Explanatory note to financial statements: sample

Currently, current legislation does not provide for the mandatory provision of such a form as an explanatory note to the balance sheet for 2020 as part of the annual reporting. However, in most cases you cannot do without it. There are no special requirements for this document, but it is advisable to compile it without errors. Indeed, if the data does not correspond with those indicated in the report itself, the tax service may have questions. Let's see who, when, why and in what form should draw up notes to the balance sheet?

Explanations to the balance sheet and a note are not the same thing

The explanatory note to the 2020 balance sheet, a sample of which can be seen in this article, does not replace the explanation to the balance sheet. By virtue of PBU 4/99 “Accounting statements of an organization”, “Explanations” are a breakdown of the balance sheet items, as well as clarification of individual reporting forms:

statement of changes in equity;
cash flow statement;
other reporting forms and applications as part of the financial statements.

Whereas the note is an arbitrary transcript of the entire financial situation in the organization. It can contain both general information and detailed explanations of the lines of the balance sheet and income statement. According to Article 14 of Federal Law No. 402 dated December 6, 2011 and paragraph 4 of Order No. 66n of the Ministry of Finance of Russia dated July 2, 2010, this document is included in the annual financial statements. In particular, paragraph 28 of PBU 4/99 stipulates that business entities are required to draw up explanations for the balance sheet and Form No. 2 in the form of separate reporting forms and a general explanatory note. Although officials do not put forward any specific requirements for the form and content of this document, all organizations must submit an explanatory note with a balance.

An exception to the general rule are representatives of small businesses, who have the right to prepare and submit accounting reports in a simplified form. They must provide only two mandatory forms: a balance sheet and an income statement. They do not have to decipher the meanings and describe their financial situation. However, if such a desire arises, it is not forbidden to draw up this document.

Document form

Explanations can be made in text and (or) tabular form. They are usually presented in table form. You can decide what to include in such a table yourself, taking into account Appendix 3 to Order No. 66n of the Ministry of Finance of Russia dated July 2, 2010 (clause 4 of Order No. 66n of the Ministry of Finance of Russia dated July 2, 2010).

If you are filling out such Explanations for the statistics department or tax office, then after the column “Name of the indicator”, additionally enter the column “Code” into the tables. Enter line codes in accordance with Appendix 4 to Order No. 66n of the Ministry of Finance of Russia dated July 2, 2010. This procedure follows from paragraph 5 of Order No. 66n of the Ministry of Finance of Russia dated July 2, 2010.

Who needs an explanatory note to the annual report for 2020 and why?

A sample explanatory note to the balance sheet is necessary for all users of financial statements to obtain more complete additional information about the financial and economic activities of a legal entity. Such information, as a rule, cannot be provided in other reporting forms, but it is important and is of interest both to the founders or creditors of the company, and to regulatory authorities. Data in this document can be included based on specific wishes, for example, the board of directors, as well as based on the characteristics of the current economic situation at the enterprise by the end of the year. For example, if the income tax for the reporting period turned out to be significantly lower than the previous one, it makes sense to describe the reasons for this in an explanatory note, since the tax authority, having received such data, will still ask for an explanation. By anticipating this desire, you can avoid not only unnecessary questions from tax authorities and calls to the “carpet” of the inspectorate, but also an on-site inspection, which can be scheduled as part of a desk audit.

Formatting a note

The paper can be written by hand or typed on a PC. At the bottom is the visa of the person who compiled it. The document must contain all the necessary details, as required by GOST 6-30.2003. When it consists of more than one sheet, it is recommended to use a binding, as well as a cover with mandatory numbering (transparent). It is important that the title is not marked. On other pages, numbers are placed at the bottom center.

To write this paper correctly, it is better to prepare in advance by considering numerous examples. Explanatory note - a sample can always be downloaded on our website. It is usually used as accompanying paper to the main document. With its help, it is possible to justify the content of certain provisions according to the established requirement. All necessary data is entered on a special letterhead of the organization with the relevant details.

When the need to draw up an explanatory note is caused by any incident, unusual situation or atypical event, it can be drawn up on a regular A4 sheet. After signing, it is sent to the superior official. If the written text will be transmitted horizontally, it is recommended to format it as an official document. It will need to be assigned a corresponding outgoing number.

If you are puzzled by the problem of how best to write an explanatory note, it is important to pay attention to the following details:

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company name;
information about the addressee (his position and full name);
title of the document “explanatory note”;
date of registration and outgoing registration number;
subtitle to the text, for example “about the case” or “about the question”;
brief information to the point;
last name, first name and patronymic of the author with a personal signature.

The current GOST 6-30.2003 recommends compiling paper in two parts. The first provides basic information, setting out all the facts that prompted its compilation. The second part describes the background to what happened and justifies the reason for writing the note. Having figured out how to write an explanatory note - our specialists will help you find a sample - it is important to understand that it should be submitted to make amendments to the reporting documentation.

The preparation of an explanatory note, as well as a service note, regarding the indication of details are identical, which is enshrined in GOST 6-30.2003. If the management of a company needs to convey information about ongoing events related to ensuring its livelihoods, it will be necessary to draw up a report. This is also correct from the point of view of the absence of a logical component in which it is necessary to present conclusions and make proposals.

Explanatory note to the financial statements

The sample shows what a document might look like, the more precise name of which is “Explanations for the Balance Sheet.” We took the notional organization LLC “Horns and Hooves,” which has been operating since 2005 and is engaged in the production and sale of dairy products. Its chief accountant compiled this document as follows:

Explanations to the balance sheet of Horns and Hooves LLC for 2018

1. General information

Limited Liability Company (LLC) “Horns and Hooves” was registered by the Federal Tax Service No. 1 for St. Petersburg on March 29, 2005. State registration certificate No. 000000000, INN 1111111111111111, KPP 22222222222, legal address: St. Petersburg, Nevsky Prospekt, 1.

The organization's balance sheet was formed in accordance with the rules and requirements of accounting and reporting in force in the Russian Federation.

Authorized capital of the organization: 5,000,000 (five million) rubles, fully paid.
Number of founders: two individuals O.M. Kurochkin and I.I. Ivanov and one legal entity "Moloko" LLC.
Main activity: milk processing OKVED 15.51.
The number of employees as of December 31, 2020 was 165 people.
There are no branches, representative offices or separate divisions.

2. Basic accounting policies

The accounting policy of LLC "Horns and Hooves" was approved by order of director Ivanov I.I. dated December 25, 2013 No. 289. The straight-line depreciation method is used. Valuation of inventories and finished products is carried out at actual cost. The financial result from the sale of products, works, services, goods is determined by shipment.

3. Information about affiliates

Ivanov Ivan Ivanovich is the founder, 50% of the ownership share in the management company, holds the position of general director.

Kurochkin Oleg Mikhailovich - founder, 30% share of ownership in the management company.

LLC "Moloko" - founder, 20% ownership share in the management company, Russian organization (founders V.P. Petrov and Yu.K. Sidorov).

During the reporting period, the following financial transactions were carried out with related parties:

On March 12, 2020, the general meeting of the founders of Horns and Hooves LLC reviewed and approved the financial statements of the organization for 2020. The meeting decided to pay a profit in the amount of 3,252,000 rubles to the founders based on their share in the authorized capital based on the results of 2017. The payment (including personal income tax withholding for two individuals) was made on April 1, 2018;
On May 25, 2020, Horns and Hooves LLC entered into a contract with the founder of Moloko LLC, Yu.K. Sidorov, an agreement for the purchase of non-residential premises worth 5,102,000 rubles. The cost of the transaction is determined by an independent assessment of the value of the property. Payments under the agreement were made in full on June 6, 2018, and the transfer and acceptance certificate of the real estate was signed.

4. Key performance indicators of the organization for 2020

In the reporting year, the revenue of Horns and Hooves LLC amounted to:

for the main type of activity “production and sale of dairy products” - 385,420,020 rubles;
for other types of activities - 650,580 rubles;
other income: 170,800 rubles (sale of fixed assets).

Costs of production and sales of products:

acquisition of fixed assets: 1,410,500 rubles;
depreciation of fixed assets: 45,230 rubles;
purchase of raw materials: 110,452,880 rubles;
wage fund: 137,580,040 rubles;
travel expenses: 238,300 rubles;
rental of premises: 8,478,190 rubles;
other expenses: 532,458 rubles.

5. Explanation of balance sheet items as of December 31, 2018 (using accounts payable as an example)

Availability and movement of accounts receivable

6. Estimated liabilities and provisions

As of December 31, 2020, the organization formed an estimated liability for payment of regular vacations of employees in the amount of 7,458,000 rubles, the number of unpaid vacation days is 67, the deadline is 2020.

The reserve for doubtful debts was formed in the amount of RUB 600,000. due to the presence of overdue and unsecured debt of Girya LLC in the amount of 522,000 rubles.

The organization did not create a reserve for reducing the value of inventories in 2020, since inventories do not show signs of depreciation.

7. Salary

Payables for wages as of December 31, 2018 for the organization as a whole amounted to RUB 3,876,400. (payment for December 2020, due date: 01/12/2019). Staff turnover in the reporting period was 14.88%. The number of employees as of December 31, 2018 is 165 people. The average monthly salary is 25,675 rubles.

8. Other information

(In this section you need to describe all extraordinary facts in the business and economic activities of the organization for the reporting period, describe their consequences. You can also describe all other significant facts that affected the balance sheet in general and, in particular, you can list major transactions and counterparties for them for the reporting period, as well as write a forecast or events that have already occurred after the reporting date and are of significant importance.)

Letter on the economic meaning of account transactions

In accordance with Federal Law 115 “On Combating the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism” of August 7, 2001, all credit institutions are required to analyze the monetary transactions of existing clients, checking them for suspicion. When conducting the analysis, they can be guided by the criteria of the Central Bank, prescribed in Regulations number 375-P dated March 2, 2012.

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We are talking about tracking any transactions that have signs of illegal cashing, transit transactions, withdrawal of funds abroad, hide the true goals and disorient the bank in the settlement schemes being carried out.

refuse the client to open an account, issue (re-issue) bank cards or block existing ones;
refuse to issue cash, as well as to refuse to transfer funds by bank transfer;
block access to Internet banking, including disabling the web version and application.

In addition, an account may be blocked if the bank considers that the client is related to extremist activities (terrorism), with the subsequent inclusion of this person in a special list of the Federal Financial Monitoring Service.

If this happens, the client will not be able to open an account in any Russian bank.

I deposited funds in cash at the bank's cash desks upon presentation of my passport, as evidenced by cash receipt orders of the approved form.

Important I never found the request in the mail, apparently it ended up in spam or did not arrive.

Couldn't you have called? I used their card to withdraw ale, I did not use it often, very sparingly, since I had already heard about frequent blocking.

A girl from the bank’s financial monitoring called and inquired about withdrawal operations from ale. We agreed that she would send me a request via email and I would write back. Greetings, bun lovers.

Lately I have often been asked questions about what to do if the bank calls for an explanation.

You must ask yourself why the bank is interested in you, and what transactions might arouse its suspicions. Perhaps you recently withdrew large sums from your account (from 600 thousand).

rub.) or have you recently transferred money to third parties too often?

As supporting documents, you can use, for example, various contracts (purchase and sale, contract, loan, rental of premises, rental of property), invoices and receipts (for payment of goods and services), pay slips regarding the crediting of workers' compensation, promissory notes, certificates from the Federal Tax Service of the Russian Federation, statements of accounts in other credit institutions, etc.

The request may concern both the origin of funds in accounts and cooperation with counterparties from remote areas.

Often, the basis of illegal cash withdrawals is the use of forged documents. 1 Word formation 2 History and meaning of “cash out” in the USSR and the Russian Federation 3 Various work schemes 3.1 Cash out using 3.2 Cash out with the participation of a bank 3.

3 Cashing out through deposits of individuals 3.4 Cashing out through individual entrepreneurs 3.5 Cashing out using false passports 3.6 Cashing out with the participation of nominee directors 3.7 Cashing out using debit cards 3.8 Cashing out using payment terminals 3.

2 Cash and power 5 Pricing 6 Legal liability 6.1 Customer liability

You must ask yourself why the bank is interested in you, and what transactions might arouse its suspicions.

https://youtu.be/NgL7WFUItjc

Were the physicists paid? Are the amounts large? Perhaps you have recently withdrawn large sums from your account (from 600 thousand rubles) or have recently transferred money to third parties too often? As supporting documents, you can use, for example, various contracts (purchase and sale, contract, loan, rental of premises, rental of property), invoices and receipts (for payment of goods and services), pay slips regarding the crediting of workers' compensation, promissory notes, certificates from the Federal Tax Service of the Russian Federation, statements of accounts in other credit institutions, etc.

The bank may ask the client to confirm the economic meaning of the transactions by sending the information of interest to him in writing within 7 days from the date of receipt of the notification.

Again, based on Mike’s letter, a response was compiled: To the branch of MTS Bank PJSC in the city.

Rostov-on-Don from In response to your request No. dated 2015, I inform the following: The bulk of the funds I deposit into my current account are my own savings from previous years; if necessary, I am ready to provide certificates in form 2NDFL confirming my income. You can also make a request to the credit history bureau if my financial solvency raises questions for you. The economic meaning of the transactions indicated in the Internet Banking statement as

This is nothing more than replenishing your bank card through your service “Transfer from card to card”.

We invite you to familiarize yourself with a sample employee personal card

Explanatory note to the balance sheet and income statement

An explanatory note to the balance sheet and other forms of reporting is not a mandatory document and is drawn up at the discretion of the organization. Therefore, the composition and structure of the explanatory note is different for each organization. The purpose of the explanatory note is to provide users with additional data that is not included in the main reporting forms and annexes to them, but which would be useful for reporting users. For example, the explanatory note reflects significant events that occurred after the reporting date. An example of such information could be information about annual dividends recommended or declared after December 31 based on the organization’s performance for the reporting year (clause 10 of PBU 7/98).

An organization's explanatory note may also contain explanations in tabular form according to the form given in Appendix No. 3 to Order of the Ministry of Finance dated July 2, 2010 No. 66n. An example of such explanations can be downloaded in Excel format here.

Sample explanatory note of the organization based on the results of 2017.

Why explain the balance?

Reporting must be reliable and complete and provide the user with a clear picture of the financial position of the organization. In the balance sheet and Form 2 we present generalized indicators, from which, as a rule, it is difficult to draw comprehensive conclusions. This means that they need to be explained.

IMPORTANT! Accounting statements for 2020 must be prepared using updated forms, and submitted according to new rules. Due to the coronavirus, the deadline has been extended.

Let’s take the line “Accounts receivable” as an example. To put this figure in the report, you need not only to collect the balances of all settlement accounts, but also to take into account the amount of the reserve for doubtful debts (if any). It is not shown separately in the balance sheet, and interested users (owners, investors, regulatory authorities) need additional explanations in this regard.

For information about the preparation of explanations given in relation to debts, read the article “Deciphering accounts receivable and payable - sample.”

All organizations must formulate explanations, with the exception of:

small enterprises entitled to simplified accounting and reporting;
public organizations that do not conduct business activities and have no sales.

Moreover, explaining the balance is in the interests of everyone who cares about their reputation. The more fully the figures from the report are disclosed, the more transparent the company’s activities will appear. Such reporting will help not only strengthen your credibility, but also attract new investors. Explanations on the balance sheet will also help avoid unnecessary questions from regulatory authorities.

Read about the requirements for accounting in the material “What requirements must accounting satisfy?” .

NOTE! Clause 39 of PBU 4/99 (approved by order of the Ministry of Finance of the Russian Federation dated July 6, 1999 No. 43n) stipulates that companies have the right to provide additional information along with reports if it is useful for external users of the reports. At the same time, the Ministry of Finance believes that companies are obliged to disclose information related to accounting reporting (information of the Ministry of Finance dated December 4, 2012 No. PZ-10/2012).

The explanatory note is a mandatory component of the financial statements in paragraph 5 of PBU 4/99 “Accounting statements of an organization.” Explanations should disclose information related to the accounting policies of the organization, as well as provide users of the statements with additional data - data that is inappropriate to include in tabular reporting forms, but which is necessary for users to evaluate the organization's performance indicators.

The right not to provide an explanatory note as part of the financial statements is given only to small enterprises that are not required to conduct an audit of the accuracy of the financial statements.

To reflect the state of the organization at the reporting date, the explanatory note to the balance sheet must contain the following information:

Information about the organization:

organizational and legal form and name of the legal entity;
legal and actual address;
average annual number of employees for the reporting period or as of the reporting date;
composition of members of executive and control bodies;
information about the founders;
size of the authorized capital;
information about the auditor, appraiser;
Availability of licenses, terms of their issuance;
organization management structure;
the amount of taxes paid by the organization in the reporting year.

Contents of the accounting policy:

separate rules for accounting for assets and liabilities adopted by the accounting policy are disclosed;
the reason for the change in accounting policy is indicated;
reflects the consequences of changes in accounting policies compared to the previous reporting period;
a change in accounting policy for the year following the reporting year is reported;
it is indicated that the relevant data from the periods preceding the reporting year included in the financial statements for the reporting year have been adjusted.

Information on individual assets and liabilities:

By fixed assets:

on the initial cost and the amount of accrued depreciation for the main groups of fixed assets at the beginning and end of the reporting year;
about the useful life of objects;
about methods of calculating depreciation and its reflection in accounting;
on the movement of fixed assets during the reporting year by main groups (receipt, disposal, etc.);
about real estate objects that are in the process of state registration, but have already been put into operation and are actually in use;
on the availability at the beginning and end of the reporting period and the movement during the reporting period of certain types of own fixed assets;
on the availability at the beginning and end of the reporting period and the movement of leased fixed assets during the reporting period;
on methods for assessing assets acquired under agreements providing for the repayment of obligations in non-monetary means;
on the amount of depreciation of fixed assets, which, as a result of revaluation, is credited to the account of retained earnings (uncovered loss);
about fixed assets, the cost of which is not repaid;

For inventories:

about methods for assessing MPZ by their groups (types),
about the consequences of changes in these methods,
on the amount and movement of reserves for reducing the value of material assets.

For loans and borrowings:

on the availability, repayment terms and changes in the amount of debt for the main types of loans and credits;
on the amount, types, repayment terms of issued bills of exchange and placed bonds;
on the amounts of borrowing costs included in operating expenses and the cost of investment assets;
on the value of the weighted average rate of loans and credits (if applied).

How to write an explanation to the bank about the economic meaning of transactions

Bankers calculate what percentage of the account turnover the company paid to the budget. So they are trying to figure out one-day transactions that only carry out transit transactions on the account. According to the Central Bank of the Russian Federation, it is suspicious if the percentage of taxes and contributions is less than 0.9 of the debit turnover on the account. If banks detect other signs of questionable transactions, they will block the account by the Bank of Russia

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

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If you want to find out how to solve your particular problem, please use the online consultant form on the right or call the numbers provided on the website. It's fast and free!

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WATCH THE VIDEO ON THE TOPIC: The bank requests the origin of funds! What to do?

In response to your letter, I inform you that it makes economic sense. In the explanation, the bank must be informed that the company has the right to enter into agreements with counterparties from any region. After all, there are no restrictions on this in law.

Then it is worth briefly explaining why the organization cooperates with partners from remote cities.

The reasons may be different: the prices and terms of transactions with these counterparties are more favorable, the company has increased the number of clients, began to conduct new types of business, etc.

I called the bank, they decided that lately we had been withdrawing a lot of cash suspiciously, and that’s why they demanded an explanation. But I don’t understand what to actually explain if the check already says that the money was withdrawn for business needs. Credit organizations will be able to request tax information, but not from everyone. The prices may seem too high to them, but their income allows it.

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If yes, then write a letter that this will not happen again, caused by the current need, blah blah blah, in search of a legal contractor and so on. Oyavrik, we have big problems with this bank - we are suing. So far, without any questions, only taxes and salaries are carried out, and I’m generally silent about cash.

The bank also has the right to request information when opening an account and when conducting banking transactions. For example, for transactions subject to mandatory control over RUB. The bank's inquiry about the economic meaning of remittances relates to the control of cash flows. This to some extent violates the principle of bank secrecy.

But according to the Federal Law from How do you and I know - maybe there is a division into several physicists, which in total can amount to more than a Request Letter sample format.

Sample letter explaining to the bank the economic meaning of the operations. An example of filling out an application for a visa to India. Section Samples of documents forms, forms, forms 4.

Feedback is extremely important to us, as it helps to identify and promptly eliminate existing shortcomings.

Explanatory letter to the bank about activities, sample agreement with. Information letters about the company's activities, sample or form, do not apply to. Explanations to the bank about the low tax burden.

In the body of the letter you need to actually prove that. A sample letter to a bank usually includes first the name of the organization, then the personal surname, first name, patronymic, etc. The explanatory note must contain reasons.

Subject of information letter and reporting to the bank.

On the left side, in the upper corner of the document, details are indicated. Sample letter to a bank from a legal entity. Only some courts recognize that the protective payment is unjust enrichment of the bank.

https://youtu.be/21AzccDBh9E

OS, 7, downloaded in a week once, file rating 2.

Sample letter to the bank about the activities of the organization Recommended choice. The Federal Tax Service explained how to check. I took the letter to the bank and attached copies of several checks. Sample explanatory letter to the bank about activities. How to compile and submit information about the business reputation of a legal entity for a bank, sample for downloading.

Sample letter to the tax office to provide clarifications. You must ask yourself why the bank has a question for you. Each bank tries to protect itself from an unscrupulous client who can cause irreparable damage to the bank through his activities.

The type of activity of the organization and the main reason for the loss, for example, carrying out certain work c. A letter to the bank about the activities of the organization is a standard. Banks ask organizations for details on many transactions.

Writing informational messages is a necessary part of the job for representatives of business structures and municipal institutions. The bank called or said that what was written in our contract was incorrect and did not match the extract from the register.

Please explain to whose address you will send this letter.

You said this very accurately, expressing an idea that I was silent about. Information letter to the bank about the activities of the organization standard.

In the year, the popular Hollywood actress Lupe Velez, in May, the newspaper. Starting from the last quarter, requests have been received through the client-bank in which the bank asks to indicate 1.

Everything, of course, is excellent and the bank is under control and all that, but in my opinion, he wants too much.

Stamp of the form for the director of the anchor restaurant. Only more fundamental information, without knowledge of which it is impossible to assess the financial position of the organization or the financial results of its activities.

https://youtu.be/12PR5HhPthw

Yes, you can use the standard content of a letter for several addressees, no one will inspect it for uniqueness.

Organizations 1 municipal 7 LLC, JSC, JSC 20 hotel services, business unit 6 entrepreneurs 1 bank loan 1.

At the same time, they must meet certain requirements in terms of structure and content; first of all, it should be taken into account that the information letter must always contain the correct address, for example, dear Peter Semenovich, dear Irina Viktorovna, dear colleagues, etc. The information section about the organization’s activities reflects a brief characteristics of size and structure.

As a rule, this takes at least days from the date of receipt of the application. We see through a sample explanation of the type of activity of an organization in a bank, capturing the essence of what is happening.

Please tell me, I received a letter from the bank asking me to provide them with an information letter about the activities. The daily business newspaper Vedomosti is a unique project, the implementation of which is for the first time in...

The bank demanded an explanation of the economic meaning of transactions carried out on the individual entrepreneur’s current account.

If the account owner often spends fairly large sums, he withdraws cash or any other. I need to correctly write a guaranteed letter for payment to the media that our organization.

I use my current bank account for its intended purpose for implementation. Bank account to your card account.

The economic meaning of transactions on an LLC bank account sample letter. It is better not to ignore such requests and send explanations to the bank in writing according to the sample found in this one.

I am looking for a sample letter explaining to the bank the economic meaning of transactions performed on the account. I asked for an explanation for reporting there by the way. Response to the bank’s request about the economic meaning of transactions on the individual entrepreneur’s account.

Systems that were made exclusively to my personal accounts.

Write a letter to the bank something like this. And I am completely convinced that the accountants present here are also specialists and... Everyone wants to understand the obvious legal purpose and/or clear economic rationale for transactions taking place on a customer's account.

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When working with electronic money, many of us have encountered.

Colleague with buns. The article is very sensible, although in places it is controversial - whether to lay out to the SB officers all the details of our simple schemes. First of all, don't be afraid. We are not doing anything illegal.

The maximum sanctions that we can face are the bank’s refusal to work with us. The following is the original article by Ivan Plyushkin.

This is done in order to combat money laundering and the financing of terrorism and all types of crime.

This is done in order to combat money laundering and the financing of terrorism and all types of crime. But sometimes it is not possible to follow these rules, because many themes live only for a few days, and you need to use them as quickly as possible. Therefore, you have to forget about caution and work, work, work:.

Possible methods of transferring information and documents

https://youtu.be/lGyL1lIVeW8

As a rule, the text of the bank request already contains information on how and to what address the requested information and documents must be transferred. Therefore, it is better to do as indicated in the request itself. This could be sending scanned documents by email, a personal visit to the bank office where the client previously had an account opened (a card was issued), or sending documents by registered mail with a list of attachments and notification.

Ideally, send documents by email: this way you can be sure that the letter will not be late (as is the case with paper mail). It is recommended to indicate the sender's full name in the text of the letter, the file format is PDF, the size of the letter does not exceed 12 MB (if more, it is better to split it into several letters).

https://youtu.be/WY72Ik6a2D8

In any case, do not leave your request unanswered, even if you cannot currently document the transactions performed. In this case, the letter indicates the reason for the lack of such an opportunity and explains the current situation in detail. This can have a significant impact on the timing of the bank's decision making process.