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Proper Conduct of Banking Business Directives

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

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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
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 30/07/2023 313 2754
Sound Credit risk Assessment and valuation for loans 04/02/2021 314 2650
Industry indebtedness limitation 27/12/2021 315 2690
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 22/03/2012 351
Banker's insurance 22/03/2012 352
Control over issuing of guarantees by a banking corporation 22/03/2012 353
Verifying customers' accounts 22/03/2012 354
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
Transaction of business outside the banking corporation offices 22/03/2012 358
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 22/03/2012 451
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 2727
Annual Reports to Customers of the Banking Corporations 08/01/2015 425
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 11/10/2018 449
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
Adjustments to Proper Conduct of Banking Business Directives for Dealing with the Coronavirus (Temporary Provision) 07/05/2020 250
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 2727
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 18/06/2024 411 2784
Distribution of Credit Cards of Issuers Bound to a Banking Corporation by a Distribution Agreement 29/06/2023 473 2752
A banking corporation's dealings in securities on its customers' account 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) 31/03/2024 251 2779
Capital Adequacy and Measurement—Operational Risk 19/06/2024 206 2785
This page was last updated on: 06/08/2024