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Supervision

Banking Regulations

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Welcoming Statement

	QCB's Supervision Policy
	Banks
	Investment Companies
	Finance Companies
	Exchange Houses
	Central Reporting System
	Department of Banking Supervision

Banking Supervision Instructions

Definitions

Chapter One: Banking Risk

Chapter Two: Banks Managerial Risk

Chapter Three: Relation with Customers

Chapter Four: Dormant Deposits and Unclaimed Funds

Chapter Five: The External Auditor

Chapter Six: Banks Relation with Qatar Central Bank

Chapter Seven: Financial Data and Closing Accounts

Chapter Eight: Other Banking Issues

Other Instructions

First: Banks Mail with Qatar Central Bank

Second: The Banking Relations Unit at Qatar Central Bank

Third: Banking Electronic Regulations

Financial Fines

List of Contents

1.Ratio of Capital and Reserves to Total Net Assets

2.Credit and Financial Risks, and Credit and Concentrations Policies

3.The Ratios of International Financing and Real Estate Investments (Islamic banks)

4.Controls of Financing the Customers' Trading in Securities

5.Instructions Concerning the Members of Board of Directors (Membership of the Board of Directors)

6.Bank's Investments

7.Banking Ratios and Indicators

8.Control of Banks' Transactions in the Intermediary Activities at the Doha Securities Market

9.Procedures for Repurchases Operations (REPOs)

10.Required Reserve Instrument

11.Special Fines for Electronic Clearing

12.Balance of Payments Statistics

13.Banking Risk Centralization

Periodical Data

First: Capital Adequacy Ratio

Second: Credit and Financing Risk

Third: Banks Investment and Credit Concentration for the Banks and Financial Institutions

Fourth: Banking Ratios and Indicators

Fifth: Investment for the Benefit of Customers (Portfolio and Mutual Funds)

Sixth: Banking Risk Centralization

Seventh: Financial Statements, Closing Accounts, and the Calculation & Allocation of Profits Between Depositors & Shareholders in Islamic Banks

Eighth: Other Periodic Data

Tables and Forms and Filling In Instructions

Daily Balance Statement of the Gross And Average Deposits (Cash Reserve)

Classification of Credit Facilities According to Economic Sectors

Standard Suspicious Transactions Report for Money Laundering/Terrorism Financing (Financial Information Unit)

Average Interest Rates

Core and Supplementary Capital Element

Mobilizing Statement for Credit Facilities (Financing) Accounts: Substandard, Doubtful and Bad Accounts Categories, Under Settlements Foreign Investment Operations Accounts (for Islamic Banks)

Notification About Suggested Writing-Off Debt

Major Shareholders in National Banks in which they own 5% or more of Bank's Capital

Periodical Statement of the Credit Concentrations for the Customer & his Credit Group

Periodical Report for the Credit Facilities to a Customer

General Instructions for Filling in the Two Forms Related to Credit Concentrations of Customer and his Credit Group

Total of Overdrafts & Overdrawn Accounts

Details of the Individuals Overdrawn Accounts for Other Purposes

Details of Balances and Movements of Financial Derivatives Held

for Trading or Hedging

Details of Financial Derivatives for Hedging

Table For Violating Liquidity Ratio

Calculation Form: Liquidity Ratio for Commercial Banks Form No.1

Calculation Form: Liquidity Ratio for Commercial Banks Form No. 2

Form for Recording Fines: Violating Liquidity Ratio (Commercial Banks)

Fines Table: Violating Liquidity Ratio (Islamic Banks)

Calculation Form: Liquidity Ratio for Islamic Banks Form No. 1

Calculation Form: Liquidity Ratio for Islamic Banks Form No.2

Form for Recording Fines: Violating Liquidity Ratio (Islamic Banks)

Fines Table: Violating Credit/Financing to Deposits Ratio

Calculation Form: Credit/Financing to Deposits Ratio Form No.1

Form for Recording Fines: Violating Credit/Financing to Deposits Ratio

Fines Table: Violating Overdrafts to Total Credit Facilities Ratio

Calculation Form: Overdrafts to Total Credit Facilities Ratio

Form for Recording Fines: Violating Overdraft to Total Credit Facilities Ratio

Calculation Form: Total International Financing Ratio (Islamic Banks)

Calculation Form: Real Estate Investments (Circulated Investments) and Real Estate & Other Assets for (Renting/Leasing) Ratio and Real Estate for Bank Use Ratio (Islamic Banks)

Form for Recording Fines: Violating Total International Financing Ratio (Islamic Banks)

Form for Recording Fines: Violating of Investment in Real Estate Circulated Investment, Real Estate, Other Assets for (Leasing/ Trading) Ratio (Islamic Banks)

Fines Table: Total International Financing Ratio (Islamic Banks)

Fines Table: Violating Real Estate Investment and Other Assets for (Trading/Leasing) Ratio (Islamic Banks)

Form for Recording Fines: Violating of Assets in Foreign Currency To Liabilities in Foreign Currency Ratio

Calculation Form: Assets in Foreign Currency to Liabilities in Foreign Currency Ratio

Fines Table: Violating Assets in Foreign Currency to Liabilities in Foreign Currency Ratio

Personal Questionnaire of the Nominee of the Board of Directors' Membership

Debt Scheduling for the Member of the Bank's Board Subject to Settlement

Scheduling Debt of a Company Owned by a Member of the Bank's Board of Directors or Co-owned Subject to Settlement

Undertaking & Acknowledgment (Member of the Board of Directors)

Personal Questionnaire for Appointing General Manager and Top Employees

Investment Product Summary

Investment Product Register

Request Form for Hiring Legal Auditor

Technical Instructions for Credit Facilities and Guarantees Files (Credit Facilities Flat File Structure & Guarantees Flat File Structure)

Application Form for Licencing: Banks

Organizational Structure for Banking Supervisory Department

Qatar Central Bank Notification Form for Operrating ATM

Monthly Statement of Assets & Liabilities & Closing Accounts (Islamic Banks)

Instructions of Filling in the Monthly Statement of Assets & Liabilities (Specific for Islamic Banks)

Investments in Negotiable Securities for Trading (Islamic Banks)

Fixed Continuous Investments in Corporate Capital (Islamic Banks)

Investments in Portfolios and Mutual Funds (Islamic Banks)

Investments in Securities and Corporate Capital (Islamic Banks)

International Murabaha In Commodities & Metals (Islamic Banks)

Other International Financing Operations (Islamic Banks)

Investment in Real Estate for Trading Purposes (Islamic Banks)

Investment in Real Estate & Other Long Term Assets for Leasing (Islamic Banks)

Other Investments/Others (Islamic Banks)

Other Assets & Liabilities (Islamic Banks)

Special Investments (Allocated) & their Sources of Financing (On-Balance Sheet Only) (Islamic Banks)

Classification of Financing Accounts According to their Risk and the Possibility of Collecting (Islamic Banks)

Monthly Assets and Liabilities Report

Filing Instructions for the Monthly Statement of Assets & Liabilities

Income and Expenses Statement of Banks

Cash and Precious Metals

Breakdown of Balances Maintained with QCB /Banks/Other Financial Institutions According to Maturity

Breakdown of Securities Portfolio by Maturity

Breakdown of Credit Facilities by Maturity

Breakdown of Credit Facilities by Collaterals

Breakdown of Credit Facilities by Economic Sectors

Credit Classification According to Quality

Breakdown of Direct/Indirect Credit Facilities by Amount, Denominations, and Number of Customers (Non Government)

Long-Term Investment

Net Fixed Assets for Bank Use

Net Fixed Assets for Other Purposes

Breakdown of Other Assets

Breakdown of Balances due to Q.C.B/Banks and Other Financial Institutions

Breakdown of Deposits as per Maturity and According to Sectors

Breakdown of Customer Deposits by Amount, Denominations and Number of Customers (Non Government)

Breakdown of Other Liabilities

Details of Contra Items

Breakdown of Interest Received on Credit Facilities by Economic Sectors Inside Qatar

Financial Investments by the Principal Items (Commercial Banks)

Trading Securities Portfolio

Investment In Stocks by each Investment

The Fixed Participations in the Capital of Companies

Details of Non-Financial Investments

Due from Banks and Local Institutions and Due to Banks and Local Financial Institutions

Details of Other Debt Securities

Details of Other Cash Margins

Details of Other Provisions

Details of Supplementary Capital

Direct Credit Facilities and Customers Deposits by Bank Branches

Direct Credit Facilities Outside Qatar

Details of International Murabaha in Commodities and Metals within item (104/02)

Classification of Credit Accounts by Risk and Collecting Possibility (Commercial Banks)

Semi -Annual Allocation For Depositors

Profit and Loss Account for the Financial Year Ended at 31/12/....

The Depositors Share of Profits at the end of Year

On-Line Check Clearing, Fees, Times, and Working Hours

Registration of Main Data for the Banks Operating in the State of Qatar

Real Estate Financing Percentage

Calculation Form: Real Estate Financing to Equity or to Customer's Total Deposits Ratio

Fines Recording Form: Violating Percentage of Real Estate Financing

Fines Table: Violating Real Estate Financing to Equity Ratio

Exposure of Banks, H.Q./ Branches Abroad

Filling in Instructions: Periodical Statement Application for Banks' and Financial Institutions' Credit Concentrations

Technical Instructions for Abroad Banks' Balances File: Placement of Funds - Balances Flat File Structure

Calculation Form: Capital and Reserves to Total Net Assets Ratio

Violation of Capital and Reserves to Total Net Assets Ratio

Fines Table: Table of Capital & Reserves to Total Net Assets Ratio

Provisions for Substandard, Doubtful and Bad Credit and Financing Accounts that their Balances are less than 150 Thousand QR Per Customer

Provisions for the Credit Accounts, those with a Promise to Pay and those which have 100% Provisions for each Customer

Investment in Portfolios and Funds that Deals with Stocks

Investment in Portfolios and Funds that Deals with Bonds, Stock and Debt Bills

Investment in Portfolios and Funds
Assets and Liabilities Classification by Interest Rate Levels

Violations and Penalties Table

Financial Statements for Islamic Banks (Balance Sheet, Income Statement, and Others) Annex No. 139

Financial Statements for Commercial Banks (Balance Sheet, Income Statement, and Others) Annex No. 140

Forms for Balance of Payments Statistics

Capital Adequacy Ratio (Basel II): (Credit Risk, Market Risk and Operational Risk)

Applied Regulations for the Entry and Upgrading of Data Related to the Provisions Calculated on Due Indebtedness on Irregular Customer Accounts (Substandard/Doubtful/Bad) and Interest in Suspense/Returns Calculated on these Accounts

Request Form for Founding Investment Mutual Fund, and Personal Questionnaire for Hiring Manager of Investment Mutual Fund

Department of Economic Policies

	Licensing Application
	Banking Regulations
	Instructions to banks