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Какие операции даёт банку право выполнять общая лицензия в Республике Беларусь?

Now I have a clearer picture. The current Banking Code of Belarus (№441-З from 25.10.2000, as amended) does NOT use the terms "общая лицензия" (general license) and "внутренняя лицензия" (internal license) anymore. This is an important distinction.

The old Banking Code (before the 2024 revision by Law No. 441-З) had a system where licenses were classified as:

  1. Внутренняя лицензия (internal license) - allowed the bank to perform banking operations only with residents of Belarus
  2. Общая лицензия (general license) - allowed the bank to perform ALL banking operations including with non-residents

But the current (new) Banking Code, which was adopted as Law №441-З from 25.10.2000 and has been substantially revised (including the 2024 revision), now uses a single "лицензия на осуществление банковской деятельности" (license for banking activity) that specifies a list of banking operations the bank is entitled to perform.

Wait, I need to be more careful about the dates here. The Banking Code was originally adopted on 25 October 2000 as №441-З. But it has been amended many times. The significant revision happened in 2024 (the "new" Banking Code took effect on 1 July 2024).

Actually, looking more carefully at the search results, I see that the current code doesn't have the old "общая лицензия"/"внутренняя лицензия" distinction. Instead:

  • Article 93 says: "В лицензии на осуществление банковской деятельности указывается перечень банковских операций, которые банк вправе осуществлять." (The license specifies a list of banking operations the bank is entitled to perform)

So the current system is different from the old one. However, the user is specifically asking about "общая лицензия" - this term was from the old Banking Code.

Let me think about this. The question might be:

  1. Based on the old law (which the user may have studied or be referencing)
  2. Or the user may be unaware that the law has changed

I should check whether there's a transitional provision or whether the old term still appears somewhere. Let me also verify by searching for when the change happened.

Actually, I recall that the old Banking Code had Article 90 which stated: "Статья 90. Лицензия на осуществление банковской деятельности Лицензии на осуществление банковской деятельности подразделяются на: внутреннюю лицензию, дающую банку право осуществлять банковские операции в белорусских рублях с резидентами Республики Беларусь; общую лицензию, дающую банку право осуществлять все банковские операции как с резидентами, так и с нерезидентами Республики Беларусь."

But this was in the OLD version. The NEW Banking Code (effective July 1, 2024) replaced this system.

Let me verify this by searching the web for the old article 90 and the change. Actually, I should check whether the current code still has the distinction. Let me fetch the actual text from etalonline.by to be sure.

Actually, based on all my searches, I'm confident that:

  1. The current Banking Code does NOT have the "общая лицензия"/"внутренняя лицензия" distinction
  2. The old Banking Code DID have this distinction

The current system (per Article 93): There is one type of license - "лицензия на осуществление банковской деятельности" - and it lists the specific banking operations the bank can perform. There is no longer a distinction between "general" and "internal" licenses.

But wait - I should double-check. The user specifically asked about "общая лицензия" - maybe this concept still exists in some form, perhaps in a subordinate normative act? Let me verify.

Actually, I think the best approach is to:

  1. Explain that the old distinction between "общая лицензия" and "внутренняя лицензия" was eliminated in the new Banking Code (effective July 1, 2024)
  2. Explain the current system where the license lists specific banking operations
  3. List all the banking operations from Article 14
  4. Also explain what the old "общая лицензия" gave the right to do (for historical reference)

But actually, let me re-read the user's question. They asked "Какие операции даёт банку право выполнять общая лицензия в Республике Беларусь?" - "What operations does the general license give the bank the right to perform in the Republic of Belarus?"

And they say "Ответ действителен согласно законодательству Республики Беларусь на текущую дату" - "The answer is valid according to the legislation of the Republic of Belarus as of the current date."

So the user wants the answer based on CURRENT legislation. Since the current Banking

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