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Instructions to Banks - September 2013

Qatar Central Bank (QCB) is pleased to issue "Instructions to Banks - September 2013", Fifteenth 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 (Fourteenth Edition) including the amendments, additions and deletions in pursuance with articles of The Law of the Qatar Central Bank and the Regulation of Financial Institutions (Law no. (13) of 2012), in addition to all the circulars issued and effective up to September 2013.

The Law of the Qatar Central Bank and the Regulation of Financial Institutions has been issued by virtue of Law no. (13) of 2012 in 2/12/2012. Decree Law no. (1) of 1966 on the Supervision and Control of Insurance Firms and Decree Law no. (33) of 2006 on Qatar Central Bank, and the amending laws thereof have been cancelled. Any provision that violates the provisions of the Law of the Qatar Central Bank and the Regulation of Financial Institutions (Law no. (13) of 2012) shall be annulled.

Article no. (3) of the Law of Qatar Central Bank and the Regulation of Financial Institutions (Law no. (13) of 2012) states that all the bodies subject to the provisions of the law shall adjust their situations within a period of six months as of the date of implementation. This period has ended and has been extended for a similar period that ends at January 30, 2014 in accordance with circular no. (64/2013).

The Law of the Qatar Central Bank and the Regulation of Financial Institutions (Law no. (13) of 2012) includes ten chapters; chapter 1: Definitions, chapter 2: The Organization of the QCB and the Relationship of the QCB with the Government, chapter 3: Currency, Monetary Policy, and Exchange Rate, chapter 4: Regulation of Financial Institutions, chapter 5: Control and Supervision of Financial Institutions, chapter 6: Protection of Financial Institutions Customers, chapter 7: Mergers, Temporary Management, and Liquidation, chapter 8: Dispute Resolution, chapter 9: Sanctions and Financial Penalties, and chapter 10: General Provisions.

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

Part Seven deals with Supervision and Control which includes eleven chapters that cover the Managerial and Banking Risks, Relationship with Customers, Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT), Financial Statements, Modern Technology and E-banking Services Risks, Qatar Exchange, etc.. The last six parts deal with Instructions of Financial Stability and Statistics Department, various topics including Correspondences with QCB, Sanctions and Financial Penalties, Periodical Data, Risk Management, Qatar Credit Bureau, and Tables, Forms and Filling Up Instructions.

In addition, there are other recently issued instructions for statistical requirements which are not included in these instructions 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.

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

Abdullah Bin Saud Al-Thani

The Governor

Index
Definitions

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: Qatar Credit Bureau
Part Ten : Instructions of Financial Stability and Statistics
Part Eleven : Sanctions and Financial Penalties

Part Twelve : Periodical Data


Part (XIII) - Tables, Forms and Filling Up Instructions

Annex	Table or Form in Circulars	Subject
1	Statement No. (2)	Daily Balance Statement of Gross And Average Deposits (Required Reserve)
2	Table No. (1)	Credit Facility Rating by Economic Sectors
3	Instructions	Smart Cards and EMV Standard Approval
4	Form	Average Rate of Interest/Return on Qatari Riyal
5	Form	Request Form for Establishment of a Mutual Fund - Personal Information for Appointing Manager of the Mutual Fund (Body Corporate and Natural Person)
6	Statement	Nostro Reconciliation Report
7	Instructions	Guidelines on Sound Risk Management Practices
8	Instructions	Data Entry - Provisions for Non-Performing Credit Facility Accounts
9	Forms	Capital Adequacy Ratio (Basel II)
10	Basel III	Liquidity Coverage Ratio ( LCR ) Report on Reasons for Deviation of Liquidity Coverage Ratio (LCR) and Suggestions Liquidity Coverage Ratio (LCR) - Filling up Instructions Net Stable Funding Ratio (NSFR) Report on Reasons for Deviation of Net Stable Funding Ratio (NSFR) and Suggestions (Leverage Ratio) Report on Reasons for Deviation of Leverage Ratio (LR) and Suggestions
11	Tables	Financial Stability and Statistics
12	Form (إ ت 1)	Notification about Debts due to be Written off
13	Statement	Major Shareholders in National Banks in which they own 5% or more of Bank's Capital
-	Instructions	Filling up Instructions of Statement of Major Shareholders in National Banks - Continue Annex No. (13)
14	Form	Monthly Movement of Non-Performing Loans
15	Form No. (ت س\1)	Periodical Statement of Credit Concentrations for a Single Customer and his Borrower Group
16	Form No. (ت س/1-1)	Periodical Statement of Credit Concentrations to a Single Customer
-	Instructions	Filling up Instructions of Forms no. (ت س /1) and (ت س/1-1): Continue Annex No. (15) & Annex No. (16)
17	Instructions	Implementation Instructions of Capital Adequacy Ratio: Basel II Framework - Pillar One
18	Statement No. (1)	Total of Overdrafts and Overdrawn Accounts
19	Statement No. (2)	Details of Other Overdrafts and Overdrawn Accounts Collateralized by Tangible Guarantees
21	Form	Information of Companies for Board of Directors or Major Shareholder
25	Application Forms	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	Table	License Fees Received by QCB
27	Table	Table on Fines for Violating Liquidity Ratio
28	Form No. (1)	Calculation Form for Liquidity Ratio
29	Form No. (2)	Calculation Form for Liquidity Ratio
30	Form No. (3)	Form for Recording Fines for Violating Liquidity Ratio
31	Form No. (1)	Calculation Form for Credit Ratio
32	Table	Table on Fines for Violating Credit Ratio
33	Form No. (1)	Calculation Form for Fines for Violating Credit Ratio
34	Form No. (2)	Form for Recording Fines for Violating Credit Ratio
35	Table	Table on Fines for Violating Ratio of Overdraft To Total Credit Facilities
36	Form No. (1)	Calculation Form for Ratio of Overdraft To Total Credit Facilities
37	Form No. (2)	Form for Recording Fines for Violating Ratio of Overdraft To Total Credit Facilities
38	Form No. (1)	Calculation Form for Total International Financing Ratio (Islamic Banks)
39	Form No. (2)	Form for Recording Fines for Violating Total International Financing Ratio (Islamic Banks)
40	Form No. (3)	Calculation Form for Ratio of Investment in Owned real estates for purpose of investment (for purpose of leasing or trading), Participations in unlisted real estate mutual funds, Unlisted real estate Sukuk which is a common ownership in a real estate
41	Form No. (4)	Form for Recording Fines for Violating Ratio of Investment in Owned real estates for purpose of investment (for purpose of leasing or trading), Participations in unlisted real estate mutual funds, Unlisted real estate Sukuk which is a common ownership in a real estate
42	Table	Table on Fines for Violating Total International Financing Ratio (Islamic Banks)
43	Table	Form for Recording Fines for Violating Ratio of Investment in Owned real estates for purpose of investment (for purpose of leasing or trading), Participations in unlisted real estate mutual funds, Unlisted real estate Sukuk which is a common ownership in a real estate
44	Form No. (2)	Form for Recording Fines for Violating Ratio of Assets in Foreign Currencies To Liabilities in Foreign Currencies
45	Form No. (1)	Calculation Form for Ratio of Assets in Foreign Currencies To Liabilities in Foreign Currencies
46	Table	Table on Fines for Violating Ratio of Assets in Foreign Currencies To Liabilities in Foreign Currencies
47	Attachment No. (1)	Personal Information of Candidates for the Board of Directors or Major Shareholder
48	Form No. (1)	Scheduling Debt of a Member of the Bank's Board - Subject to Settlement
49	Form No. (2)	Scheduling Debt of a Company Owned or Co-owned by a Member of the Bank's Board - Subject to Settlement
50	Attachment No. (2)	Undertaking & Acknowledgment (Member of Board of directors)
51	Form	Personal Information for Appointing General Manager/Chief Executive Officer and Senior Staff
52	Table	Investment Product Summary
53	Table	Investment Product Register
54	Form	Application Form for Appointing Auditor
55		Undertaking & Acknowledgment
56	Technical Instructions	Technical Instructions for Credit Facilities and Guarantee Files
57	Organizational Chart	Organizational Chart of Supervision and Control Department
58	Form	Application form of symbolic code for Ministries and Government Companies and Institutions (Entry Form of Government Institutions)
59	Form	Undertaking (From Headquarter/General Management of foreign bank branch operating in Qatar)
60	Form	QCB Notification Form for Starting the Activity of Branch (B) – Branch (C)
61	Form	QCB Notification Form for Operating Automatic Teller Machine (ATM)
62		Assets: Bank -All Branches Inside Qatar Liabilities: Bank -All Branches Inside Qatar Contra Items: Bank -All Branches Inside Qatar Income: Bank - All Branches Inside Qatar Expenses: Bank - All Branches Inside Qatar
63	Table No. (1)	Table (1) - (101) Cash and Precious Metals
64	Table No. (2)	Table (2) - (102,103) Breakdown of claims on central banks and banks
65	Table No. (3)	Table (3) - (102,103) Breakdown of claims on central banks and banks by Maturity
66	Table No. (4)	Table (4) - (104) Breakdown of Debt Securities – Sukuk
67	Table No. (5)	Table (5) - ( ) Breakdown of Equity Participations and Mutual funds and Others
68	Table No. (6)	Table (6) - (104) Accounting Classification of Securities Portfolio
69	Table No. (7)	Table (7) - ( ) Breakdown of Debt Securities - Sukuk by Maturity
70	Table No. (8)	Table (8) - (105) Breakdown of Credit Facilities by Type of Facilities
71	Table No. (9)	Table (9) - (105) Breakdown of Credit Facilities by Type of Customer
72	Table No. (10)	Table (10) - (105) Breakdown of Performing Credit Facilities by maturity
73	Table No. (11)	Table (11) - (105) Credit Classification According to quality
74	Table No. (12)	Table (12) - (105) Breakdown of Credit Facilities by Amount Denominations
75	Table No. (13)	Table (13) - (105) Breakdown of Tangible Collaterals * Against Credit Facilities
76	Table No. (14)	Table (14) - (106) Breakdown of Investments in Subsid. and Assoc. (Equity Participation)
77	Table No. (15)	Table (15) - (107) Breakdown of Investments in Real Estates
78	Table No. (16)	Table (16) - (107) Breakdown of Investments in Real Estates
79	Table No. (17)	Table (17) - (108) Breakdown of Net Fixed Assets
80	Table No. (18)	Table (18) - (10902) Breakdown of Intangible Assets in Other Assets
81	Table No. (19)	Table (19) - (10903) Breakdown of Others in Other Assets
82	Table No. (20)	Table ( 20 ) - ( ) Breakdown of Assets acquired against settlement of debts ( Net value )
83	Table No. (21)	Table (21) - (201,202) Breakdown of Due to Central Banks and Due to Banks
84	Table No. (22)	Table (22) - (201 , 202) Breakdown of Due to Central Banks and Due to Banks by Maturity
85	Table No. (23)	Table (23) - (203) Breakdown of Customer Deposits by Type of Customer
86	Table No. (24)	Table (24) - (203) Breakdown of Customer Deposits by maturity
87	Table No. (25)	Table (25) - (203) Breakdown of customers deposits by Amount Denominations
88	Table No. (26)	Table (26) - (205) Breakdown of Other Borrowings/Finance
89	Table No. (27)	Table (27) - (206) Breakdown of Cash Margin
90	Table No. (28)	Table (28) - (204-205) Breakdown of Debt Securities - Sukuk & Other Borrowings/Finance by Maturity
91	Table No. (29)	Table (29) - (207) Breakdown of Provisions
92	Table No. (30)	Table (30) - (20801) Breakdown of Deferred Interest/Income in Other Liabilities
93	Table No. (31)	Table (31) - (20804) Breakdown of Others in Other Liabilities
94	Table No. (32)	Table (32) - (20901) Breakdown of Paid Up Capital
95	Table No. (33)	Table (33) - (20906) Breakdown of Fair Value Adjustments
96	Table No. (34)	Table (34) - (20908) Breakdown of Other Reserves
97	Table No. (35)	Table (35) - (301) Breakdown of Contingent liabilities
98	Table No. (36)	Table (36) - (302) Breakdown of Commitments
99	Table No. (37)	Table (37) - (30201) Breakdown of Unutilized Facilities
100	Table No. (38)	Table (38) - (303) Breakdown of Derivative Contracts
101	Table No. (39)	Table (39) - (304) Breakdown of Assets Under Management
102	Table No. (40)	Table (40) - ( ) Total Exposure to Subsidiaries and Associates
103	Table No. (41)	Table (41) - ( ) Details of Amount Due to Subsidiaries and Associates
104	Table No. (42)	Table (42) - ( ) Breakdown of Securities Portfolio in Q.F.C Institution
105	Table No. (43)	Table (43) - (402) Breakdown of Net Profit (Loss) on Securities Portfolio
106	Table No. (44)	Table (44) - (105) Breakdown of Credit Facilities by Economic Sectors
107	Table No. (45)	Table (45) - (203) Breakdown of Customer Deposits by Economic Sectors
108	Instructions	Monthly Statement of Assets & Liabilities
109	Guidance	The National Counter Terrorism Committee (NCTC) Guidance to reporting the matching of names and entities with the list issued under the United Nations Security Council Resolutions on terrorism and terrorist financing
110	Organizational Chart	QCB Organizational Chart
112	Circular	Circulars no. (2/2011), (4/2011) and (3/2011) issued by Ministry of Economy and Finance
114	Law	Law No. (7) of the year 2010 Amending Some of the Provisions of the Trade Law Promulgated by Law No. (27) of the year 2006
115	Table and Instructions	Cash Flows for Customer Deposits
116	Form B/1	Profit and Loss Account
117	Form B/2	The Depositors Share of Profits
118	Form	On-Line Cheque Clearing
119	Form	Main Registration Data of Banks operating in Qatar
120	Form No. (1)	Net Real Estate Finance Risk Ratio
121	Form No. (2)	Net Real Estate Finance Risk Ratio to the Bank's Capital and Reserves
122	Form No. (3)	Reporting Fines for Violating the Net Real Estate Finance Risk
123	Fines Table	Violating Net Real Estate Finance Risk Ratio to the Bank's Capital and Reserves
124	Table No. (1)	Exposure of Banks, HQ and/or Branches abroad
125	Filling up Instructions	Periodical Statement Form For Credit Concentrations of Banks and Financial Institutions - Continue Annex (124)
126	Technical Instructions	Technical Instructions on File of Balances of Banks abroad - Continue Annex (125)
127	Form No. (1)	Calculation Form for Capital and Reserves Ratio To Total Net Assets
128	Form No. (2)	Violation of Capital and Reserves Ratio To Total Net Assets
129	Table	Table on Fines for Capital & Reserves Ratio To Total Net Assets
130	Table	Violations and Penalties Table
131	Financial Statements	AAOIFI Illustrative Consolidated Financial Statements for Islamic Banks
132	Financial Statements	IFRS Illustrative Consolidated Financial Statements for Conventional Banks
134	Technical File Format	Capital Adequacy System
135	Form	Money Transport Vehicle Movements - Ministry of Interior
136	Instructions and Table	Maturity Ladder Table of Assets and Liabilities
137	Decision	Administrative Decision no. (22/2006)
138	Guidance	Guidance on Basel Capital Adequacy Pillar II Application: Supervisory Review and Evaluation Process (SREP) and Application of Internal Capital Adequacy Assessment Process (ICAAP)
139	-	Exchange Houses operating in Syria
140	Data	Financial Stability and Statistics
141	List	Limits of Commissions and Fees on Personal Accounts and Services
142	Form	Personal Information for Appointing Member of Shariaa Board
144	Tables	Basic Data (Financial Stability and Statistics Department)
145	Table	The Required Letters of Credit
146	Decision	Decision no. (5) Establishing Qatar Credit Bureau
147	Table	Country Credit Risk Concentration
149	Tables (1-4)	Financial Stability and Statistics - Cross-Border Business
150	Guidelines	Guidelines for Money Laundering and Terrorist Financing Suspicious Transaction Reporting
151	Form	Qatar Financial Information Unit (QFIU) Reporting Form
152	Organizational Chart	Administrative Decision on approval of Organizational Chart of Financial Stability and Statistics Department
153	Regulations	QATCH Regulations
154	Table	Data of Money Laundering Reporting Officer (MLRO) and his Deputy
156	Organizational Chart	Administrative Decision No. (58/2011) on Approval of Qatar Credit Bureau Organizational Structure
157	Filling up Instructions	Net Real Estate Finance Risk Ratio: Forms no. (1), (2), (3) and Table on fines (annexes no. 120, 121, 122 and 123)
158	Tables	Data on Bank Lending (Financial Stability)
159		Direct Credit and Debit System (QATCH)
160	Statement	Addresses and Branches of Private Societies and Associations
161	Decision	Decision no. (4/2011), Minister of Social Affairs
162	Application Form	Application form for Transfer of amount of money to a Branch of Society/Association Application form for cash/in kind transfers to Private Society/Association (Branch/External Entity)
163	Form No. (1)	Balances of Bad Debts excluded from the Balance Sheet
164	Form No. (2)	Notification about Bad Debts excluded from the Balance Sheet
165	Letter	Letter of Director General of Public Security dated 20/6/2011
166	Statement	Customer Classifications Codes
167	Statement	Consumer Loans (Semi-annual)
168	Table no. (1)	Investment in Debt Securities for Trading
169	Table no. (2)	Investment in Sukuk for Trading
170	Table no. (3)	Investment in Debt Securities for Non Trading (by profit and loss)
171	Table no. (4)	Investment in Sukuk for Non Trading (by profit and loss)
172	Table no. (5)	Investment in Debt Securities for Non Trading (by Equities)
173	Table no. (6)	Investment in Sukuk for Non Trading (by Equities)
174	Table no. (7)	Investment in Debt Securities for Non Trading (measured by cost)
175	Table no. (8)	Investment in Sukuk for Non Trading (measured by cost)
176	Table no. (9)	Investment in Shares for Trading
177	Table no. (10)	Investment in Mutual Funds &others for Trading
178	Table no. (11)	Investment in Shares for Non Trading (by Profit &loss)
179	Table no. (12)	Investment in Mutual Funds &others for Non Trading (by Profit &loss)
180	Table no. (13)	Investment in Shares for Non Trading (by Equities)
181	Table no. (14)	Investment in Mutual Funds &others for Non Trading (by Equities)
182	Table no. (15)	Investments in Subsidiaries and Associates
183	Table no. (16)	Investments in Real Estate
184	Table no. (17)	Due From Local Banks (10301) and Due To local Banks (20201)
185	Table no. (18)	Investments, Credit Facilities, and Customers' Deposits
186	Table no. (19)	Direct Credit Facilities Outside Qatar
187	Table no. (20)	Details Of Other Debt Securities (204/04)
188	Table no. (21)	Details Of Other Cash Margins (206/03)
189	Table no. (22)	Breakdown of Fair Value Adjustments (20906)
190	Table No. (23/1)	Currency Positions – Assets
191	Table No. (23/2)	Currency Positions – Liabilities
192	Instructions	Modern Technology and E-Banking Services Risks
193	Instructions	E-Banking Instructions - IBAN Standard
194		Response to Claims of NAPS Reconciliations within Limited Time