00 1 Index PDF

Instructions To Banks – September 2013
Subject Page
Definitions In accordance with article no. (1) of The Law of 32-36
the Qatar Central Bank and the Regulation of
Financial Institutions (Law no. (13) of 2012)
Part One Exchange Rate Policy 37-39
First: Decree of Qatari Riyal Exchange Rate 38
Second: Relation of the Qatari Riyal to US Dollar 39
Part Two Monetary Policy 40-57
First: Definitions 41
Second: Monetary Policy Instruments 42
1- Qatar Money Market Rates (QMR) 42
2- Management of Public Debt Securities 43
Repos
3- Required Reserve Ratio 44
4- Issuing Certificates of Deposit 45
Third: Interest/Return Rates on Qatari Riyal 52
Fourth: Credit Classification by Economic Sectors 54
Fifth: Statistics of Balance of Payments 56
Sixth: Monthly Movement of Non-Performing Loans 57
Part Three Clearing House, Payment Systems and Money 58-99
in Circulation Affairs
Chapter One: Definitions 59
Chapter Two: Cheques, Clearing House and 60
Payment Systems
First: Cheques 60
Second: Clearing House 72
Third: Payment and Settlement Systems 77
Chapter Three: Money in Circulation Affairs 87
Chapter Four: Withdrawal of Banknotes 95
Chapter Five: Qatari Currency Counterfeiting 97
Chapter Six: Security Companies 98
Part Four Public Debt 100-107
Chapter One: Regulation of Subscription in the 101
Fifteenth Edition September 2013

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Primary Market of Government Bonds

Chapter Two: Transferring the Ownership of Public 104
Debt Securities
Chapter Three: Circulation of Government Bonds in 105
Secondary Market
Part Five Instructions of Government Bodies 108-139
First: Ministry of Finance 109
Second: Ministry of Interior 117
Third: Ministry of Foreign Affairs 126
Fourth: Ministry of Labor and Social Affairs 127
Fifth: Ministry of Economy and Trade 133
Sixth: General Authority for Minors Affairs 135
Seventh: Cabinet 137
Eighth: Amiri Diwan 138
Ninth: Other Instructions 139
Part Six Instructions of Banking Systems 140-156
1- Smart Card and EMV Standard 141
2- Risk Mitigation for Banks' Customers 142
3- "SIBNET" Secured Network System 142
4- ATM Machines Services 144
5- NAPS Operation Regulations 144
6- Response to Claims of NAPS Reconciliations within 145
Limited Time
7- Equipment of ATM Machines with Security Devices 145
8- GCC Net 146
9- Development of Collection of Cheques 146
10- Photocopying the Original Cheques 147
11- Using the Credit Card Prefix 147
12- Points of Sale (POS) Machines 148
13- Direct Credit and Debit System (QATCH) 148
14- Transactions’ Electronic Robust Mandate System 150
(TERMS)
15- Launching Q-pay 150
16- Bill Payment via ATMs 151

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17- Customers’ Data on Remittances, and Selling and 151

Buying Currencies
18- Mobile ATM Vehicles 151
19- Controls and Standards of Security Precautions at 152
Banks and ATMs
20- Security Surveillance Systems 152
21- ATMs for Persons with Special Needs 152
22-Implementation of International Bank Account 153
Number (IBAN) in Qatar
23-Others (Caution and Warning) 155
24-Promoting Customer Awareness in the Banking 155
Sector
25- Storage Media 155
26-SWIFT User Group Chair Person 156
27- Stress Testing for purpose of Business Continuity. 156
Refer to circular no. (45/2013).
Part Seven Instructions of Supervision and Control 157-508
Definitions 158
Chapter One: Banking Risk 163
First: Capital Adequacy Ratio 164
1- Application of Capital Adequacy in pursuance 164
with Basel II - National Banks
2- Capital Adequacy - Branches of Foreign Banks 164
3- The External Auditor's Approval of Capital 165
Adequacy in pursuance with Basel II
4- Capital Requirements for Licensing New Banks 165
4/1 Minimum Capital Requirements for 165
Licensing a National Bank or a Branch of
Foreign Bank
4/2 Increase or Decrease in Capital and Reserve 165
Accounts - National Banks
4/3 Risk Reserve - National Banks 165
4/4 Maintain a reserve balance 166
5- Basel III 166

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6- Guidance on Basel Capital Adequacy Pillar II 167

Application: Supervisory Review and Evaluation
Process (SREP) and Application of Internal
Capital Adequacy Assessment Process (ICAAP)
7- Major Shareholders - National Banks 168
Second: Credit and Financing Risk 170
A- Controls on Credit Facility Classification and 170
Provision Determination
First: Instructions on Credit Facility 170
Classification and Provision Determination
A- Definitions 170
1- Credit Facilities 170
2- Rescheduled Credit Facilities 171
B- Credit Facility Classification Categories 171
1- Performing Credit Facilities 171
2- Non-Performing Credit 172
Facilities
C- Indicators of Non-Performing Credit 172
Facility Classification
1- Indicators of Non-Performing 172
Credit Facilities
2- Other Estimating Weakness 172
Indicators
3- Rescheduled Credit Facilities 173
4- Other Considerations for Credit 174
Facility Classification
D- Provision Calculation and Suspended 174
Interests (Returns)
E- Valuation of Collaterals 175
F- General Notes 176
1- minimum requirements that 176
may be taken into account
while putting up policies and
procedures to classifying the

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credit facilities
2- Bank should calculate the 176
provisions in conformity with
the International Financial
Reporting Standards (IFRS)
and the same should be audited
by External Auditor
3- Credit Facility Classification 179
and Provision Determination
Second: Reclassification of Credit Facilities 179
Third: Updating and Submission of Provisions 179
Data on Non-Performing Credit Facilities
Fourth: Periodical Data 180
Fifth: Bills Discounted and Past Due 180
Installments of Loans
B- Debt Write-off 181
C- Credit Policies and Concentrations 185
1- Credit Policies 185
2- Credit Concentrations 185
2/1 Definitions 185
2/2 Maximum Limit of Credit 188
Concentration
3- Additional Controls 190
4- Controls on Credit Facilities in terms of 191
Overdrafts or Overdrawn Current
Accounts (Commercial Banks)
5- Purchasing Loans from Inside and Outside 194
Qatar
6- Credit Facilities Granted to Construction 195
Sector
7- Personal Guarantees against Credit 195
Facilities
8- Statement of Account on Credit Facilities 195
Granted to Customers

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9- Overdrawn Current Accounts (Islamic 195

Banks)
10- Conditions for Credit Facility Contracts 195
and Documents
11- Controls on Real Estate Finance 196
Second: Total ceiling of Real Estate 198
Finance Risk
Third: Controls on Real Estate Finance 198
Fourth: Execution of Guarantees 199
Fifth: General Instructions 200
12- Financing Subscription to Capital of 202
Companies Under Establishment
13- Financing Subscription to Increase Capital 204
of Companies
14- Acquisition of Lands and Premises as a 204
Result of Credit Facilities Settlement
15- Interest Rate Risk on Loans 204
16- Commission on Loans and Receivables of 205
Islamic Finance
17- Collaterals against Credit Facilities 205
17/1 In case of Cheques 205
17/2 In case of Residential Real Estates 205
18- Payment Guarantees 206
19- Credit Facilities against Salary 206
19/1 Instructions: 206
Second: Maximum Limits on 207
Credit Facilities against Salary
Third: General Controls on Credit 208
Facilities against Salary
Fourth: Rescheduling Credit 212
Fifth: Other Issues 212

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19/2 Rate of Interest or Return on Credit 213

20- Customers’ Obligations Due to Qatar 214
Development Bank (QDB) against Housing
Loans
21- Granting Credit Facilities in Foreign 214
Currency
22- Credit Facilities granted to Governmental 215
Bodies and Entities
D- Financing Policies in Islamic Banks 217
1- Article no. (105) of QCB Law 217
2- Sharia Supervisory Board 217
3- International Finance 218
4- Local Finance 219
5- Unimplemented Part of Istisna Contracts 219
6- Controls on Tawarruq Finance (Islamic 220
Banks)
7- Overdrawn Current Accounts (Islamic 223
Banks)
8- Commission on Receivables of Islamic 223
Finance
9- Conditions for Credit Facility Contracts 223
and Documents
E- Credit Risk Management 224
First: Establishing an Appropriate Credit Risk 224
Management Environment
Second: Operating under Sound Credit-Granting 227
Process
Third: Establishing an Appropriate 234
Administration System for Credit Risk
Management, Measurement and Monitoring
Fourth: Ensuring Adequate Controls over Credit 238
Risk
- Updated Credit Risk Management 239

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System
F- Financing Customers' Trading in Securities 240
G- Instructions to Members of Board of Directors 241
1- Ceilings and Conditions on Credit 241
Facilities to Members of Board of Directors
2- Credit Facilities to Relatives of Members of 243
Board of Directors
3- Transactions of Members of Board of 243
Directors with the Bank
4- Membership of Board of Directors 244
5- Bonuses given to Members of Board of 246
Directors
H- Country Risk Concentration (National Banks) 248
1- Definitions 248
2- Maximum Limits for Country Risk 249
3- Country Risk Management 250
4- Country Credit Facility Classification and 250
Provision Determination
5- Financial Data 251
Third: Bank Investments 252
A- Controls and Ceilings on Bank Investments 252
First: Securities Portfolio 252
1- Investments in Equity Instruments 252
2- Investments in Debt Instruments and 252
Sukuk
3- Investment Ceilings to a Bank's Capital 253
and Reserves
Second: Investment in Associates 253
Third: Investment in Real Estates (Islamic 254
Banks)
Fourth: General Instructions 254
B- Notes on Investment Ceilings 255
C- Purchasing Shares by the Issuing Banks 255
(Treasury Shares)

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Fourth: Trading in Foreign Exchange and Money 257

Market Instruments in favor of the Bank
1- Controls on Trading in Foreign Exchange, 257
Derivatives and Money Market Instruments in
favor of the Bank
2- Foreign Exchange Transactions, Forwards, 257
Futures, Options, and Others
3- Ceilings of Interest Rate Gap 258
4- Instructions of Board of Directors on Trading in 258
Foreign Exchange and Money Market
Instruments
Fifth: Concentrations of Deposits and Credit Facilities 259
at Banks and Financial Institutions
1- Definitions 259
2- Rating Banks and Financial Institutions 260
3- Maximum Credit Concentration Limits for 260
Banks and Financial Institutions
4- Additional Controls on Deposits and Credit 260
Facilities
5- Periodical Data 262
6- Periodical Statements on Credit Concentrations 262
for Banks and Financial Institutions
Sixth: Liquidity Management 263
1- General Instructions on Bank’s Liquidity 264
Management
2- Maturity Ladder of Assets and Liabilities 264
3- Cash Flows for Customer Deposits 264
Seventh: Banking Ratios and Indicators 265
A- Liquidity Ratio 265
1- Definitions 265
2- Calculation of Liquidity Ratio 265
B- Credit Ratio 267
C- Ratio of Overdraft To Credit Facilities 268
D- Ratio of Assets in Foreign Currencies To 269

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Liabilities in Foreign Currencies

E- Ratio of Fixed Assets for Bank's Use To bank's 270
Capital and Reserves
Eighth: Risk Management 271
Ninth: Islamic Financial Services in Conventional 272
Banks
Tenth: Recognition of the True Sale of Assets 274
Chapter Two: Banking Managerial Risk 275
First: Corporate Governance 276
A- Corporate Governance 276
1- Definitions 276
2- Roles and Responsibilities of Board of 276
Directors
2/1 Set and Develop Strategies, Objectives 277
and Policies
2/2 Organizational Structure Set-Up 277
2/3 Committees Constitution and 278
delegation of powers and authorities
2/4 Monitor the Implementation of 280
Policies and Performance and Risk
Assessment
2/5 Appointment of Internal Auditing 281
Staff and Monitoring
2/6 External Auditor Approval 282
2/7 Responsibility Towards Shareholders 283
and Other Parties
2/8 Board Responsibility towards QCB 283
3- Roles and Responsibilities of Executive 284
Management
3/1 Assist in Setting up and Development 284
of Strategies, Objectives and Policies
3/2 Assist in Forming the Organizational 284
Structure
3/3 Conduct Transactions and Implement 284

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Policies
3/4 Submit Reports to the Board of 286
Directors
3/5 Preparation of Financial Statements 286
3/6 Development of Professional 287
Aptitude and Skills
3/7 Responsibility towards Internal and 287
External Auditors
3/8 Responsibility towards QCB 287
4- General Provisions 288
B- Core Principles for Banks' Remuneration 288
Policy/System
Second: Bank Senior Appointments 290
1- Appointment of General Manager/Chief 290
Executive Officer of the Bank
2- Bank Senior Appointments 290
3- Movement of Senior Staff 291
4- Official Vacations and Tasks of the General 291
Manager/Chief Executive Officer
5- Employment of Relatives 291
Third: Authorized Signatories 292
1- Statements and Correspondences 292
2- Names and Signature Forms of the Board of 292
Directors and General Management Members
Fourth: Internal Auditing 293
Fifth: Outsourcing (Outsourcing Regulations) 294
Sixth: Consolidated Supervision of National Banks, 296
Their External Branches and Subsidiaries
1- Definitions 296
2- Corporate Governance 297
2/1 Roles and Responsibilities of the Bank's 297
Board of Directors
2/2 Roles and Responsibilities of the Bank's 301
Executive Management

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3- Concentration Risks 301

3/1 Credit Risks for Parties of Interrelated 301
Interests within the Banking Group
3/2 Customer's Credit Concentrations 302
3/3 Credit Concentrations at Banks 303
3/4 Investment Risk Concentrations 303
3/5 Real Estate Financing Concentrations 303
3/6 Credit Concentrations and Transactions 304
between the Bank and the Subsidiaries
4- Assessment of Debts and Other Assets 304
5- Capital Adequacy Ratio 304
6- Liquidity Risk 305
7- Other Risks for Assets and Provisions 305
8- Risk Management 305
9- Other Issues 305
10- Consolidated Statements and Reports for Bank 306
and its Group
Chapter Three: Modern Technology and E-Banking 307
Services Risks
Chapter Four: Relation with Customers 309
First: Customers' Investments 310
1- Investment Activity for Customers 310
1/1 Investment Business 310
1/2 Organizational Instructions 310
1/3 Relation with Customers 311
1/4 Internal Controls to Banks 312
2- Managing and Marketing Investment Portfolios 312
and Accounts for Customers
2/1 Definitions 312
2/2 Managing Investment Account 313
2/3 Issuing and Managing Investment Portfolios 315
2/4 Marketing Investment Mutual Funds and 318
Portfolios for Others
2/5 Investment Mutual Funds 320

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2/6 Other Regulations and Instructions 325

2/7 Other Investments Issues 327
2/8 Details of the Periodical Data for Investment 327
Portfolios and Mutual Funds
2/9 Auditing Investment Portfolios and Mutual 327
Funds
2/10 Disclosure Through Advertising for 328
Introducing or Marketing Investment Products
2/11 QCB’s Non Objection to Investment 329
Portfolios and Products Issuance and Marketing
2/12 Real Estate Funds 329
3- Banks' Transactions on behalf of Customers in 330
Foreign Exchange, Commodities and Metals
4- Customers' Investments in Foreign Companies' 331
Stocks
Second: Customers' Deposit Accounts 332
1- Regulations for Opening Personal Deposits 332
Accounts
1/1 Completion of Data, Documents and 332
Contracts
1/2 Customers Data in Forms, Contracts and 332
Accounts
1/3 Documents to be attached to the Account 333
Opening Forms and Contracts
1/4 Contracts to be Concluded 333
1/5 Customer Accounts Statements 334
1/6 Opening more than one main account for a 334
customer
2- Account Opening Procedures 335
2/1 Opening Current Account 335
2/2 Customers are not permitted to use Cheques 335
for drawing from the Saving Accounts
3- Deposits at Islamic Banks/Mudaraba 335
Percentages and Profit Rates

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4- Introducing New Type of Deposits 336

5- Opening an Account for Companies Applying for 336
License to Work in Free Zones of Science and
Technology Oasis
6- Resident and Non-Resident Accounts 336
7- Using Personal Accounts for Commercial 337
Purposes
8- Promoting Customer Awareness in the Banking 338
Sector
Third: Marketing Products of Insurance 339
Fourth: Providing Service Counters in Banks for 341
Persons with Special Needs
Fifth: Special Need Customers (Blinds) 342
Sixth: Commissions and Fees on Personal Accounts 343
and Services
1- Limits of Commissions and Fees 343
2- Commission and Fees Disclosure 343
Chapter Five: Dormant Deposits and Unclaimed 344
Accounts
First: General Instructions 345
Second: Dealing with Dormant Deposits and 345
Unclaimed Accounts
1- Dormant Deposits Accounts 345
2- Unclaimed Banking Cheques and Transfers 346
3- Unpaid Shareholders' Profits 347
4- Customers' Accrued and Unpaid Investments 348
5- Other Funds not remitted to Owners 348
6- Contents of Unclaimed Safe Boxes 349
7- General Rules 350
Chapter Six: External Auditor 351
1- Appointing and Changing the External Auditor 352
2- Conditions Required for External Auditor 353
2/1 Registration and License 353
2/2 Professional Efficiency and Experience 353

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2/3 Neutrality and Independency 353

2/4 Honesty, Creditability and Secrecy 354
3- External Auditor’s Tasks and Duties 354
4- External Auditor's Responsibilities Towards 355
QCB
5- External Auditor's Reports 356
5/1 The Annual Public Disclosure Report 356
5/2 Quarterly Financial Reports 356
5/3 Internal Control Letters and 357
"MANAGEMENT LETTERS"
6- External Auditor's Special Tasks 357
7- Contracting with External Auditor 357
8- External Auditor for Mutual Funds 358
9- Credit facilities Classification and Provision 359
Determination (External Auditor)
10- Legal Issues related to External auditors 359
Chapter Seven: Banks' Relation with QCB 362
First: Centralizing Banking Credit Risk Reporting 363
Second: Banks' Correspondence with QCB 370
1- The Designation Codes for Supervision and 370
Control Department
2- Regulating Banks' Correspondence with 370
Supervision and Control Department
3- Organizational Structure of the Supervision and 370
Control Department
4- QCB Inspectors' Reports 371
5- Bank’s Organizational Structure 371
6- QCB Organizational Structure 371
Third: License, Registration and Fees - Banks 372
1- License for Banks 372
1/1 Banking License Application Forms 372
1/2 Granting or Rejection of licensing 372
application
1/3 Promulgate the decision to grant the license 372

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1/4 The QCB may license foreign financial 373

institutions to open branches
1/5 The financial institution shall commence 373
conducting the licensed services, businesses or
activities
1/6 Amending Licensing conditions 373
1/7 License Renewal 373
2- Fees Received by QCB 373
2/1 Fees Received by QCB according to Annex 373
no. (26)
2/2 Method of Collecting the Annual Fees 373
3- Bank’s Articles of Association and Incorporation 374
4- Main Data for Bank’s Registration 374
5- Opening Branches and ATMs 375
6- Data for Starting Branch Activity and Operating 375
ATMs
7- Revoke or Cease License 375
Fourth: Banks' Working Hours and Official Holidays 376
Fifth: Undertaking from the Headquarters 378
Sixth: Classification of Headquarters and Branches 379
Activities
Seventh: Back Office Activity of Branches of Foreign 381
Banks
Eighth: Security and Safety in Banks and ATMs 383
A- Security and Safety Instructions 383
B- Standards and Specifications of Security 387
Precautions at Banks and ATMs
1- IT Room 387
2- Safe Boxes Room 387
3- Main Branch and Branches 387
4- ATMs 388
C- Controls and Standards of Security 389
Precautions at Banks and ATMs
D- Security Surveillance Systems 391

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Ninth: Reporting on Extraordinary Cases to QCB 393

Tenth: Compliance Function 394
Eleventh: Business Continuity 396
A- Business Continuity Plan Guidelines 396
B- Business Continuity Management Guidelines 399
Twelfth: Restricted Activities for Banks 407
Chapter Eight: End of Year Financial Statements and 408
Additional Instructions
First: Monthly Statement of Assets and Liabilities 409
1- Monthly Statement of Assets and Liabilities 409
1/1 Monthly Balance Sheet 409
1/2 Monthly Balance Sheet 410
Implementation
A- Technical Instructions of the 410
monthly balance sheet
B- All banks should comply with the 410
following
C- New amendments have been made 411
to the monthly balance sheet and
some tables required from bank and
its branches inside Qatar
D- Monthly tables attached to the 411
balance sheet
2- End of Year Financial Statements 411
2/1 International Accounting Standards 411
2/2 Accounting Standards for Islamic Banks 415
2/3 Accounting Classification of Deposits at 423
Banks (Islamic Banks and Islamic Branches of
Commercial Banks)
2/4 Evaluation of Shares in Companies 425
according to Shareholder's Equities (All banks)
2/5 Consolidated Financial Statements 425
Second: Calculation and Distribution of Profits between 430
Depositors and Shareholders of Islamic Banks

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1- Method for Distributing Profits 430

2- Distribution of Payment out of Profits to 431
Depositors
3- Loss Bearing 431
4- The Ratio of Mudarba and Contracts Signed with 431
Depositors
5- Forms for Non-Objection from QCB 432
Third: Additional Instructions 433
Chapter Nine: Other Banking Issues 436
1- Embezzlement Crimes 437
2- Activities Designed to be Conducted Abroad 437
(National Banks)
3- Cash 437
4- Contracts signed with customers 437
5- Insurance 438
6- Gathering information relating to Basel II 438
Framework
7- The Sole Official Document for Personal 438
Identification
8- Automatic Enrolment 438
9- Arab Union for the Blind 438
10- Warning of Banking Electronic System Breaches 439
11- Shareholders General Assembly (National 440
Banks)
12- ATM Robbery through Electronic Devices 440
13- Naming Contingency Officers 441
14- ATM Fraud 441
15- Fraud Attempts 441
16- Licensed Exchange Houses operating in Syria 442
17- Banks Using Holy Names and Places in Kingdom 442
of Saudi Arabia
18- Other Account Receivables within the Credit 442
Facilities
19- Special Places for QCB Inspectors 443

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20- Qatarization of Posts in The Banking 443

System
21- Changing deposits, CDs and Transactions among 443
Banks
22-ATMs for Persons with Special Needs 443
23-Reporting on Stolen Currency Notes 444
24-Presence of Companies’ Representatives Inside 444
Banks
25- Debt Securities Issuance 445
Chapter Ten: Anti-Money Laundering (AML) and 446
Combating Financing of Terrorism (CFT)
First: Regulations 447
1- Legal Basis for the regulations 447
2- Objectives of the regulations 447
3- Definitions 448
4- General Provisions 453
5- Key AML/CFT Principles 454
6- General AML and CFT Responsibilities 454
7- Board of Directors 459
8- Money Laundering Reporting Officer [MLRO] 460
and Deputy
8.1 Appointment 460
8.2 Eligibility to be MLRO and Deputy 461
8.3 General Responsibilities of MLRO 461
8.4 Particular Responsibilities of MLRO & 462
Deputy
8.5 Reporting by MLRO to the Board 462
9- Risk Based Approach 464
9.1 Risk Based Approach – General 464
9.2 Assessment Methodology to mitigate ML/FT 465
threats
9.3 Risk profiling business relationship 465
10- Customer Risk 465
11- Product Risk 468

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11.1 Risk assessment of product risk 468

11.2 Policies & procedures for product risk 468
11.3 Products with fictitious, false or no names 468
11.4 Correspondent banking relationships 468
11.5 Shell Banks 470
11.6 Payable Through Accounts 470
11.7 Power of Attorney 471
11.8 Bearer shares and Share warrants to bearer 471
11.9 Wire transfers 471
11.10 Non-profit organization 473
12- Interface or delivery channel risk 474
12.1 Risk assessment for interface risk 474
12.2 Policies and procedures for interface risk 474
12.3 Non-face-to-face business relationship and 475
New Technology
12.4 Reliance on Third Party 475
13- Jurisdiction Risk 476
14- Know Your Customer (KYC) 478
14.1 General Principle of KYC 478
14.2 Customer Acceptance Policy and 478
procedures
14.3 Customer Due Diligence (CDD) – Basic 479
requirements
14.4 General requirements on extent of CDD 480
14.5 General requirements for on-going 480
monitoring
14.6 FIs unable to complete CDD procedure for 481
customer
14.7 Timing of customer due diligence 481
14.8 Circumstances when CDD may be 482
completed at a later stage
15- Customer Identification Documentation 482
16- Enhanced CDD and on-going monitoring 484
17- Simplified Customer due diligence 486

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18- Reporting 487

19- Tipping off 490
20- Screening and training requirements 491
21- Documents, Record Keeping and Retention 493
22-Internal & External Auditing 494
23-Sanctions 494
24-Approved forms to be used 494
25- Regulations effective from 494
A- Miscellaneous issues for guidance 494
B- Typologies 497
C- Guidance by International Bodies 498
Second: FATF Statement on AML and CFT 499
Third: Financial Information (FIU) Unit's Guidance 500
and STR Forms
Fourth: National Anti money laundering and Terrorism 501
Financing Committee Guidance on Mechanism to
revise matching of names, persons, and entities with
Security Council Sanctions Lists
Chapter Eleven: Qatar Exchange 502
1- Disclosure of Profit Distributions by Qatar 503
Exchange
2- Controls on Conducting Financial Brokerage 503
Activity in Qatar Exchange
3- Conducting Financial Brokerage Activity in 507
Qatar Exchange
Part Eight Other Instructions 509-517
First: Banks' Correspondences with QCB 510
1- Official Language for Correspondence 510
2- Regulating the banks' Correspondence with QCB 510
3- Response to Correspondences 512
Second: Banking Consumer Services Protection 513
Department
Third: The Law of the QCB and the Regulation of 514
Financial Institutions (Law no. (13) of 2012)

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Fourth: FIU Instructions 515

Fifth: Other Instructions 517
1- Ernst & Young Appointment (National Banks) 517
2- Delegation of Liaison Officer 517
3- Imposing Financial fines for delayed and 517
inaccurate data sent to QCB
Part Nine Qatar Credit Bureau 518-522
1- Compliance Officer Nomination 519
2- Appointment of Qatar Credit Bureau CEO and 519
the Approval of the Organizational Structure
3- Compliance officers cooperation with Ernest and 519
Young
4- “eDATE” program Installation and Application 519
5- Qatar Credit Bureau/Credit Reports: 520
6- Data Update/Concealment 521
7- Storage Devices 522
Part Ten Instructions 0f Financial Stability and Statistics 523-536
Instructions of Financial Stability and Statistics 524
Department
1- Data Relating to Financial Stability and 524
Statistics Department
A- Monthly Data 524
B- Quarterly Data 525
C- Consumer loans (Biannual Data) 525
2- Assignment of Liaison Officer in each Bank for 525
Coordination Purposes
3- Establishing Data Base at Financial Stability 525
Department for Banking System Employees in
Qatar (Biannually)
4- Accounts for Charity Purposes (Monthly) 526
5- Banking Lending Survey (Quarterly) 526
6- Transactions outside Qatar (National Banks) 526
(Quarterly)

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7- Financial Stability and Statistics Administrative 526

Structure
8- Stress Testing 526
Part Eleven Sanctions and Financial Penalties 537-554
First: Chapter 9 of The Law of the QCB and the 538
Regulation of Financial Institutions (Law no. (13) of
2012) regarding Sanctions and financial Penalties
A- First Chapter: Sanctions 538
B- Second Chapter: Financial Penalties 542
Second: Imposing Sanctions and Financial 543
Penalties
1- Impose Standard Financial Penalties 543
2- 543
2/1 Capital Adequacy of Foreign Branches 543
2/2 Real Estate Financing Controls 543
2/3 Credit against Salary 544
2/4 Finance by Tawaroq 544
2/5 Credit Risk Department 544
2/6 The Ratios of International Financing and 544

Real Estates Investments (for Islamic Banks)
2/7 Liquidity Ratio 545
2/8 Credit Ratio 545
2/9 Overdraft to Credit Facilities Ratio 546
2/10 The Ratio of the Assets in Foreign 547

Currencies to the Liabilities in Foreign
Currencies
3- Procedures for Repurchases Operations 547
(REPOs)
4- Required Reserve Ratio 547
5- Dividend Coupons and Payment Orders issued 548

by Banks and Companies

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6- Cheque Issuance, its Legal Form, and Cheques 548

with no Fund
7- Clearing at QCB 548
8- Fines for Electronic Clearing 548
9- Statistics of Balance of Payments 548
10- Non-Negotiable Cheque 549
11- Cash Dealing (Cash deposited at QCB) 549
12- Currency Counting Machines Upgrades 549

549
13- Mutilate Banknotes
14- Security Companies 549
15- Banking Systems Instructions (Banking 549

Electronic Instructions)
16- Overdraft Current Accounts (Islamic Banks) 551
17- Conditions and Documents for Credit 552

Agreement
18- Financing of Subscription in Capital of 552
Companies under Construction
19- Financing Customers’ Trade in Securities 552
552
20- Interest Risks on Loans
21- Credit Facilities granted to Governmental Bodies 552
and Entities
22-Using Personal Accounts for Commercial 552
Purposes - circular no. (225/2007)
23-Anti-money Laundering and Terrorism 552
Financing
24-Corporate Governance for Banks and Financial 553
Institutions
25- Inter-Bank Payments System 553
26-Modern Technology and Electronic Banking 553

Services Risks

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27- Commissions and Fees on Personal Banking 553

Accounts and Services
28- Imposing financial fine on delayed and 553
inaccurate data sent by banks
29-Circular no. (63/2011) dated 22/8/2011 553
(interest/return on credit against salary)
30- Bonuses given to Members of Board of 554
Directors
31- Controls and Ceilings on Bank Investments 554
32-Banks Main Registration Data 554

Part Twelve Periodical Data 555-576
First: Capital Adequacy Ratio 556
1- Basel II Capital Adequacy Ratio for National 556
Banks
2- Capital adequacy for Branches of Foreign Banks 556
computing or not computing Basel Capital
Adequacy Ratio at their H.O.
3- Approved Electronic System for Capital 557
Adequacy
4- Capital Adequacy Calculation Reports 557
5- Basel III: Item no. (5) in page no. (155) 557
6- Major Shareholders 557
Second: Credit and Financing Risk 559
1- Provisions for Credits Classified as Substandard,
Doubtful or Bad, and Financial Investment
Evaluation Forms
2- Debts Write off 559
3- Credit Concentrations 559
4- The Overdraft Accounts and the Overdrawn 561
Accounts (Commercial Banks)
5- Real Estate Financing Net Risk Ratio 562
Third: Bank's Investments and Credit Concentration 563
for Banks and Financial Institutions

29
Credit Concentrations for Banks and Financial 563

Institutions
Fourth: Banking Ratios and Indicators 564
1- Liquidity Ratio and Management 564
2- Credit Ratio 564
3- Overdraft to Credit Facilities Ratio 565
4- The Ratio of International Financing and Real 565
Estate Investments
5- Ratio of assets in Foreign Currencies to 566
Liabilities in Foreign Currencies
6- Cash Flows for Customer Deposits 567
Fifth: Customers' Investments 568
Sixth: Banking Credit Risk System 569
Seventh: End of Year Financial Statements and 570
Calculation and Distribution of Profits between
Depositors and Shareholders of Islamic Bank
1- Assets and Liabilities Monthly Statement 570
2- Consolidated Financial Statements 570
2/1 For Conventional Banks 570
2/2 For Islamic Banks 570
3- Calculation and Distribution of Profit between 570
Depositors and Shareholders of Islamic Banks
4- Financial Statements of Investment Funds 571
Eighth: Other Periodical Data 572
1- Main Data for Bank’s Registration 572
2- Obligatory Reserve Requirement 572
3- Monthly Movement of Defaulted Debts 572
4- Credit Risk System (updated credit risk 572
management system)
5- Financial Stability and Statistics Data 573
5/1 Monthly Data 573

30
5/2 Quarterly Data (as from the first Quarter of 574

2009)
5/3 Biannual Data 575
6- Consolidated Supervision Instructions on 575
National Banks, their External Branches and
Subsidiaries
7- Treatment of Bad Debits 576
8- Major Shareholders 576
9- Qatarization in the Banking System 576

31

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Instructions To Banks – September 2013

Fifteenth Edition September 2013

Primary Market of Government Bonds

Fifteenth Edition September 2013

17- Customers’ Data on Remittances, and Selling and 151

Fifteenth Edition September 2013

6- Guidance on Basel Capital Adequacy Pillar II 167

Fifteenth Edition September 2013

Fifteenth Edition September 2013

9- Overdrawn Current Accounts (Islamic 195

Fifteenth Edition September 2013

19/2 Rate of Interest or Return on Credit 213

Fifteenth Edition September 2013

Fifteenth Edition September 2013

Fourth: Trading in Foreign Exchange and Money 257

Fifteenth Edition September 2013

Liabilities in Foreign Currencies

Fifteenth Edition September 2013

Fifteenth Edition September 2013

3- Concentration Risks 301

Fifteenth Edition September 2013

2/6 Other Regulations and Instructions 325

Fifteenth Edition September 2013

4- Introducing New Type of Deposits 336

Fifteenth Edition September 2013

2/3 Neutrality and Independency 353

Fifteenth Edition September 2013

1/4 The QCB may license foreign financial 373

Fifteenth Edition September 2013

Ninth: Reporting on Extraordinary Cases to QCB 393

Fifteenth Edition September 2013

1- Method for Distributing Profits 430

Fifteenth Edition September 2013

20- Qatarization of Posts in The Banking 443

Fifteenth Edition September 2013

11.1 Risk assessment of product risk 468

Fifteenth Edition September 2013

18- Reporting 487

Fifteenth Edition September 2013

Fourth: FIU Instructions 515

Fifteenth Edition September 2013

7- Financial Stability and Statistics Administrative 526

2/1 Capital Adequacy of Foreign Branches 543

2/2 Real Estate Financing Controls 543

2/3 Credit against Salary 544

2/4 Finance by Tawaroq 544

2/5 Credit Risk Department 544

2/6 The Ratios of International Financing and 544

2/8 Credit Ratio 545

2/9 Overdraft to Credit Facilities Ratio 546

2/10 The Ratio of the Assets in Foreign 547

5- Dividend Coupons and Payment Orders issued 548

Fifteenth Edition September 2013

6- Cheque Issuance, its Legal Form, and Cheques 548

8- Fines for Electronic Clearing 548

9- Statistics of Balance of Payments 548

10- Non-Negotiable Cheque 549

11- Cash Dealing (Cash deposited at QCB) 549

12- Currency Counting Machines Upgrades 549

15- Banking Systems Instructions (Banking 549

17- Conditions and Documents for Credit 552

26-Modern Technology and Electronic Banking 553

Fifteenth Edition September 2013