Circulars

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Title Number Publication date Circular number Area Subject Download file
The Liquidity Coverage Ratio and Net Stable Funding Ratio 30/10/2022 2727
Management of AML/CFT Risks 19/09/2022 2723
Cloud computing 13/06/2022 2715 סיכוני טכנולוגיית המידע
Liquidity coverage ratio and net stable funding ratio 25/05/2022 2710
Management of AML/CFT Risks 09/05/2022 2706
: Adjustments to Proper Conduct of Banking Business Directives that Apply to a New Banking Corporation 15/03/2022 2700
Board of Directors 18/01/2022 2691
Implementation of an Open Banking Standard in Israel 17/01/2022 2692
Limitations on the Indebtedness of a Borrower and of a Group of Borrowers Proper Conduct of Banking Business Directive no. 313) (E) 26/12/2021 2684
Oversight of the work of the external auditor 23/12/2021 2681
Remuneration Policy in a Banking Corporation (E) 12/12/2021 2682
Reporting of Technological Failures and Cyber Incidents (E) 24/11/2021 2680
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks (Proper Conduct of Banking Business Directive no. 411) (E) 24/10/2021 2677
Dormant Deposits and Deceased Persons’ Accounts 30/09/2021 2632
E-Banking 25/07/2021 2667
Net Stable Funding Ratio 21/06/2021 2662
Outsourcing 21/06/2021 2660
Pledging assets of a banking corporation (Proper Conduct of Banking Business Directive no. 336) (E) 15/06/2021 2661
Implementation of an Open Banking Standard in Israel 05/04/2021 2658
Sending Notices via Means of Communication 25/02/2021 2653
Consumer Credit Management 02/02/2021 2652
E-Banking 30/12/2020 2645 סיכוני טכנולוגיית המידע
Management of Credit Facilities in Current Accounts (E) 30/12/2020 2636
Banking Services for New Immigrants (E) 30/12/2020 2637
Provision of a professional human telephone response (E) 30/12/2020 2638
: Transferring Activity and Closing a Customer’s Account (E) 30/12/2020 2639
Debits by Authorization (E) 30/12/2020 2640
Reporting of Technological Failures and Cyber Events (E) 29/12/2020 2643 סיכוני טכנולוגיית המידע
Limitations on Issuing Housing Loans 27/12/2020 2647
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 15/11/2020 2633
Management of AML/CFT Risk 04/10/2020 2629
Update of Directives 28/09/2020 2628
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 22/09/2020 2626
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 16/09/2020 2625
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 23/06/2020 2622
Transferring Activity and Closing a Customer’s Account 23/06/2020 2623
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 01/06/2020 2621
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 05/05/2020 2619
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 27/04/2020 2618
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 07/04/2020 2615
Outsourcing 07/04/2020 2616
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 01/04/2020 2614
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 31/03/2020 2612
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 18/03/2020 2611
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks 12/03/2020 2610
Adjustments to Proper Conduct of Banking Business Directives that Apply to a New Banking Corporation 08/03/2020 2608 בנקים חדשים
: Capital Adequacy and Measurement—Introduction, Scope of Application, and Calculation of Capital Requirements and Leverage Ratio 01/03/2020 2607
Industry Indebtedness Limitation 12/01/2020 2600
Semiannual Report on Exposure to Compliance Risk 01/01/2020 2602
E-Banking 29/12/2019 2599
Supervision of Branches Abroad and Compliance and the Compliance Function at a Banking Corporation 23/12/2019 2598
Provision of a Professional Human Response 06/12/2019 2573
Capital Adequacy and Measurement—The Standardized Approach 03/12/2019 2596
Credit risk management 29/10/2019 2594
Limitations on indebtedness of a borrower and of a group of borrowers 29/10/2019 2595
Capital Adequacy and Measurement—Market Risk 20/06/2019 2590
E-Banking 07/05/2019 2588
Control over Issuing of Guarantees by a Banking Corporation 07/05/2019 2589
Share Buyback by Banking Corporations 28/02/2019 2586
Merchant acquirers and acquiring payment card transactions 23/12/2018 2583
E-Banking 13/11/2018 2578
Remuneration Policy in a Banking Corporation 13/11/2018 2580
The Board of Directors 13/11/2018 2581 מינוי נושאי משרה בבנק
Capital adequacy and measurement—the standardized approach—credit risk, limitations on indebtedness of a borrower and group of borrowers 13/11/2018 2577
Cloud Computing 13/11/2018 2579
Payment Cards 13/11/2018 2572
Transferring Activity and Closing a Customer’s Account 13/11/2018 2576
Opening and Managing a Current Account with no Credit Facility 13/11/2018 2575
Procedures for Extending Housing Loans 13/11/2018 2569
Payment Cards 01/11/2018 2552
Outsourcing 07/10/2018 2571
E-Banking 03/10/2018 2570 ניהול וניהול תיקים
Limitations on Indebtedness of a Borrower and of a Group of Borrowers 01/08/2018 2567
Simplification of Customer Agreements 10/07/2018 2566
Capital Adequacy and Measurement—the Standardized Approach—Credit Risk 02/07/2018 2563
The Liquidity Coverage Ratio 02/07/2018 2564
Payment Cards 02/07/2018 2565
Supply Chain Cyber Risk Management 24/04/2018 2560
Supervision of Overseas Branches 24/04/2018 2561
Limitations on Issuing Housing Loans 16/04/2018 2559
E-Banking 22/03/2018 2557 גילוי ללקוח
Capital Adequacy and Measurement—the Standardized Approach—Credit Risk 15/03/2018 2556
Capital Adequacy and Measurement—Regulatory Capital 26/02/2018 2555
Sending Notices via Means of Communication 11/01/2018 2550
Debt Collection Proceedings 01/01/2018 2549
E-Banking 25/12/2017 2547
Limitations on provision of housing loans 17/12/2017 2546
Approval in principle and maintaining the interest rate 16/11/2017 2540
Management of Credit Risk Derived from Trading Activity of Customers in Derivatives and Securities 22/10/2017 2544
Limitations on Indebtedness of a Borrower and of a Group of Borrowers 21/10/2017 2543
Credit Risk Management 21/10/2017 2542
Capital Adequacy and Measurement—the Standardized Approach—Credit Risk 21/10/2017 2541
Use of Information According to the Checks Without Cover Law, and Response to Enquiries regarding Special Restriction 24/09/2017 2539
Mortgage consultants 13/09/2017 2538
Credit Risk Management 10/07/2017 2533
Industry indebtedness limitation 10/07/2017 2534
Cloud Computing 05/07/2017 2536
Board of Directors 05/07/2017 2535
Business continuity management 09/04/2017 2532
E-Banking 06/03/2017 2529 ניהול וניהול תיקים
Opening Days of Banking Corporations’ Offices 06/03/2017 2530
Management of Anti-money Laundering and Countering Financing of Terrorism Risks 06/03/2017 2531
Debt Collection Proceedings 01/02/2017 2527
Closure of Bank Branches and Downsizing of Teller Services (400) 09/01/2017 2522
Prevention of Money Laundering and Terrorism Financing, and Customer Identification 23/11/2016 2519
Prevention of Money Laundering and Terrorism Financing, and Customer Identification 29/10/2016 2505
Limitations on the issuing of housing loans 29/10/2016 2518
Conducting audit and review in accordance with certain standards set in the US 12/10/2016 2512 רואה החשבון המבקר
Remuneration policy in a banking corporation 28/09/2016 2514
Fraud and embezzlement of employees and officeholders 28/09/2016 2517
Banking Corporation Business with Related Parties 25/09/2016 2516
Locating Dormant Deposits and Deceased Persons’ Accounts Project 12/09/2016 2510
Sending notices via means of communication (420) 25/07/2016 2508
E-Banking 21/07/2016 2507
Non-banking benefits to customers (403) 11/07/2016 2503
Early repayment of non-housing loans (454) 11/07/2016 2504
Limitations on issuing of housing loans 01/05/2016 2499
Transferring Activity and Closing a Customer’s Account 01/02/2016 2491
Capital requirements for exposures to central counterparties 21/10/2015 2485
Remuneration Policy in a Banking Corporation 13/08/2015 2484
The Tracks Service 30/06/2015 2474
Issue: 1. Board of Directors 2. Internal Audit Function 29/06/2015 2476
Payment Cards 29/06/2015 2470
Limitation on the Indebtendness of a Borrower and of a group of Borrowers 09/06/2015 2466
Prevention of Money Laundering and Terrorism Financing, and Customer 09/06/2015 2467
Compliance and the Compliance Function at a Banking Corporation 03/06/2015 2459 ציות ופונקציית הציות בתאגיד בנקאי
Directives Regarding Credit Risk 28/04/2015 2461
Cyber Defense Management 16/03/2015 2457
Limitations On Issuing Housing Loans 25/01/2015 2455
Group allowance in respect of credit to individuals 19/01/2015 2453
Reporting to banking Supervision 19/01/2015 2454
Regulatory Capital—Transitional Provisions 15/01/2015 2451
Types of accounts and conditions under which the customer’s signature on an 06/01/2015 2449 חשבונות בנק
Telephone instructions 06/01/2015 2450
Transfer of activity and closing account of a customer 21/12/2014 2443
Annual Reports to Customers of the Banking Corporations 23/11/2014 2440
Credit risk management 23/11/2014 2441
Handling public complaints 29/09/2014 2434
Limitations On Issuing Housing Loans 28/09/2014 2430
Liquidity coverage ratio 28/09/2014 2431
Liquidity Risk Management 28/09/2014 2432
Debits by Authorization 01/09/2014 2428
Limitations in issuing housing loans 15/07/2014 2426
Opening of Bank Accounts via the Internet 15/07/2014 2427
A banking corporation’s business with related parties 10/07/2014 2425
Non-banking benefits to customers 09/07/2014 2424
Opening and managing a current account 26/05/2014 2423
Business continuity management 26/05/2014 2422
Interest rate reduction or increase 01/05/2014 2394
Third Party Guarantees Toward a Banking Corporation 30/04/2014 2417
Adoption of the Accounting Rule Regarding Employee Rights in the United States 09/04/2014 2416 זכויות עובדים
Reports of the Accountant Auditor 09/04/2014 2418
Credit Risk by Industry 09/04/2014 2419
Report on the Distribution of Total Credit Risk by Industry (Quarterly) 09/04/2014 2420
Disclosure of the Cost of Services in Securities 03/04/2014 2415
Report on Foreign Representative Offices 09/03/2014 2414
Reporting to the Banking Supervision Department Directives 23/02/2014 2413
Report on Information on the Chairman of the Board of Directors, Senior Staff and the Accountant 23/02/2014 2412
Update of Disclosure of Credit Quality of Debts and Credit Loss Provision in Credit Cards Companies 10/02/2014 2409
Transition Directive for 2013 02/02/2014 2408
Conducting an Audit and Review in Accordance with Certain Standards Set in the United States 28/01/2014 2410
Form of General Conditions for Managing Accounts 26/01/2014 2396
Reporting to the Banking Supervision Department Directives 21/01/2014 2411
Report on Credit Cards 08/01/2014 2407
Fees for Banking Services 05/01/2014 2406
Board of Directors 25/12/2013 2405
Temporary Order – Implementation of Disclosure Requirements According to Layer 3 of Basel – Disclosure Regarding Compensation 26/11/2013 2404 זכויות עובדים
Compensation Policy at Banking Corporations 19/11/2013 2403
Reporting to the Banking Supervision Department Directives 13/11/2013 2402
Update to Transitional Directives Regarding the Measurement of Interest Income 17/10/2013 2401
Assets and Liabilities According to Indexing Base and According to Time-to-Maturity 29/09/2013 2399
Reporting on Amounts Reclassified Outside of Accumulated Other Comprehensive Profit 29/09/2013 2400
Bringing Forward the Dates for Publishing Reports to the Public 28/09/2013 2397
Reductions or Additions to Interest Rates 11/09/2013 2398
Basel’s Disclosure Requirements Concerning Composition of Capital 29/08/2013 2390
Collateral Database 05/08/2013 2391
Control or Substantial Non-Controlling Interest in Non-Bank Financial Corporations 05/08/2013 2392
Providing Information Through Electronic Means 05/08/2013 2395
Reporting to the Banking Supervision Department Directives 30/07/2013 2393
Reporting to the Banking Supervision Department Directives 21/07/2013 2389
Integrating Supervisor of Banks Letters Into Reporting to the Public Directives 20/06/2013 2388 שיפור השימושיות של הדוחות הכספיים
Interest Rate Risk Management 30/05/2013 2377
Market Risk Management 30/05/2013 2378
Debt Limitations on Borrowers and Groups of Borrowers 30/05/2013 2384
Additional Doubtful Debt Provision 30/05/2013 2385
The Standard Approach – Risk Management 30/05/2013 2379
The Internal Ratings-Based Approach to Credit Risk 30/05/2013 2380
Securitization 30/05/2013 2381
Market Risk 30/05/2013 2382
Basel III – Proper Valuation of Capital Adequacy 30/05/2013 2383
Capital adequacy and measurement—regulatory capital 30/05/2013 2386
Measurement and Capital Adequacy – Introduction, Applicability and Calculation of Requirements 30/05/2013 2387
Arrears and Warning Before Initiating Proceedings 06/05/2013 2376
Proper Evaluation of Credit Risks and Proper Measurement of Debts 30/04/2013 2375
Disclosure of Credit Risk in the Quarterly Report 24/04/2013 2372
Reporting to the Banking Supervision Department Directives 21/04/2013 2374
Accumulated Profit and Loss – Quarterly 20/03/2013 2373
Profit and Loss 26/02/2013 2371
Conducting an Audit and Survey in Accordance with Certain Standards Set Out in the US 17/02/2013 2370 רואה החשבון המבקר
Reporting to the Banking Supervision Department Directives 12/02/2013 2369
Transitional Directive for 2012 06/02/2013 2368
Data for Calculating Effective Cost in the Unindexed Shekel Segment (monthly) 27/01/2013 2366
Total Credit Risk Distribution Report by Principle Industries (quarterly) 27/01/2013 2367
Liquidity Risk Management 16/01/2013 2363
Liquidity Risk Reporting 16/01/2013 2364
Distribution of Dividends by Banking Corporations 15/01/2013 2362
Disclosure of Deposits 13/01/2013 2365
Exposure to Foreign Countries 02/01/2013 2360
Update to the Format of Publishing the Interest Rate Offered on Housing Loans in the Unindexed Shekel Segment 01/01/2013 2361