This collection constitutes the Regulations of the Supervisor of Banks, which reflect his position with regard to prudential requirements for proper conduct of banking business on various matters.

All files on this page are in PDF format, and require "Adobe Acrobat Reader" for reading and downloading.
For further explanations, see Introduction.
For terms and conditions using the information appearing on these pages. 

Proper Conduct of Banking Business Directives

Table of Contents OPEN ALL
Subject Reg. No. Last Update
Measurement and Capital Adequacy
1 Introduction, Scope of Application and Calculation of Requirements 201 05/2013
2 Constituents of Capital 202 02/2018
3 The Standardised Approach - Credit Risk 203 12/2019
4 The Internal Ratings-Based (IRB) Approach to Credit Risk 204 10/2015
5 Securitization 205 05/2013
6 Operational Risk 206 07/2012
7 Market Risk 208 06/2019
7.2 Capital Adequacy Assessment 211 05/2013
9 Regulatory Capital Transitional Arrangements 299 01/2015
8.1 Liquidity Coverage Ratio 221 07/2018
7.1 Treatment for Illiquid Positions 209 05/2012
7.3 Leverage ratio 218 04/2015
Management and control
1 Board of directors 301 11/2018
2 The external auditor of a banking corporation 302 09/2007
3 Communication of External Auditor with Those Charged with Governance in the Banking Corporation 303 10/2010
6 Chief accountant 305 07/1998
8 Compliance and the Compliance function in a banking corporation 308 12/2019
9 Controls and Procedures relating to Disclosure and Internal Control over Financial Reporting 309 09/2008
7.5 Internal Audit Function 307 06/2015
9.5 Risk Management 310 12/2012
4 The External Auditor Performing Audits and Reviews in Accordance with Certain US Standards 304a 10/2016
1.05 Compensation policy at Banking Corporation 301A 11/2018
8.1 Handling of Public Complaints 308A 09/2014
6.1 Supervision of Overseas Branches 306 02/2020
6.2 Control or Substantial Noncontrolling Interest in Nonbank Financial Corporations 306A 06/2018
Credit and investment
1 Credit Risk Management 311 10/2019
2 A banking corporation's business with related parties 312 09/2016
3 Limitations on the indebtedness of a borrowers and a group of borrowers 313 10/2019
4 Sound Credit risk Assessment and valuation for loans 314 07/2017
5 Industry indebtedness limitation 315 07/2017
8 Collateral database 318 08/2013
10 Guaranteeing a yield on investments 320 12/1995
11 Underwriting issues of securities 321 10/2010
12 Capital market activity of the banking system 322 01/2001
13 Limitations On Financing Capital Transactions 323 04/2015
14 Management of Credit Facilities in Current Accounts 325 11/2014
15 Project Finance 326 07/2012
16 Limitations on Issuing Housing Loans 329 04/2018
15.1 Leveraged Lending Management 327 04/2015
17 Management of Credit Risk Derived from Trading Activity of Customers in Derivatives and Securities 330 10/2017
16.1 Mortgage Consultants 329A 09/2017
Financial Risks
1 Distribution of dividends by banking corporations 331 01/2013
2 Share Buyback by Banking Corporations 332 02/2019
3 Futures transactions 335 12/1995
4 Restrictions on imposing a lien on assets of a banking corporation 336 10/2010
5 Activity on the future contracts and options (MAOF) market 337 10/2010
6 Market risk management 339 05/2013
7 Liquidity risk management 342 09/2014
8 Operational Risk Management 350 12/2012
2.05 Management of Interest Rate Risk 333 05/2013
Management Risks
1 Fraud and embezzlement by employees 351 09/2016
3 Banker's insurance 352 12/1995
5 Control over issuing of guarantees by a banking corporation 353 05/2019
7 Verifying customers' accounts 354 12/1995
11 Removal of documents from the offices of banking corporations 356 12/1995
15 Transaction of business outside the banking corporation offices 358 12/1995
17 Banking corporations' ties with intermediaries 359 05/1997
19 Rotation and uninterrupted vacation 360 01/2004
9 Business continuity management 355 04/2017
19.1 Cyber Defense Management 361 03/2015
19.2 Cloud Computing 362 11/2018
12 INFORMATION TECHNOLOGY MANAGEMENT 357 11/2018
19.3 Supply Chain Cyber Risk Management 363 04/2018
17.1 Outsourcing 359A 10/2018
19.4 E-Banking 367 12/2019
General - Bank-Customer Relationship
1.9 Opening days of banking corporations' offices 401 03/2017
2 Business day in banking corporations 402 12/2011
3 Non-banking benefits to customers 403 07/2016
4 Benefits to customers' employees 404 12/1995
5 Police investigations 405 12/1995
6 Banking services for new immigrants 406 12/1995
7 Investment on a customer's account without his explicit agreement 407 12/1995
8 Interest-bearing bank checks 408 12/1995
9 Charging customers for legal fees 409 12/1995
10 Solicitation of contributions from customers by employees of a banking corporation 410 12/1995
11 Prevention of money laundering and financing of terror, and customer identification 411 03/2017
12 Losing contact with renters of safe-deposit boxes 413 12/1995
13 Procedures regarding fees 415 02/2008
14 Minors' accounts 416 12/2002
15 Activity of a banking corporation in a closed system 417 04/2012
16 Retention of documents 419 01/2006
17 Sending Notices via Means of Communication 420 03/2019
18 Interest rate reduction or increase 421 01/2014
19 Opening and managing a current account with no credit facility 422 11/2018
20 Annual Reports to Customers of the Banking Corporations 425 02/2016
15.1 Opening of Bank Accounts via the Internet 418 07/2014
19.1 The Tracks Service 423 06/2015
1.8 Closure of Bank Branches and Downsizing of Teller Services 400 01/2017
12.5 Disclosure of costs of securities services 414 04/2014
20.1 Use of Information According to the Checks Without Cover Law, and Response to Enquiries regarding Special Restriction 430 09/2017
20.1 Provision of a professional human telephone response 426 06/2019
Customers Accounts
1 Checkbooks 431 09/2012
2 Transferring Activity and Closing a Customer’s Account 432 11/2018
3 An erroneous entry in a customer's account 433 12/1995
4 Joint accounts - "survivors" clause 434 12/1995
5 Telephone instructions 435 01/2015
6 Deduction of income tax and commissions in foreign currency 437 12/1995
7 Offsetting against savings schemes 438 12/1995
8 Debits by authorization 439 09/2014
9 Interest calculation on an on-call (SRO) deposit 440 08/1998
10 Retrieval of data by customers 441 11/2002
11 Cash Withdrawals from ATMs 442 12/2005
5.1 Locating Dormant Deposits and Deceased Persons’ Accounts Project 436 09/2016
Loans
1.2 Procedures for extending housing loans 451 11/2018
2 Loan management procedures 452 12/1995
3 Third-party guarantees in favor of a banking corporation 453 04/2014
4 Early repayment fee on a non-housing loan 454 07/2016
5 Credit extension for the purchase of financial assets 455 12/1995
1.1 Debt Collection Proceedings 450 01/2018
1.05 Simplification of Customer Agreements 449 07/2018
Securities
1 A banking corporation's dealings in securities on its customers' account 461 02/2007
2 Customers' investments in financial assets via portfolio managers 462 10/2018
Credit Cards
1 Debit Cards 470 07/2014
2 Correction and cancellation of entries by credit card companies 471 01/2001
2.1 Merchant acquirers and acquiring payment card transactions 472 12/2018