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Instructions to Banks 

 

Instructions to Banks - March 2009

 

Qatar Central Bank (QCB) is pleased to issue "Instructions to Banks - March 2009", Eleventh Edition, for purpose of facilitating the banking sector to be aware of all the effective prudential regulations, their amendments and explanations. The following instructions are an integrated part of the previous edition (Tenth Edition) including the amendments, additions and deletions in pursuance with articles of the QCB law no. (33) of the year 2006, in addition to all the circulars issued and effective up to March 2009.

These instructions are classified into thirteen parts. The first six parts deal with Monetary Policy, Payment Systems, Public Debt, Banking Affairs and Issuance, Government Bodies and Banking Systems.

Part Seven deals with Supervision and Control which includes ten chapters that cover the administrative and banking risks, relationship with customers, Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT), financial statements, etc.. The last six parts deal with various topics including Correspondences with QCB, Instructions of Financial Information Unit (FIU), the Financial Fines and Penalties, and Instructions of Financial Stability and Statistics Department.

QCB has recently established new departments which include the Financial Stability and Statistics Department, Qatar Credit Bureau, and Payment and Settlement Systems Department as shown in the Organizational Structure.

In addition, there are other recently issued instructions for statistical requirements. These instructions are not included in the instructions book as they are provisionally implemented.

QCB issues the instructions book on an annual basis with all the amendments made up to issuance date. These instructions are available on QCB’s website: www.qcb.gov.qa.

These instructions contain the implementation dates of some items in months and years and not in days.

QCB would like to take this opportunity to express thanks and gratitude to His Highness the Emir of the State of Qatar Sheikh Hamad Bin Khalifa Al-Thani, His Highness Heir Apparent Sheikh Tamim Bin Hamad Al-Thani, and His Highness the Prime Minister Sheikh Hamad Bin Jassem Al-Thani, for their sustainable support to QCB.

 

Abdullah Bin Saud Al-Thani

The Governor

Index 

Part One :Exchange Rate Policy

Part Two : Monetary Policy

Part Three : Clearing-House, Payment Systems and Money in Circulation Affairs

Part Four : Public Debt

Part Five : Instructions of Government Bodies

Part Six :Instruction of Banking Systems

Part Seven : Instruction of Supervision and Control

Part Eight : Other Instructions

Part Nine : Instructions of Financial Information Unit

Part Ten : Instructions of Financial Stability and Statistics

Part Eleven : Penalties and Financial Fines

Part Twelve : Periodical Data

Part Thirteen : Tables, Forms and Filling Up Instructions
 

Annex in Instructions

Subject

1

Daily Balance Statement of Gross And Average Deposits (Required Reserve)

2

Credit Facility Rating by Economic Sectors

3

Standard Suspicious Transaction Report for Money Laundering / Terrorism Financing

4

Average Interest/Return Rates

5

Request Form for Establishment of a Mutual Fund - Personal Questionnaire for Appointing Manager of the Mutual Fund

6

Nostro Reconciliation Report

7

Guidelines on Sound Risk Management Practices

8

Data Entry - Provisions for Non-Performing Credit Facility Accounts

9

Capital Adequacy Ratio (Basel II)

10

Statistics of Balance of Payments

11

Balance of Payments

12

Notification about Debts due to be Written off

13

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

-

Filling up Statement of Major Shareholders in National Banks - Continue Annex No. (13)

14

Monthly Movement of Non-Performing Loans

15

Periodical Statement of Credit Concentrations for a Single Customer and his Borrower Group

16

Periodical Statement of Credit Concentrations to a Single Customer

-

Filling up Instructions of Forms no. (ت س /1) and (ت س/1-1): Continue Annex No. (15) & Annex No. (16)

17

Implementation Instructions of Capital Adequacy Calculation in pursuance with Basel II Framework - Pillar One

18

Total of Overdraft and Overdrawn Accounts

19

Details of Other Overdrafts and Overdrawn Accounts Collateralized by Tangible Guarantees

20

Assessment of Financial Investments Inside & Outside Qatar – All Banks

21

Questionnaire on Companies Candidate for Board of Directors or Major Shareholder

22

Details of Balances and Movements of Financial Derivatives held for Trading or Hedging Purposes

23

Details of Financial Derivatives for Hedging Purposes

24

Details of Balances, Movements & Assessment of Financial Investments

25

License Application Form - National Bank (Form (A) – Banks)

 

License Application Form - Foreign Bank’s Branch in Qatar (Form (B) - Banks)

 

License Application Form - Branch inside Qatar (Form (C) - Banks)

 

License Application Form - National Bank’s Expansion outside Qatar (Form (D) - Banks)

26

License Fees Received by QCB

27

Fines Table for Violating Liquidity Ratio

28

Calculation Form for Liquidity Ratio

29

Calculation Form for Liquidity Ratio

30

Recording Fines Form for Violating Liquidity Ratio

31

Calculation Form for Credit Ratio

32

Fines Table for Violating Credit Ratio

33

Calculation Form for Fines for Violating Credit Ratio

34

Recording Fines Form for Violating Credit Ratio

35

Fines Table for Violating Ratio of Overdraft To Total Credit Facilities

36

Calculation Form for Ratio of Overdraft To Total Credit Facilities

37

Recording Fines Form for Violating Ratio of Overdraft To Total Credit Facilities

38

Calculation Form for Total International Financing Ratio

39

Recording Fines Form for Violating Total International Financing Ratio

40

Calculation Form for Ratio of Investments in Real Estate (Circulated Investments), Other Real Estate and Assets for purposes of (Trading/Leasing), and Real Estate for Bank Use

41

Recording Fines Form for Ratio of Investments in Real Estate (Circulated Investments), Other Real Estate and Assets for purposes of (Trading/Leasing)

42

Fines Table for Violating Total International Financing Ratio

43

Fines Table for Violating Ration of Investments in Other Real Estate and Assets For Purposes of (Leasing/Trading)

44

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

45

Calculation Form for Ratio of Assets in Foreign Currencies To Liabilities in Foreign Currencies

46

Fines Table for Violating Ratio of Assets in Foreign Currencies To Liabilities in Foreign Currencies

 47

Personal Questionnaire of Candidates for the Board of Directors

48

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

49

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

50

Undertaking & Acknowledgment (Member of Board of directors)

51

Personal Questionnaire for Appointing General Manager/Chief Executive Officer and Senior Staff

52

Investment Product Summary

53

Investment Product Register

54

Application Form for Appointing Chartered Auditor

 55

Undertaking & Acknowledgment

56

Technical Instructions for Credit Facilities and Guarantee Files

57

Organizational Chart of Supervision and Control Department

58

Application form of symbolic code for Ministries and Government Companies and Institutions (Entry Form of Government Institutions)

59

Undertaking (From Headquarter/General Management of foreign bank branch operating in Qatar)

60

QCB Notification Form for Starting the Activity of Branch (B) – Branch (C)

61

QCB Notification Form for Operating Automatic Teller Machine (ATM)

62

Monthly Statement of Assets & Liabilities (For Islamic Banks)

-

Filling up Instructions of Monthly Statement of Assets & Liabilities (For Islamic Banks): Continue Annex No. (62)

63

Investments in Circulated Securities for Trading (Islamic Banks)

64

Fixed Continuous Investments in the Corporate Capital (Islamic Banks)

65

Investments in Portfolios and Mutual Funds (Islamic Banks)

66

Investments in Securities and Corporate Capitals (Islamic Banks)

67

International Murabaha in Commodities & Metals (Islamic Banks)

68

Other International Financing Operations (Islamic Banks)

69

Investment in Real Estate for Trading (Islamic Banks)

70

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

71

Other Investments / Others (Islamic Banks)

72

Other Assets & Liabilities (Islamic Banks)

73

Private Investments (Provisioned) & their Sources of Financing (Islamic Banks)

74

Monthly Statement of Assets and Liabilities

Filling up Instructions of the Monthly Statement of Assets & Liabilities - Continue Annex No. (74)

75

Income and Expenses Statement of Banks

76

(101) Cash and Precious Metals

77

(102+104) Breakdown of balances maintained with QCB/banks/Other Financial Institutions According to Maturity

78

(103) Breakdown of Securities Portfolio by Maturity

79

(105) Breakdown of Credit Facilities by Maturity

80

(105) Breakdown of Credit Facilities by Collaterals

81

(105) Breakdown of Credit Facilities by Economic Sectors

82

(105) Credit Classification According to Quality

83

(105) Break down of Direct/Indirect Credit Facilities by Amount and Number of Customers (Non-Government)

84

(106) Long-term Investment

85

107/01 Net Fixed Assets for Bank Use

86

107/02 Net Fixed Assets ( for other purposes)

87

108- Breakdown of Other Assets

88

(201, 202) Breakdown of Balances due to QCB/Banks and other Financial Institutions

89

(203) Breakdown of Deposits as per Maturity and according to Sectors

90

(203) Breakdown of Customer Deposits by Amount and Number of Customers (Non-Government)

91

(207) Breakdown of Other Liabilities

92

(3) Details of Contra Items

93

(50103) Breakdown of Interest Received on Credit Facilities by Economic Sector inside Qatar

94

Financial Investments/By the Principal Items (Commercial Banks)

95

Trading Book in Securities/Item (103)

96

Investment In Stocks by each Investment/Item (103)

97

Investment in Stock by each investment/Item (106)

98

Investment in Funds and Portfolio Dealing with Bonds, Sukuk, and Debt Securities under Items (103+106)

99

Investment in Funds and Portfolios Dealing with Stocks under Items (103+106)

100

Investment in Funds and Portfolios under Items (103+106), except for those in Tables (5/1 & 5/2)

101

Details of the Non-Financial Investments (under Item 106)

102

Due From Banks and Local Institutions (104\01) and Due To Banks and Local Financial Institutions (202\01)

103

Details Of Other Debt Securities (204\04)

104

Details Of Other Cash Margins (205\03)

105

Details Of Other Provisions (204\06)

106

Details Of Supplementary Capital (20802)

107

Direct Credit Facilities (105) and Customers' Deposits (203) By bank Branches

108

Direct Credit Facilities outside Qatar (105/02)

109

Details Of International Murabaha in Commodities and Metals under Item (104/02)

110

Credit Facility Classification by Risk and Collectability (Commercial Banks)

111

Classification of Financing by Risk and Collectability

112

Currency Positions

113

Assets and Liabilities Classification by Interest Rate levels

114

Profit and Loss Account

115

Distribution of a Biannual Payment on Account of Depositors

116

Profit and Loss Account

117

The Depositors Share of Profits

118

On-Line Check Clearing

119

Main Data for Registration of Banks Operating in Qatar

120

Real Estate Financing Ratio

121

Calculation Form for Real Estate Financing to Equity or to Customers' Total Deposits Ratio

122

Reporting Form of fines for violating Percentage of Real Estate Financing

123

Fines Table for Violating Real Estate Financing to Equity Ratio

124

Exposure of Banks, HQ and/or Branches abroad

125

Periodical Statement Form For Credit Concentrations of Banks and Financial Institutions - Continue Annex (124)

126

Technical Instructions on File of Balances of Banks abroad - Continue Annex (125)

127

Calculation Form for Capital and Reserves Ratio To Total Net Assets

128

Violation for Capital and Reserves Ratio To Total Net Assets

129

Fines Table for Capital & Reserves Ratio To Total Net Assets

130

Violations and Penalties Table

131

Consolidated Financial Statements for Islamic Banks

132

Consolidated Financial Statements for Commercial Banks

133

Qatar Central Bank - Organizational Chart

134

Capital Adequacy System

135

Money Transport Vehicle Movements - Ministry of Interior

136

Maturity Ladder Table of Assets and Liabilities

137

Administrative Decision no. (22/2006)

138

Financial Action Task Force (FATF)

139

Money Changers operating in Syria

140

Financial Stability and Statistics

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