Какие правовые последствия влечёт осуществление банковской операции без лицензии?

Now I have all the authoritative sources I need. Let me compile the comprehensive legal answer.

Key sources gathered:

1. Банковский кодекс РБ (ст. 8, 14, 13, 133):

   • Ст. 8 — bank is a legal entity with exclusive right to carry out banking operations (attracting funds into accounts/deposits; placing those funds; opening and maintaining bank accounts)
   • Ст. 14 — comprehensive list of banking operations
   • Ст. 13 — principles of banking activity, including обязательность получения специального разрешения (лицензии)
   • Ст. 133 — KEY: Liability for carrying out banking activity without a license:
     • Persons bear responsibility in accordance with legislation
     • By court decision (economic court), legal entity may be liquidated, IE activity terminated
     • Income obtained directed to republican budget

2. УК РБ ст. 233 «Предпринимательская деятельность, осуществляемая без специального разрешения (лицензии)»:

   • Ч. 1: income in large size → штраф, или лишение права занимать должности, или арест, или ограничение свободы до 2 лет, или лишение свободы до 2 лет со штрафом/без
   • Ч. 2: повторность OR привлечение средств граждан (if income/return paid from other citizens' funds) OR income in particularly large size → штраф, или ограничение свободы до 5 лет, или лишение свободы до 5 лет
   • Ч. 3: organized group → штраф или лишение свободы (the text was cut off but I know it's up to 7 years)
   • Note: large size = 1000 БВ, particularly large = 2500 БВ (under примечание to ст. 233 / and ст. 22 "крупный размер")
   • Income = entire revenue without deducting costs (примечание to ст. 233)

3. КоАП РБ ст. 13.3 «Незаконная предпринимательская деятельность» (this is the current article in the new 2021 КоАП; note web results mentioned ст. 12.7 which was the old КоАП):

   • Ч. 1: activity without special permission (license) when required, or violation of licensing rules → штраф 10-50 БВ; on IE — 10-200 БВ with confiscation up to 100% income; on legal entity — up to 500 БВ with confiscation up to 100% income
   • Ч. 2: without state registration OR without both registration and license → штраф до 100 БВ с конфискацией предмета, орудий, средств + до 100% income
   • Ч. 3: activity that is illegal/prohibited → штраф 20-50 БВ...

4. ГК РБ:

   • ст. 22 — right to engage in licensed activity arises from moment of obtaining license
   • ст. 45 — legal entity (commercial) liquidation

5. Постановление Пленума Верховного Суда РБ от 28.06.2001 № 6 — judicial practice on illegal entrepreneurial activity

Now, the threshold between administrative and criminal liability: criminal applies when income reaches крупный размер (large size). Under ст. 233 УК примечание and ст. 22 УК:

• крупный размер = 1000 базовых величин (БВ) for the income
• особо крупный = 2500 БВ

Actually let me be careful. The примечание to ст. 233 УК defines доход. The крупный размер is defined in примечании к главе / ст. 233. Per the Plenum постановление: крупный размер дохода — 1000 БВ. I'll mention this but frame it carefully. Actually, let me note: under current law, "крупный размер" for ст. 233 is income exceeding 1000 БВ (this was historically the case). I should verify but it's standard. Let me state it as the threshold while being careful. Actually I'll mention the concept without pinning an exact number I'm unsure about, OR I'll mention it's defined in примечании к ст. 233.

Let me also mention consequences:

• Nullity of transactions (сделки, совершенные без лицензии — may be invalid under ст. 22 ГК / ст. 180 ГК РБ — сдел