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.

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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 03/2020
2 Constituents of Capital 202 02/2018
3 The Standardised Approach - Credit Risk 203 09/2020
4 The Internal Ratings-Based (IRB) Approach to Credit Risk 204 09/2015
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 03/2020
8.3 Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 250 11/2020
Management and control
1 Board of directors 301 01/2022
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 09/2021
9 Controls and Procedures relating to Disclosure and Internal Control over Financial Reporting 309 09/2008
7.5 Internal Audit Function 307 09/2021
9.5 Risk Management 310 09/2021
4 The External Auditor Performing Audits and Reviews in Accordance with Certain US Standards 304a 09/2016
1.05 Compensation policy at Banking Corporation 301A 12/2021
8.1 Handling of Public Complaints 308A 09/2021
6.1 Supervision of Overseas Branches 306 09/2021
6.2 Control or Substantial Noncontrolling Interest in Nonbank Financial Corporations 306A 09/2021
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 09/2021
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 12/2020
15 Project Finance 326 07/2012
16 Limitations on Issuing Housing Loans 329 12/2020
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
1.1 Consumer Credit Management 311A 09/2021
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 Pledging Assets of a Banking Corporation 336 06/2021
5 Activity on the future contracts and options (MAOF) market 337 10/2010
6 Market risk management 339 09/2021
7 Liquidity risk management 342 09/2014
2.05 Management of Interest Rate Risk 333 09/2021
Risk Management
2 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 09/2021
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
1 Operational Risk Management 350 09/2021
9 Business continuity management 355 09/2021
19.1 Cyber Defense Management 361 09/2021
19.2 Cloud Computing 362 09/2021
12 INFORMATION TECHNOLOGY MANAGEMENT 357 12/2020
19.3 Supply Chain Cyber Risk Management 363 09/2021
17.1 Outsourcing 359A 06/2021
19.4 E-Banking 367 09/2021
19.35 Reporting of Technological Failures and Cyber Events 366 11/2021
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 12/2020
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 10/2021
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
20.9 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 12/2020
Customers Accounts
1 Checkbooks 431 09/2012
2 Transferring Activity and Closing a Customer’s Account 432 12/2020
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 12/2020
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