeters)

IN BPS Sberbank Such an operation will be produced if the bill has minor defects that have arisen due to natural wear, such as:

pollution, dumps and scuffs
slised torn angles or pieces (no more than 2 square meters. centimeters), if partial parts are unconditionally belonging to this banknote
skued oversight
small oil and other stains, inscriptions and stamps prints in case they do not prevent the determination of the authenticity of banknotes

Even on the example of only these two large banks, you can see that lists of defects acceptable to exchange bills with the Commission are very similar.

Now let's talk about the sizes of the Commission. As practice has shown, the Commission for sharing the Old Covers will be from 2% to 5%, depending on the bank and banknote currency.

	Replacing worn, damaged, but preserved signs of solvency of foreign currency monetary signs, the authenticity of which is no doubt
	Bank	Currency	Commission size
1		u.S. dollars Euro Swiss francs	2% minimum 1 US dollar
1		u.S. dollars Euro Russian rubles	2% of the amount
2		u.S. dollars Euro Russian rubles	3% of the amount
		u.S. dollars Euro Russian rubles	3% minimum 1 US dollar
		u.S. dollars Euro Russian rubles	3% minimum 1 US dollar
		u.S. dollars Euro	3% minimum 1 US dollar
		u.S. dollars Euro Russian rubles	3% minimum 1 US dollar
		u.S. dollars Euro Russian rubles	3% minimum 1 US dollar
3		u.S. dollars Euro Russian rubles	3.5% minimum 1 US dollar
4		other foreign currency purchased banks	5% minimum 20 US dollars

The best and worst results at the BSB Bank. Everything will depend on what currency you want to exchange. If this is the US dollar, then we ask the Commission is not the most "biting", but if russian ruble, it is better to contact another bank.

The second option: the bill is not subject to purchase and reception, but can be accepted for the collection with the charging of remuneration

Atcasts are taken on the collection, which have more significant damage than those listed earlier. For BelarusBank These are banknotes:

lost part of the area (total area of \u200b\u200bmore than 2 square meters), but preserved more than 55% of the initial banknote area
torn to pieces (fragments)
having punctures or holes (with a total area of \u200b\u200bmore than 2 square meters. centimeters)
changed geometric dimensions by more than 3 millimeters as towards zoom and towards reducing banknotes
the main drawings have been changed (elements are diagnosed), there are traces of alteration of banknotes (elements of protection against fake)
seized or damaged protective thread
spilled paint, ink, butter no more than 45 percent of the banknote area
locally changed original coloring, glow in ultraviolet rays or discolored (total more than 50% of the surface of the front or circulation side of the banknote) in case these changes do not prevent the determination of the authenticity of the banknote
having warning inscriptions (marks) of law enforcement agencies, including those visible in ultraviolet rays
having a production marriage (non-printing or blusting of images; there is no one of the elements of protection or this item is indistinguishable (watermarks, protective fibers, protective threads, microtext, local or strip kinegrammas, etc.))
located or having burned corners, edges and other fragments, a total area of \u200b\u200bno more than 2 square meters. Santimeters.

BPS Sberbank At the collection will take bills:

changed initial color and glow in ultraviolet light (stipulated by paint, ink, butter, visited water and chemical compositions and more)
lost significant fragment, but preserved at least 70% of the initial area (including undetented, exposed to aggressive media, charred and exposure), dirty (sticky, fatty, faded, etc.)
having damaged of an intentional character (Dorisovka, multiple inscriptions, including visible in ultraviolet rays)
if the protective thread is seized

Symptoms that will be guided by Bank Belveb., Specified directly on the bank's website. Banknotes of foreign states are accepted for collection, having the following damage (not preventing the authentication of banknotes):

torn to pieces and glued
visited in water, filled with paint, ink, butter
having damaged of intentionally (the main drawings changed, there are significant ink inscriptions, protective threads, etc.)

Recall that the collection, as well as the exchange of dilapidated bills, is a paid operation.

Place in the ranking according to the site version	Acceptance of cash foreign currency
Place in the ranking according to the site version	Bank	Currency	Commission size
1		u.S. dollar Euro Russian ruble pound sterling Polish zloty Canadian dollar Czech krona Turkish Lira Swiss frank cNY Danish krona Norwegian crown Kazakh tenge Swedish crown	3% minimum 10 US dollars
1		u.S. dollar Euro Russian ruble Ukrainian hryvnia Polish zloty pound sterling Swiss frank	3% minimum 10 US dollars
2		u.S. dollar eVRO pound sterling	3.5% minimum 10 US dollars
3	b) completely spilled paint, ink, butter c) damaged by fire d) cut (broken) to many fragments e) painted special paint used in case of robbery e) Fully damaged chemical reactors, including those who led to the luminescence of paper in ultraviolet rays g) having other damage and / or damage more significant IN Bank Belveb Do not take banknotes: having less than 55% area having damage not allowing its authenticity. For example, sticky, mocked, damaged by fire, chemicals, with signs of rottenness or severe pollution. After reviewing all the listed damages, it can be concluded that they are mostly similar in all banks. However, remember that the decision on the replacement of banknotes or acceptance to the collection takes a cash worker carrying out the operation. And this is already a human factor, and there may be a situation where you think your dollars are filled, say, paint less than 45% of the banknote area, and the cashier considers otherwise. Signs of solvency on the information booth of Belgazprombank Thus, it is safe to say that at least such information can not always be found on the websites of banks, but also "classified" it is not. If you can not understand why you agree quite normal to type, you agree to accept only under the Commission, read the information on the stand or ask the cashier. Perhaps the banknote has some defect. On the other hand, you can contact another bank, and maybe you will be lucky - the bill will still take. Human factor:) Information is presented as of July 10, 2015 and does not take into account changes in the future.

Types of foreign currency, the terms of payment on the collection and other conditions for admission to foreign currency for collection are determined in accordance with the requirements of corresponding banks and are communicated by the Department of Work with Values \u200b\u200bto Bank and Department's institutions monetary monitoring and financial monitoring. Foreign currency banknotes are taken without limitation by their nominal, unless otherwise established by the requirements of the Correspondent Bank.

Foreign currency, including in a metal coin that does not comply with the requirements of corresponding banks, can be accepted on the collection only by prior approval with the correspondent bank. In this case, the responsible executor of the bank's office operations service no later than the next working day after the client's appeal to accept the collection of this type of foreign currency sends a letter through the Lotus Notes document management system to the Department of Conditions.

The responsible performer of the Department of Work with Values \u200b\u200bon the day of receipt of the letter of the Institution of the Bank sends to in electronic format Through the document management system "Lotus Notes", the corresponding request to the Department of International and Interbank settlements. At the same time, in case of the need to establish the possibility of collecting damaged / issued banknotes and coins, scanned images of banknote / coins can be applied to the letter. The answer of the Correspondent Bank is communicated after the transfer of the corresponding bank to the Department for Work with Values, which will immediately inform interested institution Bank.

When paying by the Correspondent Bank of the Accidental Currency Values, according to the Rules of the Bank on the reception of valuables for the collection, the payment of the Client is carried out in the currency of the invoked currency values \u200b\u200bor converted to US dollars or euros.

Payment in collection physical lick It can be carried out in cash foreign currency or with enrollment on its contribution (deposit), the current (calculated) account or card account in foreign currency.

The amount of foreign currency payable to the legal entity is credited to its bank account in foreign currency.

When receiving and processing a foreign currency received from the Bank's customers, its authentication and billing is carried out by the cashier's employees in accordance with the requirements and a list of signs of billing bills in foreign currency.

When identifying non-empty banknotes, when recalculating foreign currency from the collector bags, the employee of the cash register, which produces recalculation, in the presence of the controller is an act on the transmitting statement to the bag with foreign currency. The act reflects the dignity, series and number of each non-empty banknote, the amount of foreign currency. The act is signed by the cashier's employee and the controller. Unprofitable banknotes are issued and at the end of the working day surrendered by the cashier employee, the head of the operating cash register, together with the seal from the bag, in which a non-empty banknote was discovered. The seal is stored at the head of the operating cash register for 10 working days and, at the request of authorized persons, it may be presented to them on the review, and after the expiration date of storage is destroyed.

Based on the act in a preluded statement to a bag with a foreign currency responsible executor accounting Institutions of the Bank makes acquisition of a bust balance order. 0402540103 For postponement of non-pay banknotes on a non-balance account 99839 "Different values \u200b\u200band documents".

When detecting non-empty banknotes in the legal entity bag, the head of the cash operations service of the Bank is obliged to banking day Put this informant of the head and chief accountant of the specified legal entity. The supervisor and chief accountant of the legal entity must explain that the identified non-payment banknotes can be accepted by the Bank to collection, as well as bring to them the Rules of the Bank when committing this banking operation. In case of a legal entity to make a foreign currency for the collection (with the exception of banknotes, the authenticity of which causes doubts or who have obvious signs of a fake) to the Bank's institution must be submitted to the statement of an arbitrary form, signed by the head and chief accountant of the specified legal entity, demanding the return of non-pay banknotes .

When detecting non-empty banknotes in the bags of the Bank's institutions and their units, branch No. 519 or the Bank's establishment, in the structure of which the United Collection Service is in the following order.

When detecting non-empty banknotes, an act is drawn up in a transmitted statement. These banknotes are sent to the collection. In this case, a copy of the act is sent to the Bank's establishment, on the basis of which the latter makes an application for collection f. 0701220008. The application is drawn up in two copies of the Bank's Cash Operations Service, is signed by the head of the Bank's institution and is assigned to the stamp of the Bank's institution. Two copies of the statement are transferred to the responsible executor of the accounting service of the branch No. 519 or the Bank's institution, in the structure of which is the United Collection Service.

The responsible performer of the accounting service of the branch number 519 or the Bank's institution, in the structure of which there is a combined collection service, on the basis of the application of the Bank's institution issues the expenditure taxation order. 0402540104 To write off a foreign currency from account 99839 "Different values \u200b\u200band documents" and the acquisition of a busty order f. 0402540103 To assign the amount to the account 99822 "Documents and values \u200b\u200badopted by collection." At the same time, the responsible executor of the accounting service of the Bank's institution, in whose structure is the United Collection Service, inventory (the reverse side of the transmitting statement) for sending foreign currency to the branch No. 519 makes the appropriate mark and makes the second copy of the Bank's Application Application. Branch No. 519 The second copies of the statements of the Bank's institutions report to the department for accounting for the Nostro accounts of the Department of International and Interbank settlements.

The establishment of the bank, in the bag of which a non-empty banknote was discovered, carrying expenses in the amount of remuneration, held by the bank correspondent on the collection of this banknote.

Reception to the collection of banknotes in foreign currency, causing doubt on solvency. Currency reception conditions for collection

Reception to the collection of banknotes in foreign currency, causing doubt on solvency. Currency reception conditions for collection

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