BCB Normative Instruction No. 556

BCB NORMATIVE INSTRUCTION No. 556, OF DECEMBER 2, 2024

Normative document repealed by BCB Normative Instruction No. 675, of 10/14/2025.

Discloses procedures regarding BCB Resolution No. 188, of February 23, 2022, which defines and consolidates the rules for reserve requirements on funds from savings deposits.

The Head of the Department of Banking Operations and Payment System – Deban, using the authority conferred by art. 23, item I, subitem “a”, of the Internal Regulations of the Central Bank of Brazil, annexed to BCB Resolution No. 340, of September 21, 2023, and considering the provisions of BCB Resolution No. 188, of February 23, 2022,

R E S O L V E S :

Art. 1 This Normative Instruction discloses procedures regarding the reserve requirements on funds from savings deposits, as addressed in BCB Resolution No. 188, of February 23, 2022.

Art. 2 For sending and consulting information and moving funds regarding the reserve requirements on funds from savings deposits, institutions must observe the following procedures:

• I - institutions participating in the Reserve Transfer System – STR with primary access via the National Financial System Network – RSFN: use the RSFN; and

• II - other institutions: use the STR-Web application.

Art. 3 For the provision of information referred to in art. 2 relating to reference dates from January 1, 2025, institutions must use the message “RCO0002 - IF informs Statement”, of the RCO Services Group, contained in the Catalog of Services of the National Financial System, filling the field “CodRCO” with the value “7 - Savings deposits”, observing the following codes of the Domain Dictionary:

• I - CodItem “7001 – Free Savings Deposits”;

• II - CodItem “7002 – APE - Funds of Saver Members”;

• III - CodItem “7005 – Free Savings Deposits from May 4, 2012”;

• IV - CodItem “7006 – APE - Funds of Saver Members from May 4, 2012”;

• V - CodItem “7011 – Rural Savings Deposits”;

• VI - CodItem “7015 – Rural Savings Deposits from May 4, 2012”;

• VII - CodItem “7021 – Peculium Savings Deposits”;

• VIII - CodItem “7024 – Peculium Savings Deposits from May 4, 2012”;

• IX - CodItem “7101 – Free Savings Deposits of cooperatives members of a cooperative system and eligible for deduction due to the public calamity state DLG 36-2024”; and

• X - CodItem “7111 – Rural Savings Deposits of cooperatives members of a cooperative system and eligible for deduction due to the public calamity state DLG 36-2024”.

§ 1 For each of the CodItems active in the production environment since June 2002, “7001 – Free Savings Deposits”, “7002 – APE - Funds of Saver Members”, “7011 – Rural Savings Deposits” and “7021 – Peculium Savings Deposits”, the informed value continues to be the balance, on the reference date, of all savings deposits of the respective modality, regardless of whether made before or from May 4, 2012, or whether made by financial institutions eligible or not for the deduction of requirement, as addressed in Annexes I and II of this Normative Instruction.

§ 2 The CodItems 7101 and 7111 must be informed only by the institutions responsible for the collection of credit cooperatives members of a cooperative system, as addressed in the sole paragraph of art. 2 of BCB Resolution No. 188, of February 23, 2022, considering only the daily balances of the credit cooperatives listed in Annex I of this Normative Instruction.

§ 3 The CodItems 7101 and 7111 must not be informed by the institutions listed in Annex II of this Normative Instruction, and, in the case of these institutions, the deduction of the reserve requirement addressed in art. 6 of BCB Resolution No. 188, of February 23, 2022, is applied automatically in the calculation of the requirement.

§ 4 The CodItems 7101 and 7111 will cease to be informed from the calculation period starting on October 13, 2025.

Art. 4 For the purposes of the provisions of BCB Resolution No. 131, of August 20, 2021, Deban will monitor the conduct of institutions regarding the provision and sending within the established deadline of documents, data or information related to reserve requirements, subjecting the institution and its administrators to the penalties provided for in the regulations in force.

Art. 5 In the case of a cooperative system organized on three levels in which the confederation is not a credit one, the cooperative bank responsible for proving compliance with the requirement, as well as for the collection and payment of financial costs, must contact Deban (Operational Subdivision – Reserve Requirements and Allocations – Sucom - telephone: (11) 3491-6758) to receive guidance on operational procedures, during the authorization process for raising rural savings and savings deposits within the scope of the Brazilian Savings and Loan System – SBPE.

Art. 6 BCB Normative Instruction No. 470, of May 15, 2024, published in the Official Gazette of the Union of May 17, 2024, is repealed.

Art. 7 This Normative Instruction enters into force on January 1, 2025.

ROGÉRIO ANTÔNIO LUCCA

ANNEX I

List of credit cooperatives members of a cooperative system eligible for the deduction of the reserve requirement on funds from savings deposits according to art. 6 of BCB Resolution No. 188, of February 23, 2022.

System

Financial Institution (Code)

Financial Institution (Name)

Ailos

08075352

COOP TRANSPOCRED

Ailos

16779741

COOP V. ALTO VALE

Credisis

06975532

CREDISIS COOPESA

Credisis

07494300

CREDISIS/CREDISUL COOPERATIVA DE CRÉDITO

Credisis

97259253

CECM MÉDICOS PLANALTO MÉDIO RS - CREDISIS/CREDIPLAN

Cresol

02663426

COOP CRESOL NOROESTE

Cresol

02904125

COOP CRESOL JACUTINGA

Cresol

02904138

COOP CRESOL ÁUREA

Cresol

02910987

COOP CRESOL CENTRO SUL RS/MS

Cresol

03015152

COOP CRESOL SÃO VALENTIM

Cresol

04565791

COOP CRESOL ARATIBA

Cresol

05211129

COOP CRESOL CENTRO NORTE

Cresol

05220243

COOP CRESOL ORIGENS

Cresol

05241145

COOP CRESOL GETULIO VARGAS

Cresol

05863726

COOP CRESOL PLANALTO SERRA

Cresol

05983995

COOP CRESOL COOPERAR

Cresol

06031727

COOP CRESOL ESSENCIA

Cresol

06139650

COOP CRESOL RIO GRANDE DO SUL

Cresol

07215632

COOP CRESOL ALTERNATIVA

Cresol

07252614

COOP CRESOL CONFIANÇA

Cresol

07465539

COOP CRESOL ALTO VALE

Cresol

07512780

COOP CRESOL VALE EUROPEU

Cresol

07958405

COOP CRESOL SERRA MAR

Cresol

08488377

COOP CRESOL MISSÕES FRONTEIRA RS

Cresol

09488496

COOP CRESOL SAO JOAO DO SUL

Cresol

17343510

COOP CRESOL RAIZ

Sicoob

00694389

CCLA SICOOB CREDICARU SC/RS

Sicoob

01389651

CCLA DO PLANALTO CATARINENSE

Sicoob

02090126

CCLA SICOOB VALCREDI SUL

Sicoob

02466552

CC SICOOB VALE SUL

Sicoob

04247370

CC DE EMPRESÁRIOS

Sicoob

04529074

CC SICOOB CREDICAPITAL

Sicoob

04694278

CECM INTEG. MF DP ESTADO RJ

Sicoob

04876393

CCLA TRÊS FRONTEIRAS

Sicoob

05392810

CC REGIÃO MERIDIONAL BRASIL

Sicoob

07097064

COOP SICOOB CONFIANÇA

Sicoob

62795257

CECM EMPR DA MONDELEZ BRASIL PHILIP MORRIS E K&S ALIMENTOS

Sicoob

73326449

COOP LIVRE ADMISSÃO DE ASSOCIADOS SICOOB CRUZ ALTA LTDA

Sicoob

78483310

CCLA ITAPIRANGA

Sicoob

78825023

CCLAA OESTE CATARINENSE

Sicoob

78825270

CCLA MAXI ALFA

Sicoob

78840071

COOP SICOOB CREDIAUC

Sicoob

80959612

CC ALTO VALE DO ITAJAÍ

Sicoob

81014060

CCLAA ITAIPU SICOOB CREDITAIPU

Sicoob

81016131

CCLA VALE DO VINHO

Sicoob

81367880

CCLA SUL CATARINENSE

Sicoob

81607046

CCLAA SAO MIGUEL DO OESTE

Sicoob

89280960

CECM DOS EMPR DAS EMP RANDON

Sicredi

03000142

COOP POL FED - SICREDI POL

Sicredi

03212823

COOP SICREDI MIL

Sicredi

03662047

COOP SICREDI MP

Sicredi

03750034

COOP SICREDI AJURIS

Sicredi

04525997

COOP SICREDI COOPERUCS

Sicredi

19962468

COOP SICREDI COOABCRED RS

Sicredi

87067757

COOP SICREDI CENTRO SERRA

Sicredi

87510475

COOP SICREDI ROTA DAS TERRAS RS/MG

Sicredi

87733077

COOP SICREDI ESSÊNCIA

Sicredi

87733770

COOP. CRED. POUP. INVEST. CONEXÃO

Sicredi

87779625

COOPERATIVA DE CRÉDITO COOPERAÇÃO - SICREDI COOPERAÇÃO

Sicredi

87780268

COOP SICREDI UNIESTADOS

Sicredi

87780284

COOP SICREDI VL JAGUA ZN MATA

Sicredi

87781530

SICREDI INTEGRAÇÃO DE ESTADOS RS/SC/MG

Sicredi

87784088

COOP SICREDI SUL MINAS RS/MG

Sicredi

87795639

COOP SICREDI ALIANÇA RS/SC

Sicredi

87853206

COOP SICREDI OURO BRANCO RS/MG

Sicredi

87900411

COOP SICREDI ESPUMOSO RS/MG

Sicredi

87900601

COOP SICREDI BOTUCARAÍ RS/MG

Sicredi

88038260

COOP SICREDI PLANALTO RS/MG

Sicredi

88099247

COOP SICREDI RAIZES RS/SC/MG

Sicredi

88471024

COOP SICREDI GERAÇÕES RS/MG

Sicredi

88530142

COOP DE CRED E INVEST LIBERDADE - SICREDI LIBERDADE

Sicredi

88894548

COOP SICREDI UNIÃO RS

Sicredi

89049738

CREDIT, SAVINGS AND INVESTMENT COOPERATIVE NOROESTE RS/

Sicredi

89126130

COOP SICREDI REGIÃO DOS VALES

Sicredi

89468565

COOP SICREDI REG PROD RS/SC/MG

Sicredi

89990501

COOP SICREDI IBIRAIARAS RS/MG

Sicredi

90497256

COOP SICREDI INTERESTADOS RS/ES

Sicredi

90608712

COOP SICREDI SERRANA RS

Sicredi

90729369

COOP SICREDI CULTURAS RS/MG

Sicredi

91159764

COOP SICREDI INTEGRAÇÃO RS/MG

Sicredi

91586982

COOP SICREDI PIONEIRA RS

Sicredi

92555150

COOP SICREDI ALT SERRA RS/SC

Sicredi

92796564

COOP SICREDI ORIGENS RS

Sicredi

95213211

COOP SICREDI CAMINHO DAS ÁGUAS RS

Sicredi

95424891

COOP SICREDI VALE DO RIO PARDO

Sicredi

95594941

COOP SICREDI REG CENTRO RS/MG

Unicred

01526924

UNICRED HORIZONTES

Unicred

01635462

CECM OF THE PHYSICIANS OF THE V TAQUARI AND RIO PARDO AND REG PRO

Unicred

01705236

UNICRED PROSPERAR

Unicred

01796302

UNICRED REGIÃO DOS VALES

Unicred

02641032

UNICRED PONTO CAPITAL

Unicred

07714057

CECM PROF NOTARIAL REGISTRY AREA

Unicred

73750424

CECM UNICRED INTEGRAÇÃO

Unicred

94243839

UNICRED PIONEIRA

Unicred

94433109

CECM MÉD DE PORTO ALEGRE

Unicred

95163002

UNICRED ELEVA

Uniprime

01286361

UNIPRIME PIONEIRA CC

Uniprime

01572667

COOP UNIPRIME SUL LTDA.

ANNEX II

List of banks and independent credit cooperatives eligible for the deduction of the reserve requirement on savings deposit funds pursuant to art. 6 of BCB Resolution No. 188, of 23 February 2022.

System

Financial Institution (Code)

Financial Institution (Name)

Bank

01181521

BCO COOPERATIVO SICREDI S.A.

Bank

01701201

KIRTON BANK

Bank

05040481

BCO DE LAGE LANDEN BRASIL S.A.

Bank

07441209

BANCO MONEO S.A.

Bank

10664513

BCO AGIBANK S.A.

Bank

10690848

BCO DA CHINA BRASIL S.A.

Banco

11476673

BANCO RANDON S.A.

Banco

11970623

BCO SENFF S.A.

Banco

17453575

ICBC DO BRASIL BM S.A.

Banco

33042151

BCO LA NACION ARGENTINA

Banco

33466988

BCO CAIXA GERAL BRASIL S.A.

Banco

61024352

BANCO VOITER

Banco

62144175

BCO PINE S.A.

Banco

74828799

NOVO BCO CONTINENTAL S.A. - BM

Banco

92702067

BCO DO ESTADO DO RS S.A.

Banco

92874270

BCO DIGIMAIS S.A.

Cooperativa Independente

03973814

SERVICOOP

Cooperativa Independente

03990888

CECM SERV PUBL MUN DE POA

Cooperativa Independente

05331882

CECM FUNC DA GKN DO BRASIL

Cooperativa Independente

05419025

CECM PROFES EST DA RM DE POA

Cooperativa Independente

05591437

CECM SERV PUBL ADM E LEG RS

Cooperativa Independente

05841967

CECM FABRIC CALÇADOS SAPIRANGA

Cooperativa Independente

43488782

CECM EMPR GRUPO FEMSA BRASIL

Cooperativa Independente

82096447

CREDIBRF COOP

Cooperativa Independente

88043187

COOPERATIVE OF EMPLOYEES OF PROLEC GE BRASIL

Cooperativa Independente

88183173

CECM EMPLOYEE PARAMOUNT GROUP

Independent Cooperative

88325113

CECM MINUANO

Independent Cooperative

88952130

CECM GERDAU E AÇOS PIRATINI EMPLOYEES

Independent Cooperative

90278987

CECM ASCAR/EMATER-RS STAFF

Independent Cooperative

90560434

CECM METALLURGICAL WORKERS POA GDE POA

Independent Cooperative

91018408

CECM OF EMPLOYEES OF COMPANIES OF THE DANA GROUP

Independent Cooperative

92675578

CECM OF EMPLOYEES OF THE FIERGS SYSTEM - CRESUL

Independent Cooperative

92825397

COOPCRECE

Independent Cooperative

92935741

CECM BANRISUL EMPLOYEES

NOTE

Decree No. 10.411, of 30 June 2020, provides, in its art. 3, that the issuance, amendment or revocation of normative acts of general interest to economic agents or users of the services provided, by bodies and entities of the direct, autarchic and foundational federal public administration shall be preceded by regulatory impact analysis – RIA.

However, that same Decree lists, in the items of § 2 of its art. 3, normative acts to which the aforementioned obligation does not apply, among which we highlight acts “that deal strictly with exchange and monetary policy” (item IV of the aforementioned paragraph).

Therefore, taking into account that it deals strictly with monetary policy, the preparation of an RIA does not apply to the Normative Instruction hereby proposed.

ROGÉRIO ANTÔNIO LUCCA Head of the Department of Banking Operations and Payment System