Subparagraph 1.1 of article 86 of the Tax code, which obliges banks to inform the tax authorities about the opening/closing of accounts of natural persons, effective from 1 September 2016. The same wording, but in another paragraph existed in the tax code from 1 July 2014. As of 1 June 2018 banks by inquiries of tax authorities must also provide information about the presence of accounts, contributions (deposits), balances and cash flow and even bills in precious metals.
To request information about accounts, deposits and electronic wallets of the taxpayer, the tax authorities can only during inspections in relation to these entities. for Example, a citizen sent a statement about the tax deduction for buying an apartment, having no official income. In this case the tax might be interested in income on account of such a taxpayer. With such information, the tax authorities may request with the consent of the chief of the Department FNS of Russia on subjects of the Russian Federation or of the management of the FTS of Russia.
Information about tax assessment and penalties for all outstanding income to citizens is not true.
URALSIB Bank offers its individual customers a new loyalty program "URALSIB | Bonus". The program allows you to earn bonus points for purchases and to return part of the money into your account, get gift certificates or send the money to charity.
In order to join the program "URALSIB | Bonus" you must issue a debit or credit card of Bank URALSIB. Next you need to connect the card to the loyalty program via Internet banking or in person at one of the offices of PJSC "BANK URALSIB".
According to the rules of the program "URALSIB | Bonus" for every 50 rubles spent for payment of goods and services, the card will be awarded 1 point.
Accumulated points can be spent in several ways, including:
The client has the ability to view your points balance, history of charges and write-offs of points and spend the points in the personal Cabinet of the Internet Bank URALSIB.
To obtain detailed information and to see the full terms of the design of the program in Bank branches, by phone 8-800-250-57-57, as well as on the website of PJSC "BANK URALSIB".
Bankers are asking the Central Bank to soften the regulation in respect of small loans up to 5 million rubles for small and medium enterprises (SMEs). The costs for banks of issuing and servicing small loans lead to the formation of prohibitive rates for borrowers. The Central Bank believes the problem is exaggerated, pointing out that lending to SMEs is increasing. But according to experts, to ensure the availability of funds, financing micro-business must become a social problem of the state not only in words but also in deeds.
That the Association of Russian banks (ARB) sent to the CB letter with a proposal to make regulatory provisions, which simplifies and reduces the cost of issuing and monitoring of Bank microcredits (up to 5 million rubles) SMEs, told "Kommersant" in the Association. In ARB I propose to provide a simplified procedure for the issuing of microcredits by limiting the total credit debt of SMEs, the rejection of the collection of quarterly financial reports of companies, access of creditors with the permission of the borrower to any of the government agencies (FTS, FIU).
According to the letter of the Association ("b"), the specifics of Russian SMEs is the prevalence of micro — 95.4% of the total number experiencing an acute shortage of funds. While microenterprises are not able to provide banks the quality of the prepared documents to obtain funding. According to Executive Vice-President ARB Elman Mehdiyev, due to the small needs of the bulk of entrepreneurs and high requirements of the Central Bank to the banks monitoring client status and redundancy, SMEs represents little interest to creditors. "The costs of the Bank on the credit application, reservation and maintenance of loans in accordance with the applicable requirements in most cases form a prohibitive rate for this category of borrowers," he says.
According to the Association, the rate on short-term working capital for SMEs can reach 40%, loans for a period of 6 to 12 months — 20-25%, from year — 15-18%, three years — 12-14% per annum. "Now, the effective interest rates (interest rate minus inflation) on long-term loans are around 10% per annum, which is unaffordable for the business, States Mr. Mehdiyev.— To be comfortable, effective rate should be at 2.5–3%". The regulation of banks issuing small loans and supervision on the same conditions as for larger loans leads to the inability to satisfy 80% of the demand of SMEs.
The fact that support for SMEs is an important task, has repeatedly pointed to President Vladimir Putin. The decree "On the national goals and strategic objectives development of the Russian Federation for the period up to 2024," the head of state instructed the government to encourage entrepreneurship to facilitate access to concessional funding, annually increasing the amount of available credit. It was also requested to ensure that by 2024, the increase in the number of employees in SMEs, including individual entrepreneurs, to 25 million people. This is almost 1.6 times more than at present.
"The portfolio of loans to SMEs since the beginning of the year increased by 4%, and on 1 April amounted to 4,317 trillion roubles,— have informed in the Central Bank.— Rate on credits for a term exceeding one year to March 2018 made up of 10.62%, a decrease of 2.65 percentage points in comparison with the same period last year, the rate on loans to construction year dropped by 2.83 percentage points and amounted to 11.32 percent."
According to experts according to statistics, the weighted average lending rates for SMEs were indeed falling. "But statistics and real life often differ, says Ombudsman under the RF President on protection of entrepreneurs' rights Boris Titov.— Microbusinesses nobody will give you credit on terms different from the consumer, that is, with a double-digit rate. Hassle and responsibility to the Central Bank a lot and profit a little. Micro develops mainly "its", because the growth of symbolic and did not manage to solve the problem by increasing its share in the economy." According to him, support for SMEs is first and foremost a social problem. "The government should forget about any profit and to do everything to make the final lending rate for recipients was symbolic," he concludes.
© Newspaper "Kommersant" №92 from 30.05.2018
Bank URALSIB was among Top-10 ranking the loans on business development for a period of 1 year in rubles, according to the website Bankchart.ru. In the study, experts analyzed credit proposals 20 largest Russian banks.
9th place in the ranking took the credit "Business-invest". In the framework of the credit "Business-invest" is issued the funds for expansion or business development, acquisition of new and used vehicles and machinery, equipment, land and immovable property as well as refinancing debt in other banks
PJSC "BANK URALSIB" actively develops products and services for small and medium businesses and is among the Top 5 banks in terms of lending to small and medium businesses in 2017 and the Top 10 banks by volume of SME loans portfolio on 1.01.2018 G.
Detailed information about credit products of Bank URALSIB for small businesses, lending conditions and documents required for the loan, you can get in the nearest branches of the Bank servicing of legal entities and individual entrepreneurs, as well as on the website of PJSC "BANK URALSIB".
The blockchain technology is gaining popularity in various industries from logistics to banking business – by automating processes and problem-solving with the confidence that it brings.
Bank URALSIB was among Top-3 banks with the cheapest online service for individual entrepreneurs, freelancers, according to the study "Business Banking Fees Monitoring – 2018" prepared by the consulting Agency Markswebb.
The top three best rates came in a package of services of the Bank URALSIB "Start from scratch" for business age less than 3 months. To use this package can entrepreneurs who have registered their business with the help of service 1C-Launch of the website of the Bank or of the service for business registration of My business. Within the package, entrepreneurs are free to serve the business in a Bank URALSIB for the year after account opening. The package includes account opening and maintenance with the use of the Internet Bank, payments to the budget and contractors, cash deposits, issuing and servicing business cards.
Only the study "Business Banking Fees Monitoring – 2018" has analyzed the rates 22 Russian banks online banking service for small business in Moscow and St. Petersburg. During the monitoring recorded all subscription payments and one-off Commission charged for cash management services, salary project, acquiring, cash withdrawal, transfers and basic payment transaction in the Internet Bank. The final annual service in each Bank consisted of costs of services required for a specific type of business. The amount calculated for the first year of life business, excluding promotions and special offers with the exception of discounts for payment in advance.
URALSIB Bank is actively developing products and services for entrepreneurs and is in the Top 5 in volume of lending to small and medium business in 2017, according to Expert RA. In April, the Bank has upgraded a range of packages for business. Budding entrepreneurs will also be interesting packets "Startup" and "Business-Start". The package "Startup" value from 480 RUB./month. designed for business, which is less than 1 year. Package "Business-Start" value from 1200 RUB./month. perfect to start working with the Bank. Each package included free opening of accounts, Internet banking, issuing and month of service business card. In addition, the owner of a package can use additional services at a discount: SMS-informing account, by the validation service contractors, online box office for 54-FZ, in installments, etc. All packages assume improved conditions for the business card. In addition, every customer of the Bank URALSIB receives access to the online store solution for business business place and to free training at the University of business of URALSIB.
More information about proposals for business can be obtained on the website of PJSC "BANK URALSIB" and by phone 8 800 700 77 16.
A new feature became available to customers of small and medium business PSB with the release of mobile Bank for "My Business" for Android and iOS devices. Thanks to the system for verification of contractors "Traffic light" user may perform a primary analysis of the counterparty's trustworthiness.
"The new service will help our clients to check on their contractors at the stage of introduction of details for the payment and will reduce the risk of financial loss from the interaction with unreliable counterparties," - said the Director of electronic business of small and medium business PSB Ivan Patkin.
In addition, with the installation of the updates the Bank's customers will be able to connect service of SMS-informing, and notify the contractor in sending your payment by email and mobile phone.
Mobile Bank PSB "My Business" mobile application for SME clients available for IOS and Android. It is equipped with the usual options of the Internet Bank statement for all accounts, payments, documents for the specified period and according to various parameters, analysis of account movements, as well as the connection products.
PJSC "Bank URALSIB" together with B2B service CallToVisit launched a pilot project provided small business clients on a taxi to the offices to open an account. At this stage the service is available to legal entities and individual entrepreneurs in the ten branches of the Bank of Moscow.
To use the service, simply select the option at the time of filling the application for the opening or reserve settlement account on the Bank's website. In addition, order a taxi ride to the office with the purpose of the account, please contact the contact centre of the Bank. The service is provided on a free basis.
Currently the service is available in the following branches of Bank URALSIB in Moscow:
- TO Branch "Kutuzovsky" (Kutuzovsky PR., 27)
- TO Branch "Taganskaya" (street Marxist, 1K1)
- TO a friend (2-ya Tverskaya-Yamskaya, 14
- TO "Business Center Frunze" (St. Ephraim, 8)
- TO Branch of "North" (Academician Korolev St., 3)
- TO "Kuzminki" (Zelenodolskaya St, 36К1) - branch of the "Leningrad prospect" (Leningrad Prospekt, 33A)
- TO the Department "Maryino" (street Lublin, 175)
- TO Varshavskaya in Moscow (Varshavskoe shosse, 82)
- TO the Office "Cheryomushki" (Profsoyuznaya street, 56).
"We strive to continuously improve not only our products but also the process of interaction of clients with the Bank, making it even more comfortable and enjoyable. Service CallToVisit is another step in this direction. In our view, such a bonus can be a good start of mutually beneficial cooperation with customers," said Catherine Malandi, head of development and sales of small business of PJSC "Bank URALSIB".
"Today, the taxi is not a luxury, it is an affordable service that companies can provide to their customers. Thanks to this tool, of course, increases customer loyalty, which is extremely important for every Bank. We hope that the joint project will show positive results and we will be able to share them with the market", – commented Sergei Alimov, co-founder and CEO CallToVisit, B2B service, free taxi service to attract clients to the destination point of sale.
URALSIB Bank is actively developing services for businesses, many of which are free. Including convenient service of business registration 1C-Start on the Bank's website with the ability to connect service package "Start from scratch" with a year of free service; online reservations current account; University - business educational platform for entrepreneurs.
Customers also available Business place – shop solutions for business where you can profitably purchase online-accounting, CRM system, online reporting and other services necessary for each company.
From 01 January 2018, Ministry of economic development implements the program of preferential crediting of subjects of small and medium enterprises, approved by decree of the Government of the Russian Federation from 30.12.2017 No. 1706 "On approval of Rules of granting subsidies from the Federal budget of the Russian credit organisations on compensation of shortfall of their income on loans issued to subjects of small and medium enterprises to implement projects in priority sectors at a reduced rate".
The goal of the Program is to ensure the availability of credit resources for subjects of small and medium enterprises for projects involving the acquisition and (or) creation of fixed assets in one or more priority industries or for working capital. In this case, the priority sectors are agriculture, manufacturing, construction, transport and communication, tourist activities, health and waste management, as well as the sphere of public catering and household services.
Under this Programme the small and medium-sized businesses have the opportunity during 2018 to access loan funds at an interest rate of 6.5% in 15 authorized banks (VTB, Sberbank, Rosselkhozbank, "Bank Acceptance", "Alfa-Bank", CB "ASSOTSIATSIYA Bank", Bank "left-Bank", "Bank Intesa", the Bank, SME Bank, SKB Primorye "Primsotsbank", "Roseurobank", "Bank "Saint Petersburg", MCB Bank, TCB Bank).
To obtain a preferential loan, the entrepreneur must meet the following requirements:
The entrepreneur chooses the authorized Bank for the loan. Authorized Bank is considering providing a loan in accordance with the rules and procedures adopted by an authorized Bank.
The Ministry of economic development of Russia from its side provides subsidies from the Federal budget selected credit organisations on compensation of lost income on loans issued to SMEs at a concessional rate, in accordance with the Resolution.
Projects Bank "Opening" in the field of information security and payment services became one of the best in 2017, according to the expert jury of the VIII Award for innovations and achievements in the financial industry.
On 29 March, Moscow hosted the VIII award ceremony of the innovation and achievements of the financial sector "FINANCIAL SECTOR", organized by the magazine "Banking review".
Automated system incident response information security in the Bank "Opening" the winner in nomination "Implementation in the field of information security". By automating the majority of incidents in the field of information security is handled now automatically in real-time. The average response time to an incident has decreased from several hours to less than 30 minutes.
The project "remittances for photos" in the Bank "Discovery" has won the prize in the nomination "Payment service". In 2017, the first Bank to launch money transfers on client's photo in the mobile app "Open.Translations". In this application it was used a unique technology – neural network face recognition system, which allows the user to transfer money from the card of any Russian Bank on the card of a customer of the Bank "Opening" in his photos taken with the camera smartphone. This opens a whole new life scenarios for online transactions and allows you to use the image on the recipient's face instead of your credit card details.
The Bank "Discovery" has completed the migration of clients to a single system of remote banking services.
On April 17, 2018 customer service systems "PKB Online" and "link" will be made only through the Internet Bank and mobile Bank application. Support "PKB Online" and "link" will be completed.
Previously, from November 2017 to March 2018, in the remote control systems of the Bank were set up payments and transfers, working with deposits, loans and customer accounts of "PKB Online" and "link", the customers started to use the products of the Bank "Opening".
Read more about the new services on the page open.ru/bfko
Promsvyazbank launched for small and medium businesses new corporate card payment system WORLD. National payment card, the WORLD was created with the support of the state for the convenience of customers of Russian banks, meets international safety standards and does not depend on external factors.
Map of the WORLD serviced throughout Russia in the ATM and retail and service networks of all banks. Technology national payment systems meet international safety standards.
"Map of the WORLD is not inferior in its functionality to the systems Visa and Mastercard. Being a reliable national payment instrument, it ensures high safety of payments. Cash withdrawals, cashless payments, SMS notifications - all of these features available to a holder of a corporate card WORLD", - said the Director for development of products and technologies of small and medium business PSB innocent Volovik.
Customers of the Bank available for issuance as a personalized card and card instant issuing. Order the card on the PSB website, through the contact centre and in branches of the Bank throughout Russia.
Bank URALSIB expanded the capabilities of end-to-end services for legal entities and individual entrepreneurs, which allows clients Bank URALSIB served in any branch of the Bank in their community. Now within end-to-end service to make transactions on your checking account can not only the persons indicated in card with sample signatures of the organization, but also representatives of the company, acting under a power of attorney.
"Many entrepreneurs prefer to resolve financial matters at the Bank's office, where competent managers in the format of live communication will answer questions and give advice – said Catherine Malandi. In this case, the entrepreneur is often convenient not to be tied to one specific office, but to have the opportunity to come to any other, which is next door. It's there for our clients-entrepreneurs for more than a year. And now it can do well as representatives of the client company by proxy".
Catherine Malandi, head of the Department of development and sales of small business of URALSIB Bank
In the framework of end-to-end service to the Bank's customers can enjoy the following services:
Detailed information about the products and programs of the Bank URALSIB for business and the addresses of Bank branches can be found on the website uralsib.ru and by phone 8 800 700 77 16.
PJSC "BANK URALSIB" became the winner of the eighth annual innovation award and achievements of the financial sector "Financial sector". The organizer of the award is the magazine "Banking review". The awarding ceremony was held on Thursday, March 29, 2018.
The Bank was awarded in two nominations – "Social project" and "the work of the Bank with branch mass-media".
In the nomination "Social project" Bank URALSIB took 2nd place. Organizers noted the Bank project to support women's entrepreneurship "Mom entrepreneur". Bank URALSIB 2017 as a partner to the project, which aims at supporting and motivating women who are planning to start a business, and building the necessary competencies and knowledge to launch your own startup. The project is in the format of face-to-face training for women on maternity leave or having minor children. The project participants attended lectures and workshops on the basics of entrepreneurship and management, will present their business projects and receive consultations of professional entrepreneurs and experienced business coaches.
The Bank also took 2nd place in the nomination "the work of the Bank with branch mass-media" – the expert jury acknowledged URALSIB one of the most professional and open banks to work with financial industry publications. Currently, the Bank URALSIB cooperates with journalists from 46 Russian regions and occupies the 12th place in the media rating of Russian banks (Banks.ru) at the end of 2017.
The goals and objectives of the award "Financial sector" is the search for a bright, innovative and progressive approaches to the standard set of financial instruments and to attract the attention of the professional community. The objects of the award - banking and financial products, solutions, and methods of their implementation and their creators, as on the market independently and is designed for banks and financial companies.
VTB and Sberbank are moving to a new way of interacting with the FTS, the tax monitoring regime, when, instead of periodic inspections will be continuous review online. Communication with FNS in the new format will allow banks to save money by getting the view controller on the taxation of complex transactions to structuring. However, the tax monitoring regime is so technologically complex that a Bank, for example, goes to him for the second year.
As it became known"", in 2018, the two largest banks Sberbank and VTB are going to go to the tax monitoring regime. This procedure involves the permanent and full disclosure of tax information to the fiscal authorities. In return the company are exempt from inspections and get the right in difficult cases to apply to the tax authorities a reasoned opinion to the transactions. This mode of tax interaction is used in 2015, and in pilot mode worked since 2012. But have moved on him while only two banks (HSBC and NCC) of the 524 financial companies that are eligible.
According to the tax code of the Russian Federation, from 2015 to move to interact with FTS in the tax monitoring regime is entitled to the largest taxpayers, whose taxes per year greater than or equal to 300 million rubles, income and assets — 3 billion rubles. At the moment it's 26 companies.
According to the interlocutor of Kommersant, close to the FNS, it was assumed that the first to move in this mode it is the largest banks. "Sberbank is an active participant in the development of the tax monitoring regime beginning in 2013, noted in the savings Bank.— At the moment there is the final stage of harmonisation of provisions of the agreement on the beginning of the use by the Bank of this mode in respect of all types of transactions and taxes paid". However, earlier the Bank planned to move to tax monitoring in 2017. "To this end, the Bank already opened the appropriate automation project",— said "Kommersant" in the press service of the Bank a year and a half ago (see "Kommersant" on October 20, 2016).
However, compared to the 2016 banks planning to move to a new regime, he added. These plans have confirmed to VTB in order to improve the mode of management and preventing tax risks, as well as reducing the burden of the subsequent tax control.
Plans to study the possibility of transition to "Kommersant" also reported, Raiffeisenbank, Russian agricultural Bank, Absolut Bank.
The fact that only in 2017, FNS approved a number of regulations, including the rules of internal control. In addition, FNS is actively promoting a new model to the market. Deputy head FNS Daniel Egorov said that the tax system is a classical control when dealing with the largest taxpayers is not justified, "tax monitoring — exactly the kind of model that we offer." According to a survey by FNS, the main reason for switching to tax monitoring is the reduction of tax risks, primarily through receipt of the reasoned opinion on non-standard or complex transaction.
Constraint on the transition of banks to a new mode of communication with FNS, is technological difficulty of its maintenance. "The tax monitoring regime requires the restructuring processes within the Bank",— noted in the absolute-Bank. "The taxpayer needs to create a so-called showcase, where do I upload tax returns, tax registers, etc. and make them available to inspectors,"— said the Director of the Department of taxation Deloitte Alexander Sinitsyn. In total, the transition to the new regime requires the Bank for at least a year of training and about 100 million rubles of investments. "In the case of major taxpayers, these expenses can struggle upon receipt of the reasoned opinion on the first complex transaction,"— said partner law firm Taxology Alexey Artyukh. According to the NRF, companies and banks already operating in the monitoring mode, sent to the service 19 requests for reasoned opinions, in the end, on average, in each case, taxpayers could save about 7 billion rubles.