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Circulars

The translation is intended solely for the convenience of the reader. Only the Hebrew text is binding.

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Title Circular number Publication date Additional information
Update to the Format of Publishing the Interest Rate Offered on Housing Loans in the Unindexed Shekel Segment 2361 01/01/2013
Exposure to Foreign Countries 2360 02/01/2013
Disclosure of Deposits 2365 13/01/2013
Liquidity Risk Management 2363 16/01/2013
Liquidity Risk Reporting 2364 16/01/2013
Distribution of Dividends by Banking Corporations 2362 15/01/2013

331
Data for Calculating Effective Cost in the Unindexed Shekel Segment (monthly) 2366 27/01/2013
Total Credit Risk Distribution Report by Principle Industries (quarterly) 2367 27/01/2013
Transitional Directive for 2012 2368 06/02/2013
Reporting to the Banking Supervision Department Directives 2369 12/02/2013
Conducting an Audit and Survey in Accordance with Certain Standards Set Out in the US 2370 17/02/2013
Profit and Loss 2371 26/02/2013
Accumulated Profit and Loss – Quarterly 2373 20/03/2013
Reporting to the Banking Supervision Department Directives 2374 21/04/2013
Disclosure of Credit Risk in the Quarterly Report 2372 24/04/2013
Proper Evaluation of Credit Risks and Proper Measurement of Debts 2375 30/04/2013
Arrears and Warning Before Initiating Proceedings 2376 06/05/2013
Interest Rate Risk Management 2377 30/05/2013
Market Risk Management 2378 30/05/2013
Debt Limitations on Borrowers and Groups of Borrowers 2384 30/05/2013
Additional Doubtful Debt Provision 2385 30/05/2013
The Standard Approach – Risk Management 2379 30/05/2013
The Internal Ratings-Based Approach to Credit Risk 2380 30/05/2013
Securitization 2381 30/05/2013

205
Market Risk 2382 30/05/2013
Basel III – Proper Valuation of Capital Adequacy 2383 30/05/2013

211
Capital adequacy and measurement—regulatory capital 2386 30/05/2013
Measurement and Capital Adequacy – Introduction, Applicability and Calculation of Requirements 2387 30/05/2013
Integrating Supervisor of Banks Letters Into Reporting to the Public Directives 2388 20/06/2013
Reporting to the Banking Supervision Department Directives 2389 21/07/2013
Reporting to the Banking Supervision Department Directives 2393 30/07/2013
Collateral Database 2391 05/08/2013

318
Control or Substantial Non-Controlling Interest in Non-Bank Financial Corporations 2392 05/08/2013
Providing Information Through Electronic Means 2395 05/08/2013
Basel’s Disclosure Requirements Concerning Composition of Capital 2390 29/08/2013
Reductions or Additions to Interest Rates 2398 11/09/2013
Bringing Forward the Dates for Publishing Reports to the Public 2397 28/09/2013
Assets and Liabilities According to Indexing Base and According to Time-to-Maturity 2399 29/09/2013
Reporting on Amounts Reclassified Outside of Accumulated Other Comprehensive Profit 2400 29/09/2013
Update to Transitional Directives Regarding the Measurement of Interest Income 2401 17/10/2013
Reporting to the Banking Supervision Department Directives 2402 13/11/2013
Compensation Policy at Banking Corporations 2403 19/11/2013
Temporary Order – Implementation of Disclosure Requirements According to Layer 3 of Basel – Disclosure Regarding Compensation 2404 26/11/2013
Board of Directors 2405 25/12/2013
Interest rate reduction or increase 2394 01/05/2014

421
Fees for Banking Services 2406 05/01/2014
Report on Credit Cards 2407 08/01/2014
Reporting to the Banking Supervision Department Directives 2411 21/01/2014
Form of General Conditions for Managing Accounts 2396 26/01/2014
Conducting an Audit and Review in Accordance with Certain Standards Set in the United States 2410 28/01/2014
Transition Directive for 2013 2408 02/02/2014
Update of Disclosure of Credit Quality of Debts and Credit Loss Provision in Credit Cards Companies 2409 10/02/2014
Reporting to the Banking Supervision Department Directives 2413 23/02/2014
Report on Information on the Chairman of the Board of Directors, Senior Staff and the Accountant 2412 23/02/2014
Report on Foreign Representative Offices 2414 09/03/2014
Disclosure of the Cost of Services in Securities 2415 03/04/2014

414
Adoption of the Accounting Rule Regarding Employee Rights in the United States 2416 09/04/2014
Reports of the Accountant Auditor 2418 09/04/2014
Credit Risk by Industry 2419 09/04/2014
Report on the Distribution of Total Credit Risk by Industry (Quarterly) 2420 09/04/2014
Third Party Guarantees Toward a Banking Corporation 2417 30/04/2014

453
Opening and managing a current account 2423 26/05/2014
Business continuity management 2422 26/05/2014
Non-banking benefits to customers 2424 09/07/2014
A banking corporation’s business with related parties 2425 10/07/2014
Limitations in issuing housing loans 2426 15/07/2014
Opening of Bank Accounts via the Internet 2427 15/07/2014
Debits by Authorization 2428 01/09/2014
Limitations On Issuing Housing Loans 2430 28/09/2014
Liquidity coverage ratio 2431 28/09/2014
Liquidity Risk Management 2432 28/09/2014

342
Handling public complaints 2434 29/09/2014
Annual Reports to Customers of the Banking Corporations 2440 23/11/2014
Credit risk management 2441 23/11/2014
Transfer of activity and closing account of a customer 2443 21/12/2014
Types of accounts and conditions under which the customer’s signature on an 2449 06/01/2015
Telephone instructions 2450 06/01/2015
Regulatory Capital—Transitional Provisions 2451 15/01/2015
Group allowance in respect of credit to individuals 2453 19/01/2015
Reporting to banking Supervision 2454 19/01/2015
Limitations On Issuing Housing Loans 2455 25/01/2015
Cyber Defense Management 2457 16/03/2015
Directives Regarding Credit Risk 2461 28/04/2015

323
Compliance and the Compliance Function at a Banking Corporation 2459 03/06/2015
Limitation on the Indebtendness of a Borrower and of a group of Borrowers 2466 09/06/2015
Prevention of Money Laundering and Terrorism Financing, and Customer 2467 09/06/2015
The Tracks Service 2474 30/06/2015

423
Issue: 1. Board of Directors 2. Internal Audit Function 2476 29/06/2015
Payment Cards 2470 29/06/2015
Remuneration Policy in a Banking Corporation 2484 13/08/2015
Capital requirements for exposures to central counterparties 2485 21/10/2015

204
Transferring Activity and Closing a Customer’s Account 2491 01/02/2016
Limitations on issuing of housing loans 2499 01/05/2016
Non-banking benefits to customers (403) 2503 11/07/2016

403
Early repayment of non-housing loans (454) 2504 11/07/2016

454
E-Banking 2507 21/07/2016
Sending notices via means of communication (420) 2508 25/07/2016
Locating Dormant Deposits and Deceased Persons’ Accounts Project 2510 12/09/2016
Remuneration policy in a banking corporation 2514 28/09/2016
Banking Corporation Business with Related Parties 2516 25/09/2016
Fraud and embezzlement of employees and officeholders 2517 28/09/2016

351
Prevention of Money Laundering and Terrorism Financing, and Customer Identification 2505 29/10/2016
Limitations on the issuing of housing loans 2518 29/10/2016
Conducting audit and review in accordance with certain standards set in the US 2512 12/10/2016
Prevention of Money Laundering and Terrorism Financing, and Customer Identification 2519 23/11/2016
Closure of Bank Branches and Downsizing of Teller Services (400) 2522 09/01/2017

400
Debt Collection Proceedings 2527 01/02/2017
E-Banking 2529 06/03/2017
Opening Days of Banking Corporations’ Offices 2530 06/03/2017
Management of Anti-money Laundering and Countering Financing of Terrorism Risks 2531 06/03/2017
Business continuity management 2532 09/04/2017
Cloud Computing 2536 05/07/2017
Board of Directors 2535 05/07/2017
Credit Risk Management 2533 10/07/2017
Industry indebtedness limitation 2534 10/07/2017
Mortgage consultants 2538 13/09/2017
Use of Information According to the Checks Without Cover Law, and Response to Enquiries regarding Special Restriction 2539 24/09/2017

430
Management of Credit Risk Derived from Trading Activity of Customers in Derivatives and Securities 2544 22/10/2017

330
Limitations on Indebtedness of a Borrower and of a Group of Borrowers 2543 21/10/2017
Credit Risk Management 2542 21/10/2017
Capital Adequacy and Measurement—the Standardized Approach—Credit Risk 2541 21/10/2017
Approval in principle and maintaining the interest rate 2540 16/11/2017
Limitations on provision of housing loans 2546 17/12/2017
E-Banking 2547 25/12/2017
Debt Collection Proceedings 2549 01/01/2018
Payment Cards 2552 01/11/2018
Sending Notices via Means of Communication 2550 11/01/2018
Capital Adequacy and Measurement—Regulatory Capital 2555 26/02/2018
Capital Adequacy and Measurement—the Standardized Approach—Credit Risk 2556 15/03/2018
E-Banking 2557 22/03/2018
Limitations on Issuing Housing Loans 2559 16/04/2018
Supply Chain Cyber Risk Management 2560 24/04/2018
Supervision of Overseas Branches 2561 24/04/2018
Capital Adequacy and Measurement—the Standardized Approach—Credit Risk 2563 02/07/2018
The Liquidity Coverage Ratio 2564 02/07/2018
Payment Cards 2565 02/07/2018
Simplification of Customer Agreements 2566 10/07/2018
Limitations on Indebtedness of a Borrower and of a Group of Borrowers 2567 01/08/2018
E-Banking 2570 03/10/2018

462
Outsourcing 2571 07/10/2018
E-Banking 2578 13/11/2018
Remuneration Policy in a Banking Corporation 2580 13/11/2018
The Board of Directors 2581 13/11/2018
Capital adequacy and measurement—the standardized approach—credit risk, limitations on indebtedness of a borrower and group of borrowers 2577 13/11/2018
Cloud Computing 2579 13/11/2018
Payment Cards 2572 13/11/2018
Transferring Activity and Closing a Customer’s Account 2576 13/11/2018
Opening and Managing a Current Account with no Credit Facility 2575 13/11/2018
Procedures for Extending Housing Loans 2569 13/11/2018
Merchant acquirers and acquiring payment card transactions 2583 23/12/2018
Share Buyback by Banking Corporations 2586 28/02/2019
E-Banking 2588 07/05/2019
Control over Issuing of Guarantees by a Banking Corporation 2589 07/05/2019
Provision of a Professional Human Response 2573 06/12/2019
Capital Adequacy and Measurement—Market Risk 2590 20/06/2019

208
Credit risk management 2594 29/10/2019
Limitations on indebtedness of a borrower and of a group of borrowers 2595 29/10/2019
Capital Adequacy and Measurement—The Standardized Approach 2596 03/12/2019
Switching Banks Online (16/12/19) 2597 16/12/2019
Supervision of Branches Abroad and Compliance and the Compliance Function at a Banking Corporation 2598 23/12/2019
E-Banking 2599 29/12/2019
Industry Indebtedness Limitation 2600 12/01/2020
Semiannual Report on Exposure to Compliance Risk 2602 01/01/2020
: Capital Adequacy and Measurement—Introduction, Scope of Application, and Calculation of Capital Requirements and Leverage Ratio 2607 01/03/2020

201
Adjustments to Proper Conduct of Banking Business Directives that Apply to a New Banking Corporation 2608 08/03/2020
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks 2610 12/03/2020
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2611 18/03/2020
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2612 31/03/2020
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2614 01/04/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2615 07/04/2020
Outsourcing 2616 07/04/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2618 27/04/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2619 05/05/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2621 01/06/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2622 30/06/2020
Transferring Activity and Closing a Customer’s Account 2623 23/06/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2625 16/09/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2626 22/09/2020
Update of Directives 2628 28/09/2020
Debt collection proceedings 2627 13/08/2023
Management of AML/CFT Risk 2629 04/10/2020
Dormant Deposits and Deceased Persons’ Accounts 2632 30/09/2021
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 2633 15/11/2020
Limitations on Issuing Housing Loans 2647 27/12/2020
Reporting of Technological Failures and Cyber Events (E) 2643 29/12/2020

357
E-Banking 2645 30/12/2020
Management of Credit Facilities in Current Accounts (E) 2636 30/12/2020

325
Banking Services for New Immigrants (E) 2637 30/12/2020
Provision of a professional human telephone response (E) 2638 30/12/2020
: Transferring Activity and Closing a Customer’s Account (E) 2639 30/12/2020
Debits by Authorization (E) 2640 30/12/2020
Additional Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2648 10/01/2021
Industry Indebtedness Limitation 2649 10/01/2021
Consumer Credit Management 2652 02/02/2021
Expected Credit Losses from Financial Instruments (Proper Conduct of Banking Business Directives 202, 203, 314, 329) 2650 02/02/2021

202
Sending Notices via Means of Communication 2653 25/02/2021
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2657 22/03/2021
Implementation of an Open Banking Standard in Israel 2658 05/04/2021
Sending Notices via Means of Communications (Proper Conduct of Banking Business No. 420) 2659 06/06/2021
Pledging assets of a banking corporation (Proper Conduct of Banking Business Directive no. 336) (E) 2661 15/06/2021

336
Net Stable Funding Ratio 2662 21/06/2021
Outsourcing 2660 21/06/2021
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2665 20/07/2021
E-Banking 2667 25/07/2021
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2666 26/07/2021
Switching Banks Online (17/08/21) 2670 17/08/2021
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2675 30/09/2021
Transitioning from the LIBOR Rate 2673 03/10/2021

250A
Credit Risk Management 2672 30/09/2021
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks (Proper Conduct of Banking Business Directive no. 411) (E) 2677 24/10/2021
Reporting of Technological Failures and Cyber Incidents (E) 2680 24/11/2021
Remuneration Policy in a Banking Corporation (E) 2682 12/12/2021
Oversight of the work of the external auditor 2681 23/12/2021
Update of directives (Proper Conduct of Banking Business Directives no. 203, 208A) 2683 26/12/2021
Limitations on the Indebtedness of a Borrower and of a Group of Borrowers Proper Conduct of Banking Business Directive no. 313) (E) 2684 26/12/2021
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2690 27/12/2021

315
Board of Directors 2691 18/01/2022
Implementation of an Open Banking Standard in Israel 2692 17/01/2022
: Adjustments to Proper Conduct of Banking Business Directives that Apply to a New Banking Corporation 2700 15/03/2022
Update of Directives (Proper Conduct of Banking Business Directives no. 203, 218, and 313) 2701 08/02/2024
Management of AML/CFT Risks 2706 09/05/2022
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision) 2708 15/05/2022

250
Update of Proper Conduct of Banking Business Directive 203 2709 08/02/2024
Liquidity coverage ratio and net stable funding ratio 2710 25/05/2022
Cloud computing 2715 13/06/2022

362
Sending Notices via Means of Communications (Proper Conduct of Banking Business No. 420) 2713 13/06/2022

420
Wage payments to Palestinian workers via bank transfers(30/06/2022) 2712 30/06/2022
Proper Conduct of Banking Business Directive 203 2722 15/08/2022

203
Management of AML/CFT Risks 2723 19/09/2022
Sale of housing loans and collaborations in extending housing loans 2724 06/10/2022

329B
Credit Risk Management 2728 31/10/2022
The Liquidity Coverage Ratio and Net Stable Funding Ratio 2727 30/10/2022

221
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks (01/12/2022) 2729 01/12/2022
Risk Management (26/02/2023) 2741 26/02/2023

310
Management of Customer Service and Support Array 2744 29/03/2023

401
Opening a current account with no credit facility and managing an account 2745 29/03/2023

422
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks (11/06/2023) 2748 11/06/2023
Joint accounts—Survivorship Clause and Handling Existing Charges after a Death 2746 11/06/2023

434
Distribution of Credit Cards of Issuers Bound to a Banking Corporation by a Distribution Agreement 2752 29/06/2023

473
A Banking Corporation’s Activities as a Broker-Dealer 2751 19/07/2023
Proper Conduct of Banking Business Directive no. 313 “Limitations on the indebtedness of a borrower and of a group of borrowers” 2754 08/02/2024

313
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the Swords of Iron War (Temporary Directive) 2760 29/10/2023
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the “Swords of Iron” War (Temporary Directive) 2761 31/10/2023
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the “Swords of Iron” War (Temporary Directive) 2763 21/11/2023
Regulatory Capital—The Impact of Implementing Accounting Rules Regarding Expected Credit Losses 2635 01/12/2020

299
Interest Rate Risk in the Banking Book 2766 20/12/2023

333
Leverage Ratio 2765 20/12/2023

218
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the “Swords of Iron” War (Temporary Directive) 2771 31/12/2023
Management of Workout and Collection Processes Involving Substantial Troubled Credits 2674 30/09/2021

314A
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks 2770 31/12/2023

411
Credit Risk Management 2762 07/11/2023

311
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the “Swords of Iron” War (Temporary Directive) 2774 04/02/2024
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus Crisis (Temporary Provision): Cancellation of Directive 2775 04/02/2024
A Banking Corporation’s Activities as a Broker-Dealer 2776 09/04/2024

461
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the “Swords of Iron” War (Temporary Directive) 2779 31/03/2024

251