Supervisors of Banks Circulars

Date circular number Subject Area Chapter/Directive
27/12 2647 Limitations on Issuing Housing Loans Proper Conduct of Banking Business Regulations 329
30/12 2645 E-Banking Proper Conduct of Banking Business Regulations 367
29/12 2643 Reporting of Technological Failures and Cyber Events (E) Proper Conduct of Banking Business Regulations 366 ,361, 357, 367
15/11 2633 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250 (355)
28/09 2628 Update of Directives Proper Conduct of Banking Business Regulations 203, 313, 315
22/09 2626 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
16/09 2625 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
23/06 2623 Transferring Activity and Closing a Customer’s Account Proper Conduct of Banking Business Regulations 432
23/06 2622 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250 (307, 350, 360)
01/06 2621 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
05/05 2619 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
27/04 2618 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
07/04 2615 Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
01/04 2614 Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
31/03 2612 Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
18/03 2611 Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) Proper Conduct of Banking Business Regulations 250
12/03 2610 Management of Anti-Money Laundering and Countering Financing of Terrorism Risks Proper Conduct of Banking Business Regulations 411
01/03 2607 : Capital Adequacy and Measurement—Introduction, Scope of Application, and Calculation of Capital Requirements and Leverage Ratio Proper Conduct of Banking Business Regulations 201, 218
01/01 2602 Semiannual Report on Exposure to Compliance Risk Reporting to the Supervision Department 825
12/01 2600 Industry Indebtedness Limitation Proper Conduct of Banking Business Regulations 315
29/12 2599 E-Banking Proper Conduct of Banking Business Regulations 367
23/12 2598 Supervision of Branches Abroad and Compliance and the Compliance Function at a Banking Corporation Proper Conduct of Banking Business Regulations 306 308
03/12 2596 Capital Adequacy and Measurement—The Standardized Approach Proper Conduct of Banking Business Regulations 203
29/10 2595 Limitations on indebtedness of a borrower and of a group of borrowers Proper Conduct of Banking Business Regulations 313
29/10 2594 Credit risk management Proper Conduct of Banking Business Regulations 311
20/06 2590 Capital Adequacy and Measurement—Market Risk Proper Conduct of Banking Business Regulations 208
07/05 2589 Control over Issuing of Guarantees by a Banking Corporation Proper Conduct of Banking Business Regulations 353
07/05 2588 E-Banking Proper Conduct of Banking Business Regulations 367
28/02 2586 Share Buyback by Banking Corporations Proper Conduct of Banking Business Regulations 332
23/12 2583 Merchant acquirers and acquiring payment card transactions Proper Conduct of Banking Business Regulations 472
13/11 2581 The Board of Directors Proper Conduct of Banking Business Regulations 301
13/11 2580 Remuneration Policy in a Banking Corporation Proper Conduct of Banking Business Regulations 301A
13/11 2579 Cloud Computing Proper Conduct of Banking Business Regulations 357, 362
13/11 2578 E-Banking Proper Conduct of Banking Business Regulations 367
13/11 2577 Capital adequacy and measurement—the standardized approach—credit risk, limitations on indebtedness of a borrower and group of borrowers Proper Conduct of Banking Business Regulations 313, 203
13/11 2576 Transferring Activity and Closing a Customer’s Account Proper Conduct of Banking Business Regulations 432
13/11 2575 Opening and Managing a Current Account with no Credit Facility Proper Conduct of Banking Business Regulations 422
06/12 2573 Provision of a Professional Human Response Proper Conduct of Banking Business Regulations 426
07/10 2571 Outsourcing Proper Conduct of Banking Business Regulations 359A
03/10 2570 E-Banking Proper Conduct of Banking Business Regulations 367, 462
13/11 2569 Procedures for Extending Housing Loans Proper Conduct of Banking Business Regulations 451
01/08 2567 Limitations on Indebtedness of a Borrower and of a Group of Borrowers Proper Conduct of Banking Business Regulations 313
10/07 2566 Simplification of Customer Agreements Proper Conduct of Banking Business Regulations 449
02/07 2564 The Liquidity Coverage Ratio Proper Conduct of Banking Business Regulations 221
02/07 2563 Capital Adequacy and Measurement—the Standardized Approach—Credit Risk Proper Conduct of Banking Business Regulations 203
24/04 2561 Supervision of Overseas Branches Proper Conduct of Banking Business Regulations 306, 306A
24/04 2560 Supply Chain Cyber Risk Management Proper Conduct of Banking Business Regulations 363
16/04 2559 Limitations on Issuing Housing Loans Proper Conduct of Banking Business Regulations 329
22/03 2557 E-Banking Proper Conduct of Banking Business Regulations 367
15/03 2556 Capital Adequacy and Measurement—the Standardized Approach—Credit Risk Proper Conduct of Banking Business Regulations 203
26/02 2555 Capital Adequacy and Measurement—Regulatory Capital Proper Conduct of Banking Business Regulations 202
11/01 2552 Payment Cards Proper Conduct of Banking Business Regulations 470
11/01 2550 Sending Notices via Means of Communication Proper Conduct of Banking Business Regulations 420
01/01 2549 Debt Collection Proceedings Proper Conduct of Banking Business Regulations 450
25/12 2547 E-Banking Proper Conduct of Banking Business Regulations 367
17/12 2546 Limitations on provision of housing loans Proper Conduct of Banking Business Regulations 329
22/10 2544 Management of Credit Risk Derived from Trading Activity of Customers in Derivatives and Securities Proper Conduct of Banking Business Regulations 330
21/10 2543 Limitations on Indebtedness of a Borrower and of a Group of Borrowers Proper Conduct of Banking Business Regulations 313
21/10 2542 Credit Risk Management Proper Conduct of Banking Business Regulations 311
21/10 2541 Capital Adequacy and Measurement—the Standardized Approach—Credit Risk Proper Conduct of Banking Business Regulations 203
16/11 2540 Approval in principle and maintaining the interest rate Proper Conduct of Banking Business Regulations 451
24/09 2539 Use of Information According to the Checks Without Cover Law, and Response to Enquiries regarding Special Restriction Proper Conduct of Banking Business Regulations 430
13/09 2538 Mortgage consultants Proper Conduct of Banking Business Regulations 329A
05/07 2536 Cloud Computing Proper Conduct of Banking Business Regulations 362
05/07 2535 Board of Directors Proper Conduct of Banking Business Regulations 301
10/07 2534 Industry indebtedness limitation Proper Conduct of Banking Business Regulations 314, 315
10/07 2533 Credit Risk Management Proper Conduct of Banking Business Regulations 311
09/04 2532 Business continuity management Proper Conduct of Banking Business Regulations 355
06/03 2531 Management of Anti-money Laundering and Countering Financing of Terrorism Risks Anti Money Laundering & Terror Funding Prohibition 411
06/03 2530 Opening Days of Banking Corporations’ Offices Proper Conduct of Banking Business Regulations 401
06/03 2529 E-Banking Proper Conduct of Banking Business Regulations 367
01/02 2527 Debt Collection Proceedings Proper Conduct of Banking Business Regulations 450
09/01 2522 Closure of Bank Branches and Downsizing of Teller Services (400) Proper Conduct of Banking Business Regulations 400
23/11 2519 Prevention of Money Laundering and Terrorism Financing, and Customer Identification Proper Conduct of Banking Business Regulations 411
29/10 2518 Limitations on the issuing of housing loans Proper Conduct of Banking Business Regulations 329
28/09 2517 Fraud and embezzlement of employees and officeholders Proper Conduct of Banking Business Regulations 351
25/09 2516 Banking Corporation Business with Related Parties Proper Conduct of Banking Business Regulations 312
28/09 2514 Remuneration policy in a banking corporation Proper Conduct of Banking Business Regulations 301A
12/10 2512 Conducting audit and review in accordance with certain standards set in the US Proper Conduct of Banking Business Regulations 304A
12/09 2510 Locating Dormant Deposits and Deceased Persons’ Accounts Project Proper Conduct of Banking Business Regulations 436
25/07 2508 Sending notices via means of communication (420) Proper Conduct of Banking Business Regulations 420
21/07 2507 E-Banking Proper Conduct of Banking Business Regulations 367
29/10 2505 Prevention of Money Laundering and Terrorism Financing, and Customer Identification Proper Conduct of Banking Business Regulations 411
11/07 2504 Early repayment of non-housing loans (454) Proper Conduct of Banking Business Regulations 454
11/07 2503 Non-banking benefits to customers (403) Proper Conduct of Banking Business Regulations 403
01/05 2499 Limitations on issuing of housing loans Proper Conduct of Banking Business Regulations 329
01/02 2491 Transferring Activity and Closing a Customer’s Account Proper Conduct of Banking Business Regulations 432
21/10 2485 Capital requirements for exposures to central counterparties Proper Conduct of Banking Business Regulations 203
13/08 2484 Remuneration Policy in a Banking Corporation Proper Conduct of Banking Business Regulations 301A
29/06 2476 Issue: 1. Board of Directors 2. Internal Audit Function Proper Conduct of Banking Business Regulations 301, 307
30/06 2474 The Tracks Service Proper Conduct of Banking Business Regulations 423
09/06 2467 Prevention of Money Laundering and Terrorism Financing, and Customer Proper Conduct of Banking Business Regulations 411
09/06 2466 Limitation on the Indebtendness of a Borrower and of a group of Borrowers Proper Conduct of Banking Business Regulations 313
28/04 2461 Directives Regarding Credit Risk Proper Conduct of Banking Business Regulations 311,323, 327
03/06 2459 Compliance and the Compliance Function at a Banking Corporation Proper Conduct of Banking Business Regulations 308
16/03 2457 Cyber Defense Management Proper Conduct of Banking Business Regulations 361
25/01 2455 Limitations On Issuing Housing Loans Proper Conduct of Banking Business Regulations 329
19/01 2454 Reporting to banking Supervision Reporting to the Public Directives
19/01 2453 Group allowance in respect of credit to individuals Reporting to the Public Directives
15/01 2451 Regulatory Capital—Transitional Provisions Proper Conduct of Banking Business Regulations 299
06/01 2450 Telephone instructions Proper Conduct of Banking Business Regulations 435
06/01 2449 Types of accounts and conditions under which the customer’s signature on an Proper Conduct of Banking Business Regulations
21/12 2443 Transfer of activity and closing account of a customer Proper Conduct of Banking Business Regulations 432
23/11 2441 Credit risk management Proper Conduct of Banking Business Regulations 311, 319
23/11 2440 Annual Reports to Customers of the Banking Corporations Proper Conduct of Banking Business Regulations 425
29/09 2434 Handling public complaints Proper Conduct of Banking Business Regulations 308A
28/09 2432 Liquidity Risk Management Proper Conduct of Banking Business Regulations 342
28/09 2431 Liquidity coverage ratio Proper Conduct of Banking Business Regulations 221
28/09 2430 Limitations On Issuing Housing Loans Proper Conduct of Banking Business Regulations 329
01/09 2428 Debits by Authorization Proper Conduct of Banking Business Regulations 439
15/07 2427 Opening of Bank Accounts via the Internet Proper Conduct of Banking Business Regulations 418
15/07 2426 Limitations in issuing housing loans Proper Conduct of Banking Business Regulations 329
10/07 2425 A banking corporation’s business with related parties Proper Conduct of Banking Business Regulations 312
09/07 2424 Non-banking benefits to customers Proper Conduct of Banking Business Regulations 403, 470
26/05 2423 Opening and managing a current account Proper Conduct of Banking Business Regulations
26/05 2422 Business continuity management Proper Conduct of Banking Business Regulations 355
09/04 2420 Report on the Distribution of Total Credit Risk by Industry (Quarterly) Reporting to the Supervision Department 831
09/04 2419 Credit Risk by Industry Reporting to the Public Directives 640, 680
09/04 2418 Reports of the Accountant Auditor Reporting to the Public Directives 655, 691F
30/04 2417 Third Party Guarantees Toward a Banking Corporation Proper Conduct of Banking Business Regulations 453
09/04 2416 Adoption of the Accounting Rule Regarding Employee Rights in the United States Reporting to the Public Directives
03/04 2415 Disclosure of the Cost of Services in Securities Proper Conduct of Banking Business Regulations 414
09/03 2414 Report on Foreign Representative Offices Reporting to the Supervision Department 865
23/02 2413 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 821, 806
23/02 2412 Report on Information on the Chairman of the Board of Directors, Senior Staff and the Accountant Reporting to the Supervision Department 807
21/01 2411 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 827
28/01 2410 Conducting an Audit and Review in Accordance with Certain Standards Set in the United States Proper Conduct of Banking Business Regulations 304A
10/02 2409 Update of Disclosure of Credit Quality of Debts and Credit Loss Provision in Credit Cards Companies Reporting to the Public Directives 630, 674, 691B , 691F , 691G
02/02 2408 Transition Directive for 2013 Reporting to the Public Directives 661, 664, 669, 674, 694A
08/01 2407 Report on Credit Cards Reporting to the Supervision Department 869
05/01 2406 Fees for Banking Services Reporting to the Supervision Department 828
25/12 2405 Board of Directors Proper Conduct of Banking Business Regulations 301
26/11 2404 Temporary Order – Implementation of Disclosure Requirements According to Layer 3 of Basel – Disclosure Regarding Compensation Reporting to the Public Directives 630, 694A
19/11 2403 Compensation Policy at Banking Corporations Proper Conduct of Banking Business Regulations 301A
13/11 2402 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 838
17/10 2401 Update to Transitional Directives Regarding the Measurement of Interest Income Reporting to the Public Directives 672
29/09 2400 Reporting on Amounts Reclassified Outside of Accumulated Other Comprehensive Profit Reporting to the Public Directives 669, 680
29/09 2399 Assets and Liabilities According to Indexing Base and According to Time-to-Maturity Reporting to the Public Directives 663, 669
11/09 2398 Reductions or Additions to Interest Rates Proper Conduct of Banking Business Regulations 421, 451, 470
28/09 2397 Bringing Forward the Dates for Publishing Reports to the Public Reporting to the Public Directives 610, 680
26/01 2396 Form of General Conditions for Managing Accounts Proper Conduct of Banking Business Regulations
05/08 2395 Providing Information Through Electronic Means Proper Conduct of Banking Business Regulations 420, 470
01/05 2394 Interest rate reduction or increase Proper Conduct of Banking Business Regulations 421
30/07 2393 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 889
05/08 2392 Control or Substantial Non-Controlling Interest in Non-Bank Financial Corporations Proper Conduct of Banking Business Regulations 306
05/08 2391 Collateral Database Proper Conduct of Banking Business Regulations 318
29/08 2390 Basel’s Disclosure Requirements Concerning Composition of Capital Reporting to the Public Directives 611, 674, 691A, 691F, 694A
21/07 2389 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 809, 810D, 810A, 830, 832, 876
20/06 2388 Integrating Supervisor of Banks Letters Into Reporting to the Public Directives Reporting to the Public Directives 630, 640, 655, 663, 668
30/05 2387 Measurement and Capital Adequacy – Introduction, Applicability and Calculation of Requirements Proper Conduct of Banking Business Regulations 201
30/05 2386 Capital adequacy and measurement—regulatory capital Proper Conduct of Banking Business Regulations 202
30/05 2385 Additional Doubtful Debt Provision Proper Conduct of Banking Business Regulations 315
30/05 2384 Debt Limitations on Borrowers and Groups of Borrowers Proper Conduct of Banking Business Regulations 313
30/05 2383 Basel III – Proper Valuation of Capital Adequacy Proper Conduct of Banking Business Regulations 211
30/05 2382 Market Risk Proper Conduct of Banking Business Regulations 208
30/05 2381 Securitization Proper Conduct of Banking Business Regulations 205
30/05 2380 The Internal Ratings-Based Approach to Credit Risk Proper Conduct of Banking Business Regulations 204
30/05 2379 The Standard Approach – Risk Management Proper Conduct of Banking Business Regulations 203
30/05 2378 Market Risk Management Proper Conduct of Banking Business Regulations 339
30/05 2377 Interest Rate Risk Management Proper Conduct of Banking Business Regulations 333
06/05 2376 Arrears and Warning Before Initiating Proceedings Proper Conduct of Banking Business Regulations 451
30/04 2375 Proper Evaluation of Credit Risks and Proper Measurement of Debts Proper Conduct of Banking Business Regulations 314
21/04 2374 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 809,810A, 810D, 810E, 838
20/03 2373 Accumulated Profit and Loss – Quarterly Reporting to the Supervision Department 832
24/04 2372 Disclosure of Credit Risk in the Quarterly Report Reporting to the Public Directives 640, 661, 669, 680
26/02 2371 Profit and Loss Reporting to the Supervision Department 855
17/02 2370 Conducting an Audit and Survey in Accordance with Certain Standards Set Out in the US Proper Conduct of Banking Business Regulations 304A
12/02 2369 Reporting to the Banking Supervision Department Directives Reporting to the Supervision Department 809, 821, 888E
06/02 2368 Transitional Directive for 2012 Reporting to the Public Directives 672
27/01 2367 Total Credit Risk Distribution Report by Principle Industries (quarterly) Reporting to the Supervision Department 831
27/01 2366 Data for Calculating Effective Cost in the Unindexed Shekel Segment (monthly) Reporting to the Supervision Department 822
13/01 2365 Disclosure of Deposits Reporting to the Public Directives
16/01 2364 Liquidity Risk Reporting Proper Conduct of Banking Business Regulations 827, 896
16/01 2363 Liquidity Risk Management Proper Conduct of Banking Business Regulations
15/01 2362 Distribution of Dividends by Banking Corporations Proper Conduct of Banking Business Regulations 331
01/01 2361 Update to the Format of Publishing the Interest Rate Offered on Housing Loans in the Unindexed Shekel Segment
02/01 2360 Exposure to Foreign Countries Reporting to the Supervision Department 834