• Home Page
  • Economic Roles
  • Supervision and Regulation
  • Proper Conduct of Banking Business Directives

Proper Conduct of Banking Business Directives

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

Filter

Title Publication date Number Circular number Additional information
Constituents of Capital 04/02/2021 202 2650
The Standardised Approach - Credit Risk 15/08/2022 203 2722
The Internal Ratings-Based (IRB) Approach to Credit Risk 22/03/2012 204 2485
Securitization 22/03/2012 205 2381
Operational Risk 22/03/2012 206
Market Risk 22/03/2012 208 2590
Capital Adequacy Assessment 22/03/2012 211 2383
Board of directors 22/03/2012 301
The external auditor of a banking corporation 22/03/2012 302
Communication of External Auditor with Those Charged with Governance in the Banking Corporation 01/10/2010 303
THE AUDITOR AND THE INFORMATION ACCOMPANYING FINANCIAL STATEMENTS 26/06/2024 304
The External Auditor Performing Audits and Reviews in Accordance with Certain US Standards 09/04/2024 304A 2512
Chief accountant 22/03/2012 305
Internal Audit Function 27/06/2012 307
Compliance and the Compliance function in a banking corporation 22/03/2012 308
Controls and Procedures relating to Disclosure and Internal Control over Financial Reporting 22/03/2012 309
Credit Risk Management 07/11/2023 311 2762
A banking corporation's business with related parties 31/01/2022 312 2688
Limitations on the indebtedness of a borrowers and a group of borrowers 01/01/2025 313 2807
Sound Credit risk Assessment and valuation for loans 04/02/2021 314 2650
Industry indebtedness limitation 29/10/2024 315 2803
Collateral database 22/03/2012 318 2391
Guaranteeing a yield on investments 22/03/2012 320
Underwriting issues of securities 22/03/2012 321
Capital market activity of the banking system 22/03/2012 322
Limitations On Financing Capital Transactions 22/03/2012 323 2461
Management of Credit Facilities in Current Accounts 22/03/2012 325 2636
Project Finance 22/03/2012 326
Distribution of dividends by banking corporations 22/03/2012 331 2362
Share Buyback by Banking Corporations 22/03/2012 332
Activity on the future contracts and options (MAOF) market 22/03/2012 337
Market risk management 22/03/2012 339
Liquidity risk management 22/03/2012 342 2432
Fraud and embezzlement by employees 18/09/2024 351 2793
Banker's insurance 22/03/2012 352
Control over issuing of guarantees by a banking corporation 22/03/2012 353
Business continuity management 06/02/2013 355
Removal of documents from the offices of banking corporations 22/03/2012 356
INFORMATION TECHNOLOGY MANAGEMENT 28/01/2018 357 2643
Rotation and uninterrupted vacation 22/03/2012 360
Opening days of banking corporations' offices 26/03/2023 401 2744
Business day in banking corporations 22/03/2012 402
Non-banking benefits to customers 22/03/2012 403 2503
Benefits to customers' employees 22/03/2012 404
Police investigations 22/03/2012 405
Banking services for new immigrants 22/03/2012 406
Investment on a customer's account without his explicit agreement 22/03/2012 407
Interest-bearing bank checks 22/03/2012 408
Charging customers for legal fees 22/03/2012 409
Solicitation of contributions from customers by employees of a banking corporation 22/03/2012 410
Losing contact with renters of safe-deposit boxes 22/03/2012 413
Disclosure of costs of securities services 29/07/2024 414 2790
Procedures regarding fees 22/03/2012 415
Minors' accounts 22/03/2012 416
Activity of a banking corporation in a closed system 22/03/2012 417
Retention of documents 22/03/2012 419
Checkbooks 22/03/2012 431
Transferring Activity and Closing a Customer’s Account 22/03/2012 432
An erroneous entry in a customer's account 22/03/2012 433
Joint accounts—“Survivorship” Clause and Handling Existing Charges after a Death 11/06/2023 434 2746
Deduction of income tax and commissions in foreign currency 22/03/2012 437
Offsetting against savings schemes 22/03/2012 438
Debits by authorization 27/12/2021 439 2690
Interest calculation on an on-call (SRO) deposit 22/03/2012 440
Retrieval of data by customers 22/03/2012 441
Cash Withdrawals from ATMs 22/03/2012 442
Procedures for extending housing loans 19/07/2023 451 2755
Loan management procedures 22/03/2012 452
Third-party guarantees in favor of a banking corporation 22/03/2012 453 2417
Early repayment fee on a non-housing loan 22/03/2012 454 2504
Credit extension for the purchase of financial assets 22/03/2012 455
Customers' investments in financial assets via portfolio managers 22/03/2012 462 2570
Correction and cancellation of entries by credit card companies 22/03/2012 471
Operational Risk Management 29/05/2012 350
Treatment for Illiquid Positions 07/10/2015 209
Debit Cards 22/03/2012 470
Introduction, Scope of Application and Calculation of Requirements 22/03/2012 201 2607
Risk Management 26/02/2023 310 2741
Management of Interest Rate Risk 15/05/2014 333
Regulatory Capital Transitional Arrangements 01/05/2014 299 2635
Interest rate reduction or increase 03/12/2013 421 2394
Compensation policy at Banking Corporation 14/05/2014 301A
Opening and managing a current account with no credit facility 29/03/2023 422 2745
Limitations on Issuing Housing Loans 27/12/2021 329 2690
Handling of Public Complaints 07/10/2015 308A
Liquidity Coverage Ratio 16/06/2015 221
Annual Reports to Customers of the Banking Corporations 29/07/2024 425 2789
Cyber Defense Management 22/06/2015 361
Leveraged Lending Management 12/01/2016 327 2461
Leverage ratio 20/12/2023 218 2765
The Tracks Service 30/06/2015 423 2474
Merchant acquirers and acquiring payment card transactions 19/02/2019 472
E-Banking 03/03/2020 367
Locating Dormant Deposits and Deceased Persons’ Accounts Project 15/04/2018 436
Closure of Bank Branches and Downsizing of Teller Services 16/11/2017 400 2522
Debt Collection Proceedings 11/10/2018 450
Cloud Computing 13/06/2022 362 2715
Mortgage Consultants 31/01/2019 329A
Use of Information According to the Checks Without Cover Law, and Response to Enquiries regarding Special Restriction 14/02/2018 430 2539
Management of Credit Risk Derived from Trading Activity of Customers in Derivatives and Securities 23/08/2018 330 2544
Supply Chain Cyber Risk Management 09/10/2018 363
Supervision of Overseas Branches 17/06/2018 306
Control or Substantial Noncontrolling Interest in Nonbank Financial Corporations 17/06/2018 306A
Simplification of Customer Agreements 13/06/2022 449 2716
Outsourcing 02/04/2019 359A
Provision of a professional human telephone response 29/03/2023 426 2744
Switching Banks Online 30/09/2021 448
Adjustments to Proper Conduct of Banking Business Directives that Apply to a New Banking Corporation 07/11/2022 480 2715
Dormant Deposits and Deceased Persons’ Accounts 17/08/2022 443
Consumer Credit Management 29/12/2021 311A
Sending Notices via Means of Communication 13/06/2022 420 2713
Net Stable Funding Ratio 02/11/2022 222
Transitioning from the LIBOR Rate 30/09/2021 250A 2673
Pledging Assets of a Banking Corporation 22/03/2012 336 2661
Sale of housing loans and collaborations in extending housing loans 06/10/2022 329B 2724
Reporting of Technological Failures and Cyber Incidents (24/11/2021) 24/11/2021
Management of Customer Service and Support Array 29/03/2023 501 2744
Principles for the effective management of climate-related financial risks 12/06/2023 345
Management of Anti-Money Laundering and Countering Financing of Terrorism Risks 30/12/2024 411 2804
Distribution of Credit Cards of Issuers Bound to a Banking Corporation by a Distribution Agreement 29/06/2023 473 2752
A Banking Corporation’s Activities as a Broker-Dealer 09/04/2024 461 2776
Regulatory Capital—Transitional Provisions 01/12/2020 299 2635
Retrieval of data by customers 01/11/2002 441
Management of Workout and Collection Processes Involving Substantial Troubled Credits 21/09/2021 314A 2674
Interest rate risk in the banking book (1/7/2025) 20/12/2023 333 2766
Adjustments to Proper Conduct of Banking Business Directives in order to deal with the Swords of Iron War (Temporary Directive) 30/12/2024 251 2806
Capital Adequacy and Measurement—Operational Risk 19/06/2024 206 2785
Presentation of Activity Data in Securities Deposit 17/02/2025 460 2717
This page was last updated on: 25/08/2025