• Banks Act, 1990 (Act No. 94 of 1990)
  • Notice No. 1597 of 1990
  • Act
  • Chapter I : Interpretation and Application of Act
    • 1. Definitions
    • 1A. Relationship between Act and Financial Sector Regulation Act
    • 2. Exclusions from application of Act
  • Chapter II : Administration of Act
    • 3. [Repealed] Office for Banks
    • 4. Registrar and Deputy Registrar of Banks
    • 5. Delegation of powers and assignment of functions by Registrar
    • 6. Powers of inspection of, and guidelines by, Registrar
    • 7. Furnishing of information by banks and controlling companies
    • 8. [Repealed] Power of Registrar to extend certain periods
    • 9. [Repealed] Review of decisions of Registrar
    • 10. [Repealed] Annual report by Registrar
  • Chapter III : Authorization to Establish, and Registration and Cancellation of Registration of, Banks
    • 11. Registration a prerequisite for conducting business of bank
    • 12. Application for authorization to establish bank
    • 13. Granting or refusal of application for authorization
    • 14. Revocation of authorization
    • 15. Formation of certain companies prohibited except with approval of Authority
    • 16. Application for registration as bank
    • 17. Granting or refusal of application for registration
    • 18. Conditions of registration
    • 18A. Branches of foreign institutions
    • 18B. Cancellation or suspension of authorization by Authority and notice by Authority of intention to cancel or suspend authorization
    • 19. [Repealed] Application for final registration as bank
    • 20. [Repealed] Granting or refusal of application for final registration
    • 21. Untrue information in connection with applications
    • 22. Use of name of bank
    • 23. Cancellation or suspension of registration by Registrar
    • 24. Notice by Registrar of intention to cancel or suspend registration
    • 25. Cancellation or suspension of registration by court
    • 26. Restriction by Registrar of activities of bank
    • 27. Cancellation of registration at request of bank
    • 28. Cancellation of registration upon winding-up
    • 29. Withdrawal of suspension or restriction
    • 30. Publication of information relating to banks, controlling companies, eligible institutions and representative offices of foreign institutions and the keeping of records by the Authority
    • 31. Date on which registration lapses
    • 32. Repayment of deposits upon lapse of registration
    • 33. Reregistration in terms of this Act
    • 33A. Reregistration after commencement of Banks Amendment Act, 1994
    • 34. Representative offices of foreign institutions
    • 35. Annual licence
  • Chapter IV : Shareholding in, and Registration of Controlling Companies in respect of, Banks
    • 36. [Repealed] Restriction on shareholding in banks and controlling companies
    • 37. Permission for acquisition of shares in bank or controlling company
    • 38. Registration of shares in name of nominees
    • 39. Furnishing of information by shareholders
    • 40. Absence of wrongful intent
    • 41. Effects of registration of shares contrary to Act
    • 42. Restriction of right to control bank
    • 43. Application for registration as controlling company
    • 44. Granting or refusal of application for registration as controlling company
    • 45. Cancellation by Registrar of registration of controlling company
    • 46. Cancellation by court of registration of controlling company
    • 47. Cancellation of registration at request of controlling company
    • 48. Lapse of registration of controlling company upon cancellation of registration of bank
    • 49. Date on which registration of controlling company lapses
    • 50. Investments and loans and advances by controlling companies
  • Chapter V : Functioning of Banks and Controlling Companies with reference to Companies Act
    • 51. Application of Companies Act to banks and controlling companies
    • 52. Subsidiaries, branch offices, other interests and representative offices of banks and controlling companies
    • 53. Disclosure by banks and controlling companies of interest in subsidiaries, trusts and other undertakings
    • 54. Amalgamations, mergers and arrangements
    • 55. Reconstruction within group of companies
    • 56. Alteration of memorandum of incorporation, and change of name
    • 57. Alteration of memorandum of association or articles of association in accordance with direction of Authority
    • 58. Information regarding directors and officers
    • 59. Returns regarding shareholders
    • 60. Directors and officers of a bank or controlling company
    • 60A. Compliance function
    • 60B. Corporate governance
    • 61. Appointment of auditor
    • 62. Appointment of auditor by Registrar
    • 63. Functions of auditor in relation to Registrar
    • 64. Audit committee
    • 64A. Risk and capital management committee
    • 64B. Directors' affairs committee
    • 64C. Remuneration committee
    • 65. Forwarding of certain notices, reports, returns and financial statements to Authority
    • 66. Disclosure of issued share capital
    • 67. Disclosure of names of certain shareholders
    • 68. [Repealed] Special provisions relating to winding-up or judicial management of bank
    • 69. [Repealed] Appointment of curator to bank
    • 69A. [Repealed] Investigation of affairs of bank under curatorship
  • Chapter VI : Prudential Requirements
    • 70. Minimum share capital and unimpaired reserve funds
    • 70A. Minimum capital and reserve funds in respect of banking group
    • 71. [Repealed] Minimum reserve balance
    • 72. Minimum liquid assets
    • 73. Concentration risk
    • 74. Failure or inability to comply with prudential requirements
    • 75. Returns
  • Chapter VII : Provisions relating to aspects of the Conduct of the Business of a Bank
    • 76. Restriction on investments in immovable property and shares, and on loans and advances to certain subsidiaries
    • 77. Restriction on investments with, and loans and advances to, certain associates
    • 78. Undesirable practices
    • 79. Shares, debentures, negotiable certificates of deposit, share warrants and promissory notes or similar instruments
    • 80. Limitation on certain activities of banks
  • Chapter VIII : Control of certain activities of Unregistered Persons
    • 81. Order prohibiting anticipated or actual contraventions of certain provisions of Act
    • 82. Registrar's power to exact information from unregistered persons
    • 83. Repayment of money unlawfully obtained
    • 84. Management and control of repayment of money unlawfully obtained
  • Chapter IX : General Provisions
    • 85. Certification of returns and other documents
    • 85A. Approval of eligible institutions
    • 85B. Verification of information
    • 86. Inspection, copies and keeping of documents
    • 87. Minors and married women as depositors
    • 88. Limitation of liability
    • 89. Furnishing of information by Registrar
    • 89A. Fair administrative action
    • 90. Regulations
    • 91. Offences and penalties
    • 91A. Power of Registrar to impose penalty
    • 92. Review of Act
    • 93. Interpretation of certain references in existing laws and in other documents
    • 94. Amendment of section 3 of Act 61 of 1973, as amended by section 106 of Act 82 of 1986
    • 95. Repeal of laws, and savings
    • 96. Short title and commencement
  • Schedule
    • Laws Repealed
• Regulations
  • Conditions for the conducting of the business of a Bank by a Foreign Institution by means of a branch in the Republic
    • Notice No. R. 1 of 2008
    • 1. Conditions for the conducting of the business of a Bank by a Foreign Institution by means of a branch in the Republic
    • 2. Failure or inability to comply with the provisions of these Regulations
    • 3. Commencement
  • Regulations relating to Banks' Financial Instrument Trading
    • Notice No. R. 1058 of 1998
    • Chapter 1 : Definitions
      • 1. Definitions
    • Chapter 2 : General
      • 2. Capital
      • 3. Interest-rate swaps
      • 4. Netting
      • 5. Repurchase agreements
      • 6. Specific and general risk
      • 7. Stock position
      • 8. Trading book: capital requirements
      • 9. Applicability to mutual banks
    • Chapter 3 : Capital
      • 10. Capital-adequacy requirement returns
      • 11. Capital-adequacy requirements relating to trading books of banks
    • Chapter 4 : Position Risk
      • 12. Principles of calculation
      • 13. Calculation of position risk: standardised methods
      • 14. Method 1: Calculation of position risk-requirement in terms of simplified method
      • 15. Method 2: Calculation of position risk: building-block method
      • 16. Treatment of options
      • 17. Simplified approach
      • 18. Delta-plus approach
    • Chapter 5 : Counterparty Risk
      • 19. Explanatory terms for purposes of calculation of counterparty risk
      • 20. Exceptions
      • 21. Calculation of counterparty-risk requirement
    • Chapter 6 : Large Exposures
      • 22. Large-exposure requirements ("LER")
      • 23. Calculations
    • Chapter 7 : Use of Internal Mode
      • 24. General criteria
      • 25. Qualitative standards
      • 26. Specification of market-risk factors
      • 27. Quantitative standards
      • 28. Stress testing
      • 29. External validation
      • 30. Combination of internal models and the standardised methodology
    • Chapter 8 : Reporting
      • 31. General
      • 32. Risk-based returns
      • 33. Directives pertaining to reporting of information pertaining to trading activities
      • 34. Short title and commencement
  • Regulations relating to Representative Offices
    • Notice No. R. 1370 of 2001
    • 1. Definitions
    • 2. Operational information
    • 3. Management
    • 4. Material changes
    • 5. Financial statements
    • 6. Failure or inability to comply with the provisions of these Regulations
    • 7. Commencement
    • Annexures A to D
  • Regulations relating to Banks
    • Notice No. R. 1029 of 2012
    • Chapter I : Basis of Regulations 
      • 1. Objective of Regulations and completeness of information
      • 2. Management accounts as basis for the completion of returns
      • 3. Financial Reporting Standards
      • 4. Certification and rendition of returns
      • 5. Failure or inability to comply with the provisions of the Regulations
      • 6. General
    • Chapter II : Financial, Risk-based and other related Returns and Instructions, Directives and Interpretations relating to the completion thereof
      • 7. List of forms prescribed in respect of financial,  risk-based and other related returns to be submitted to the Registrar with indication of institution by which, intervals at which and period within which returns shall be submitted
        • Form BA 099
        • Form BA 099A
      • 8. Calculation of averages
      • 9. Gross balances
      • 10. Maturity classification
      • 11. Reference to line item numbers
      • 12. Revaluation surplus ranking as common equity tier 1 or additional tier 1 unimpaired reserve funds
      • 13. Set-off
      • 14. Trading activities
      • 15. Accrued interest and amounts
      • 16. Cash-management schemes
      • 17. Assets sold or acquired in terms of a repurchase or resale agreement
      • 18. Balance sheet
        • Form BA 100
          • Form BA 100 (page 1)
          • Form BA 100 (page 2)
          • Form BA 100 (page 3)
          • Form BA 100 (page 4)
          • Form BA 100 (page 5)
          • Form BA 100 (page 6)
        • Directives and interpretations for completion of monthly balance sheet (Form BA 100)
      • 19. Off-balance sheet activities
        • Form BA 110
        • Directives and interpretations for completion of monthly off-balance sheet activities (Form BA 110)
      • 20. Income statement
        • Form BA 120
          • Form BA 120 (page 1)
          • Form BA 120 (page 2)
          • Form BA 120 (page 3)
          • Form BA 120 (page 4)
        • Directives and interpretations for completion of monthly income statement (Form BA 120)
      • 21. Return regarding shareholders
        • Form BA 125
        • Directives and interpretations for completion of the annual return concerning shareholders of a bank/controlling company (Form BA 125)
      • 22. Investments, loans and advances
        • Form BA 130
        • Directive and interpretations for completion of the quarterly return concerning investments, loans and advances (Form BA 130)
      • 23. Credit risk: monthly return
        • Form BA 200
          • Form BA 200 (page 1)
          • Form BA 200 (page 2)
          • Form BA 200 (page 3)
          • Form BA 200 (page 4)
          • Form BA 200 (page 5)
          • Form BA 200 (page 6)
          • Form BA 200 (page 7)
          • Form BA 200 (page 8)
          • Form BA 200 (page 9)
          • Form BA 200 (page 10)
          • Form BA 200 (page 11)
          • Form BA 200 (page 12)
          • Form BA 200 (page 13)
          • Form BA 200 (page 14)
          • Form BA 200 (page 15)
          • Form BA 200 (page 16)
          • Form BA 200 (page 17)
          • Form BA 200 (page 18)
          • Form BA 200 (page 19)
          • Form BA 200 (page 20)
          • Form BA 200 (page 21)
          • Form BA 200 (page 22)
          • Form BA 200 (page 23)
          • Form BA 200 (page 24)
          • Form BA 200 (page 25)
          • Form BA 200 (page 26)
          • Form BA 200 (page 27)
        • Directives and interpretations for completion of monthly return concerning credit risk (Form BA 200)
          • Subregulations (1) to (4)
          • Subregulation (5) Calculation of credit risk exposure: standardised approach
          • Subregulation (6) Method 1: Calculation of credit risk exposure in terms of the simplified standardised approach
          • Subregulation (7) Credit risk mitigation: simplified standardised approach
          • Subregulation (8) Method 2: Calculation of credit risk exposure in terms of the standardised approach
          • Subregulation (9) Credit risk mitigation: standardised approach
          • Subregulation (10) Calculation of credit risk exposure: IRB approach
          • Subregulation (11) Method 1 : Calculation of credit risk exposure in terms of the foundation IRB approach
            • Subregulation (11)(a)
            • Subregulation (11)(b) Minimum requirements
            • Subregulation (11)(c) Categorisation of exposures
            • Subregulation (11)(d) Risk-weighted exposure
            • [Deleted] Subregulation (11)(e) Securitisation or resecuritisation exposure: rating-based approach
            • [Deleted] Subregulation (11)(f) Securitisation exposure: conditions relating to an inferred rating
            • Subregulation (11)(g) Securitisation exposure: internal assessment approach
            • Subregulation (11)(h) Securitisation exposure: conditions relating to a bank's internal assessment process
            • [Deleted] Subregulation (11)(i) Securitisation exposure: risk-weighted exposure calculated in terms of the standard formula approach
            • [Deleted] Subregulation (11)(j) Securitisation exposure: calculation of IRB capital requirement relating to a specific tranche
            • Subregulation (11)(k) Securitisation exposure: SEC-IRBA
            • Subregulation (11)(l) Securitisation exposure: Definition of attachment point A and detachment point D
            • Subregulation (11)(m) Securitisation exposure: Formulation of supervisory parameter (p)
            • Subregulation (11)(n) Securitisation exposure: matters relating to effective number of exposures, denoted by N
            • Subregulation (11)(o) Securitisation exposure: Calculation of risk weight
            • Subregulation (11)(p) Securitisation exposures subject to an early amortisation mechanism
            • Subregulation (11)(q) Risk weighted exposure equivalent to a deduction against capital and reserve funds
          • Subregulation (12) Credit risk mitigation: foundation IRB approach
            • Subregulation (12)(a) On-balance-sheet netting
            • Subregulation (12)(b) Collateral
            • Subregulation (12)(c) Pools of collateral
            • Subregulation (12)(d) Guarantees
            • Subregulation (12)(e) Credit-derivative instruments
            • Subregulation (12)(f) Maturity mismatches
            • Subregulation (12)g) Double default
          • Subregulation (13) Method 2: Calculation of credit-risk exposure in terms of the advanced IRB approach
            • Subregulation (13)(a)
            • Subregulation (13)(b) Minimum requirements
            • Subregulation (13)(c) Categorisation of exposures
            • Subregulation (13)(d) Risk-weighted exposure
            • Subregulation (13)(e) Risk-weighted exposure equivalent to a deduction against capital and reserve funds
          • Subregulation (14) Credit-risk mitigation: advanced IRB approach
            • Subregulation (14)(a) On-balance-sheet netting
            • Subregulation (14)(b) Collateral
            • Subregulation (14)(c) Guarantees
            • Subregulation (14)(d) Credit-derivative instruments
            • Subregulation (14)(e) Maturity mismatches
            • Subregulation (14)(f) Double default
          • Subregulation (15) Counterparty credit risk exposure and matters related thereto
            • Subregulation (15)(a)
            • Subregulation (15)(b)
            • Subregulation (15)(c) Matters relating to minimum required capital and reserve funds for CVA risk
            • Subregulation (15)(d) Matters related to the calculation of the aggregate amount of required capital and reserve funds
          • Subregulation (16) Exposure to Central Counterparties and matters related thereto
          • Subregulation (17) Margin requirements for non-centrally cleared derivative instruments and matters related thereto
          • Subregulation (18) Calculation of counterparty credit exposure or EAD in terms of the standardised approach
            • Subregulation (18)(a) Matters relating to the exposure amount or EAD
            • Subregulation (18)(b) Further matters relating to the size and sign of an exposure amount or EAD
            • Subregulation (18)(c) Matters relating to hedging sets
            • Subregulation (18)(d) Matters relating to credit conversion factors
          • Subregulation (19) Calculation of counterparty credit exposure in terms of the internal model method
            • Subregulation (19)(a) Matters relating to the exposure amount or EAD, and matters related thereto
            • Subregulation (19)(b) Matters relating to own estimates of alpha
            • Subregulation (19)(c) Matters relating to effective maturity
            • Subregulation (19)(d) Matters relating to cross-product netting
            • Subregulation (19)(e) Matters relating to margin agreements
            • Subregulation (19)(f) Matters relating to model validation and operational requirements
            • Subregulation (19)(g) Matters related to minimum required capital and reserve funds for default risk
            • Subregulation (19)(h) Matters related to minimum required capital and reserve funds for credit valuation adjustments (CVA) for a bank that obtained approval for the internal model method for the measurement of the bank's exposure to counterparty credit risk and the internal models approach for the measurement of specific risk as part of the bank's exposure to market risk
          • Subregulation (20) Specific matters relating to delivery--versus-payment transactions, and non-delivery-versus-payment or free-delivery transactions
          • Subregulation (21) Expected loss
          • Subregulation (22) Credit impairment
          • Subregulation (23) Instructions relating to the completion of the monthly form BA200 are furnished with reference to the headings and item descriptions of specified columns and line items appearing on form BA200
            • Items relating to the summary of selected credit risk related information: standardised approach
            • Columns relating to summary of on-balance-sheet and off-balance-sheet credit exposure: standardised approach, items 14 to 34
            • Items relating to reconciliation of credit impairment: standardised approach
            • Columns relating to credit capital requirements based on risk weights: standardised approach, items 47 to 69
            • Columns relating to counterparty credit risk  based on specified risk weights: standardised approach, items 80 to 86
            • Columns relating to counterparty credit risk analysis of standardised CVA risk weighted exposure: standardised approach, items 87 to 94
            • Columns relating to analysis of central counterparty trade exposure: standardised approach,
              items 95 to 98
            • Columns relating to analysis of central counterparty trade exposure: standardised approach, items 100 to 103
            • Columns relating to analysis of non-qualifying central counterparty default fund guarantees: standardarised approach, items 101 and 102
            • Items relating to summary of selected credit risk related information: IRB approach
            • Columns relating to summary of on-balance-sheet and off-balance-sheet credit exposure: IRB approach, items 124 to 151
            • Columns relating to capital requirement in respect of specialised lending subject to specified risk weights and specified risk grades: IRB approach, items 152 to 161
            • Items relating to reconciliation of credit impairments: IRB approach
            • Columns relating to analysis of past due exposure (EAD): IRB approach, items 219 to 246
            • Columns relating to counterparty credit risk: IRB approach, items 247 to 275
            • Items relating to counterparty credit risk analysis of netting: IRB approach
            • Columns relating to counterparty credit risk analysis of standardised CVA risk weighted exposure: IRB approach, items 277 to 284
            • Columns relating to analysis of central counterparty trade exposure: IRB approach, items 285 to 288
            • Columns relating to analysis of qualifying central counterparty default fund guarantees: IRB approach, items 289 and 290
            • Columns relating to analysis of non-qualifying central counterparty default fund guarantees: IRB approach, items 291 and 292
            • Columns relating to analysis of performing credit exposure, that is, EAD, analysed by effective maturity, items 308 to 320
      • 24. Credit risk: quarterly return
        • Form BA 210
        • Directive and interpretations for completion of the quarterly return concerning credit risk (Form BA 210)
          • Subregulation (1) to (3)
          • Subregulation (4) Matters relating to valuation of security/collateral
          • Subregulation (5) 
          • Subregulation (6) Matters related to concentration risk, primarily credit concentration risk
          • Subregulation (7) Prescribed percentages and amounts relating to specified concentration risk
          • Subregulation (8) Matters related to exempt exposure
          • Subregulation (9) Matters specifically related to connected lending or lending to a related person
          • Subregulation (10) 
            • Columns relating to credit risk mitigation: standardised approach, items 1 to 21
            • Columns relating to restructured credit exposure: standardised approach, items 22 to 42
            • Items relating to credit risk classification and impairment: standardised approach
            • Columns relating to credit risk classification and impairment: standardised approach, items 43 to 63
            • Items relating to credit concentration risk - large exposure to a person: standardised approach
            • Columns relating to credit concentration risk - large exposure to a person: standardised approach, items 64 to 77
            • Items relating to credit concentration risk - sectoral distribution: standardised approach
            • Columns relating to credit concentration risk - sectoral distribution: standardised approach, items 78 to 94
            • Items relating to credit concentration risk - Herfindahl-Hirschman Index (HHI): standardised approach
            • Columns relating to credit concentration risk - geographical distribution: standardised approach, items 118 to 174
            • Columns relating to credit concentration risk - 20 largest exposures in debt and with equity exposure: standardised approach, items 194 to 214
            • Columns relating to watch list: standardised approach, items 215 to 228
            • Columns relating to credit risk mitigation: IRB approach, items 229 to 256
            • Columns relating to restructured credit exposure: IRB approach, items 257 to 284
            • Items relating to credit concentration risk - large exposure to a person: IRB approach
            • Columns relating to credit concentration risk - large exposure to a person: IRB approach, items 285 to 300
            • Items relating to credit concentration risk - sectoral distribution: IRB approach
            • Columns relating to credit concentration risk - sectoral distribution: IRB approach, items 301 to 317
            • Items relating to credit concentration risk - Herfindahl-Hirschman Index (HHI): IRB approach
            • Columns relating to credit concentration risk - geographical distribution: IRB approach, items 341 to 397
            • Columns relating to credit concentration risk - 20 largest exposures in debt and with equity exposure: IRB approach, items 417 to 437
            • Columns relating to watch list: IRB approach, items 438 to 452
      • 25. Credit risk: six monthly return
        • Form BA 220
        • Directives and interpretations for completion of the six-monthly return concerning credit risk (Form BA 220)
      • 26. Liquidity risk
        • Form BA 300
        • Directives and interpretations for completion of monthly return concerning liquidity risk (Form BA 300) 
          • Subregulation (1) to (6) 
          • Subregulation (7) 
          • Subregulation (8) Matters relating to a bank's contractual balance sheet position
          • Subregulation (9) Matters relating to a bank's business as usual balance sheet mismatch
          • Subregulation (10) Matters relating to a bank-specific stress mismatch
          • Subregulation (11) Matters relating to potential concentration of funding
          • Subregulation (12) Matters related to the calculation of a bank's liquidity coverage ratio (LCR)
            • Subregulation (12)(a) Specified minimum requirements
            • Subregulation (12)(b) Specific matters related to level one and level two high-quality liquid assets
            • Subregulation (12)(c) Matters related to the calculation of a bank's relevant amount of net cash outflow
            • Subregulation (12)(d) Matters related to the calculation of a bank's total expected cash outflows
            • Subregulation (12)(e) Matters related to the calculation of a bank's total expected cash inflows
            • Subregulation (12)(f) Formulae for the calculation of LCR
          • Subregulation (13) Available sources of stress funding and related matters
          • Subregulation (14) Matters related to the calculation of a bank's net stable funding ratio
          • Subregulation (15) Matters relating to a bank's foreign exchange contractual maturity ladder
          • Subregulation (16)
          • Subregulation (17)
      • 27. Minimum reserve balance and liquid assets
        • Form BA 310
        • Directives and interpretations for completion of monthly return concerning minimum reserve balance and liquid assets (Form BA 310)
      • 28. Market risk
        • Form BA 320 - Market risk (position risk)
          • Form BA 320 (page 1)
          • Form BA 320 (page 2)
          • Form BA 320 (page 3)
          • Form BA 320 (page 4)
          • Form BA 320 (page 5)
          • Form BA 320 (page 6)
          • Form BA 320 (page 7)
        • Directives and interpretations for completion of monthly return concerning market risk (Form BA 320)
          • Subregulations (1) to (2)
          • Subregulation (3) 
          • Subregulation (4) 
          • Subregulation (5) Combination of the internal models approach and the standardised approach
          • Subregulation (6) 
          • Subregulation (7) Method 1: standardised approach 
            • Subregulation (7)(a)
            • Subregulation (7)(b) Matters relating to debt securities and other interest rate related instruments
              • Subregulation (7)(b)(i)
              • Subregulation (7)(b)(ii) Matters relating to specific risk
              • Subregulation (7)(b)(iii) Matters relating to general risk
              • Subregulation (7)(b)(iv) Matters relating to interest rate derivative instruments
            • Subregulation (7)(c) Matters relating to equity instruments and equity position risk
            • Subregulation (7)(d) Matters relating to foreign exchange risk, including gold
            • Subregulation (7)(e) Matters relating to commodity risk
            • Subregulation (7)(f) Matters relating to options
            • Subregulation (7)(g) 
          • Subregulation (8) Method 2: Internal models approach
            • Subregulation (8)(a)
            • Subregulation (8)(b)
            • Subregulation (8)(c) Qualitative requirements
            • Subregulation (8)(d) Matters relating to the specification of relevant market risk factors
            • Subregulation (8)(e)
            • Subregulation (8)(f) Specific matters relating to stress testing
            • Subregulation (8)(g) Matters relating to external validation 
            • Subregulation 8(h) Matters specifically related to the treatment of specific risk
      • 29. Daily return: selected risk exposure arising from trading and treasury activities
        • Form BA 325 : Daily Report: Selected Risk Exposure
        • Directives and interpretations for completion
      • 30. Interest-rate risk: Banking book
        • Form BA 330 : Interest rate risk: banking book
        • Directives and interpretations for completion of monthly return concerning interest-rate risk (Form BA 330
      • 31. Equity risk in the banking book
        • Form BA 340
        • Directives and interpretations for completion of monthly return concerning equity risk in the banking book (Form BA 340)
      • 32. Derivative instruments
        • Form BA 350 : Derivative instruments
          • Form BA 350 (page 1)
          • Form BA 350 (page 2)
          • Form BA 350 (page 3)
          • Form BA 350 (page 4)
          • Form BA 350 (page 5)
        • Directives and interpretations for completion of monthly return concerning derivative instruments (Form BA 350)
      • 33. Operational risk: six-monthly return
        • Form BA 400 : Operational risk
          • Form BA 400 (page 1)
          • Form BA 400 (page 2)
        • Directives and interpretations for completion of six-monthly return concerning operational risk (Form BA 400)
          • Subregulations (1) to (6)
          • Subregulation (7) Basic indicator approach
          • Subregulation (8) Standardised approach and alternative standardised approach
          • Subregulation (9) Advanced measurement approach
            • Subregulation (9)(a) to (c) 
            • Subregulation (9)(d) Qualifying criteria
              • Subregulation (9)(d)(i)
              • Subregulation (9)(d)(ii)
              • Subregulation (9)(d)(iii)
              • Subregulation (9)(d)(iv)
              • Subregulation (9)(d)(v)
              • Subregulation (9)(d)(vi)
              • Subregulation (9)(d)(vii)
              • Subregulation (9)(d)(viii)
            • Subregulation (9)(e)
            • Subregulation (9)(f) Eligible risk mitigation
          • Subregulation (10) Instructions relating to the completion of the return are furnished with reference to certain item descriptions and line item numbers appearing on the form BA 400
      • 34. Operational risk: six-monthly return
        • Form BA 410 : Operational risk
        • Operational risk - Directives and interpretations for completion of quarterly return concerning operational risk (Form BA 410)
      • 35. Securitisation schemes and related exposure
        • Form BA 500 : Securitisation exposures
        • Directives and interpretations for completion of the monthly return concerning securitisation schemes (Form BA 500)
          • Subregulations (1) to (6)
          • Subregulation (7)
      • 36. Consolidated supervision: consolidated return
        • Form BA 600
        • Matters relating to consolidated supervision including directives and interpretations for completion of quarterly consolidated return (Form BA 600)
          • Subregulations (1) and (2)
          • Subregulation (3)
          • Subregulations (4) and (5)
          • Subregulation (6)
          • Subregulation (7)
          • Subregulation (8)
          • Subregulation (9)
          • Subregulation (10)
          • Subregulation (11)
          • Subregulation (12) Foreign owned banks
          • Subregulation (13) Exemption or exclusion from consolidation
          • Subregulation (14) Credit concentration risk and related matters
          • Subregulation (15) and (16)
          • Subregulation (17) Matters related to corporate governance, risk management and internal controls
          • Subregulation (18) Matters specifically related to solo consolidation
          • Subregulation (19) Instructions relating to the completion of the return are furnished with reference to certain item descriptions and line item numbers appearing on the form BA 600
      • 37. Consolidated supervision: foreign operations of South African Banks
        • Form BA 610
        • Matters relating to consolidated supervision including directives and interpretations for completion of quarterly return concerning foreign operations of South African banks (Form BA 610)
      • 38. Capital Adequacy, Leverage and TLAC
        • Form BA 700 - Capital Adequacy, Leverage and TLAC
        • Capital Adequacy, Leverage and TLAC - Directives and interpretations for completion of monthly return concerning capital adequacy, leverage and TLAC (Form BA 700)
          • Subregulation (1)
          • Subregulation (2)
          • Subregulation (3)
          • Subregulation (4)
          • Subregulation (5) Matters related to adjustment to or adjustments from capital and reserve funds
          • Subregulation (6) Conditions relating to external credit assessment in respect of a securitisation scheme or resecuritisation exposure
          • Subregulation (7) Conditions relating to the calculation of minimum required capital and reserve funds in respect of a securitisation scheme or resecuritisation exposure, and related matters
          • Subregulation (8) Minimum required capital and reserve funds
          • Subregulation (9) Qualifying capital and reserve funds and related matters
          • Subregulation (10) Matters related to TLAC
          • Subregulation (11) Conditions for issue of instruments or shares of which the proceeds rank as common equity tier 1 capital and/or additional tier 1 capital
          • Subregulation (12) Conditions for the issue of instruments or shares of which the proceeds rank as tier 2 capital
          • Subregulation (13) Tier 2 unimpaired reserve funds
          • Subregulation (14) Matters related to specified minority interests, that is, non-controlling interests, in shares and/or instruments issued out of consolidated subsidiaries that is held by third parties, qualifying as capital
          • Subregulation (15) Matters related to leverage
          • Subregulation (16) Matters related to the repayment of capital and specified reductions in
            reserve funds
          • Subregulation (17) Instructions relating to the completion of the form BA 700 are furnished with reference to the headings and item descriptions of certain columns and line item numbers appearing on the form BA 700
    • Chapter III : Corporate Governance
      • 39. Process of corporate governance
        • Subregulations (1) and (2)
        • Subregulation (3)
        • Subregulation (4)
        • Subregulation (5)
        • Subregulation (6)
        • Subregulation (7)
        • Subregulation (8)
        • Subregulation (9) Counterparty credit risk: operational requirements relating to the use test
        • Subregulation (10) Counterparty credit risk: operational requirements relating to stress testing
        • Subregulation (11) Counterparty credit risk: operational requirements relating to the identification of wrong-way risk
        • Subregulation (12) Counterparty credit risk: further operational requirements relating to internal controls and the integrity of the bank's modelling process
        • Subregulation (13)
        • Subregulation (14)
        • Subregulation (15)
        • Subregulation (16)
        • Subregulation (17) to (20)
      • 40. Guidelines relating to conduct of directors
      • 41. Composition of the board of directors of a bank or controlling company
      • 42. Statement relating to attributes of serving or prospective directors or executive officers
        • Subregulations (1) and (2)
        • Form BA 020 : Statement by individuals who are holding , or are proposing to hold the office of a director or executive officer of a bank or controlling company
          • Form BA 020 (page 1)
          • Form BA 020 (page 2)
          • Form BA 020 (page 3)
          • Form BA 020 (page 4)
          • Form BA 020 (page 5)
          • Form BA 020 (page 6)
          • Declaration
          • Declaration by Chairperson / Auditor
      • 43. Public disclosure
        • Subregulation (1)
        • Subregulation (2)
          • Subregulation (2)(a)
          • Subregulation (2)(b)
          • Subregulation (2)(c)
          • Subregulation (2)(d)
          • Subregulation (2)(e)
            • Subregulation (2)(e)(i) Credit risk
            • Subregulation (2)(e)(ii) Market risk
            • Subregulation (2)(e)(iii) Liquidity risk
            • Subregulation (2)(e)(iv) Interest-rate risk
            • Subregulation (2)(e)(v) Operational risk
            • Subregulation (2)(e)(vi) Securitisation or resecuritisation
            • Subregulation (2)(e)(vii) Other material risks to which the bank is exposed
          • Subregulation (2)(f)
          • Subregulation (2)(g)
        • Subregulation (3)
      • 44. Annual financial statements
      • 45. Consolidated financial statements
      • 46. Audit reports
      • 47. Reportable offences
      • 48. Internal audit
      • 49. Compliance function
      • 50. Market abuse and financial crime
      • 51. Eligible institutions
    • Chapter IV : Application Procedures
      • 52. Application forms and certificates of registration
      • 53. List of forms prescribed in respect of notices, applications, certificates and declarations under these Regulations
      • 54. Review procedure
        • Review procedure
        • Forms
          • Form BA 001 : Notice of review
          • Form BA 002 : Application for authorisation to establish a bank or branch or registration as a bank or branch
            • Form BA 002 (page 1)
            • Form BA 002 (page 2)
            • Form BA 002 (page 3)
            • Form BA 002 (Annexure)
          • Form BA 003 : Certificate of registration as a bank
          • Form BA 004 : Application for registration as a controlling company
            • Form BA 004 (page 1)
            • Form BA 004 (page 2)
          • Form BA 005 : Certificate of registration as a controlling company
          • Form BA 006 : Application for approval of appointment of auditor(s)
            • Form BA 006 (page 1)
            • Form BA 006 (page 2)
            • Form BA 006 (page 3) : Part A
            • Form BA 006 (page 4)
            • Form BA 006 (page 5)
            • Form BA 006 (page 6) : Part B
            • Form BA 006 (page 7)
            • Form BA 006 (page 8)
            • Form BA 006 Declaration
          • Form BA 007 Application for permission to acquire shares in a bank/controlling company
      • 55. Application for permission to acquire shares in a bank or controlling company
        • Application for permission to acquire shares in a bank or controlling company
        • Forms
          • Form BA 008 : Certificate of change of name
          • Form BA 009 : Certificate of authorisation for the conducting of the business of a bank by a foreign institution by means of a branch in the Republic of South Africa
          • Form BA 010 : Certificate of authorisation for the establishment of a representative office
      • 56. Application for permission to acquire or establish subsidiaries, joint ventures, branch offices, divisions, other interests and representative offices of banks or controlling companies
        • Application for permission to acquire or establish subsidiaries etc
        • Forms
          • Form BA 021 : Annual licence for a representative office
          • Form BA 022 : Annual licence for a bank
          • Form BA 023 : Annual licence for a branch
      • 57. Application for permission to sell immovable property
    • Chapter V : Prescribed Fees
      • 58. Fees payable
      • 59. Manner of payment of fees
      • 60. Annual licence
    • Chapter VI : Information required by the Registrar and the Economic Research and Statistics Department of the Reserve Bank
      • 61. List of forms prescribed in respect of returns to be submitted to the Registrar, with indication of institution by which, intervals at which and period within which returns shall be submitted
      • 62. Institutional and maturity breakdown of liabilities and assets
        • Form BA 900
          • Form BA 900 (page 1)
          • Form BA 900 (page 2)
          • Form BA 900 (page 3)
          • Form BA 900 (page 4)
          • Form BA 900 (page 5)
          • Form BA 900 (page 6)
          • Form BA 900 (page 7)
          • Form BA 900 (page 8)
          • Form BA 900 (page 9)
          • Form BA 900 (page 10)
          • Form BA 900 (page 11)
          • Form BA 900 (page 12)
          • Form BA 900 (page 13)
          • Form BA 900 (page 14)
          • Form BA 900 (page 15)
          • Form BA 900 (page 16)
          • Form BA 900 (page 17)
          • Form BA 900 (page 18)
          • Form BA 900 (page 19)
          • Form BA 900 (page 20)
          • Form BA 900 (page 21)
          • Form BA 900 (page 22)
        • Directives and interpretations for completion of monthly return concerning institutional and maturity breakdown of liabilities and assets (Form BA 900)
          • Subregulations (1) to (5)
          • Subregulation (6)
          • Subregulation (7)
            • Columns relating to liabilities, tables 1 and 2
            • Columns relating to liabilities, tables 3 and 4
            • Column relating to equity, table 5
            • Line items relating to liabilities and equity, tables 1 to 5
            • Columns relating to assets, tables 6 to 14
            • Line items relating to assets, tables 6 to 14
            • Line items relating to contingent liabilities and other risk exposure, table 15
            • Columns relating to selected items, table 16
            • Line item relating to selected items, table 16
            • Columns relating to securitisation activity, table 17
            • Line item relating to securitisation activity, table 17
            • Columns relating to assets temporarily acquired, table 18
            • Line items relating to assets temporarily acquired, table 18
            • Columns relating to assets lent to other parties, table 19
            • Line item relating to assets lent to other parties, table 19
            • Columns relating to flows in respect of selected liability and asset items, tables 20 and 21
          • Subregulation (8)
            • Assets
            • Liabilities
            • Equity
            • Contingent liabilities and other risk exposure
      • 63. Analysis of instalment sale transactions, leasing transactions and selected assets
        • Form BA 920
          • Form BA 920 (page 1)
          • Form BA 920 (page 2)
          • Form BA 920 (page 3)
          • Form BA 920 (page 4)
        • Directives and interpretations for completion of the quarterly return concerning analysis of instalment sale transactions, leasing transactions and selected assets (Form BA 920)
          • Subregulations (1) to (3)
          • Subregulation (4)
            • Columns relating to table 1
            • Line items relating to tables 1 and 2
            • Columns relating to table 2
            • Columns relating to table 3
            • Line items relating to table 3
            • Line items relating to table 4
            • Line items relating to table 5
      • 64. Interest rates on deposits, loans and advances
        • Form BA 930
          • Form BA 930 (page 1)
          • Form BA 930 (page 2)
          • Form BA 930 (page 3)
          • Form BA 930 (page 4)
        • Directives and interpretations for completion of monthly return concerning interest rates on deposits, loans and advances (Form BA 930)
      • 65. Selected locational statistics based on residence and nationality
        • Form BA 940
          • Section 1 : Total financial claims and liabilities by instrument and currency vis-à-vis all sectors
            • Form BA 940 (page 1)
            • Form BA 940 (page 2)
            • Form BA 940 (page 3)
            • Form BA 940 (page 4)
            • Form BA 940 (page 5)
            • Form BA 940 (page 6)
            • Form BA 940 (page 7)
            • Form BA 940 (page 8)
            • Form BA 940 (page 9)
            • Form BA 940 (page 10)
            • Form BA 940 (page 11)
            • Form BA 940 (page 12)
            • Form BA 940 (page 13)
            • Form BA 940 (page 14)
            • Form BA 940 (page 15)
            • Form BA 940 (page 16)
            • Form BA 940 (page 17)
          • Section 2 : Total financial claims and liabilities by instrument and currency vis-à-vis bank sector
            • Form BA 940 (page 18)
            • Form BA 940 (page 19)
            • Form BA 940 (page 20)
            • Form BA 940 (page 21)
            • Form BA 940 (page 22)
            • Form BA 940 (page 23)
            • Form BA 940 (page 24)
            • Form BA 940 (page 25)
            • Form BA 940 (page 26)
            • Form BA 940 (page 27)
            • Form BA 940 (page 28)
            • Form BA 940 (page 29)
            • Form BA 940 (page 30)
            • Form BA 940 (page 31)
            • Form BA 940 (page 32)
            • Form BA 940 (page 33)
            • Form BA 940 (page 34)
          • Section 3 : Total financial claims and liabilities by instrument and currency vis-à-vis non-bank sector and unallocated
            • Form BA 940 (page 35)
            • Form BA 940 (page 36)
            • Form BA 940 (page 37)
            • Form BA 940 (page 38)
            • Form BA 940 (page 39)
            • Form BA 940 (page 40)
            • Form BA 940 (page 41)
            • Form BA 940 (page 42)
            • Form BA 940 (page 43)
            • Form BA 940 (page 44)
            • Form BA 940 (page 45)
            • Form BA 940 (page 46)
            • Form BA 940 (page 47)
            • Form BA 940 (page 48)
            • Form BA 940 (page 49)
            • Form BA 940 (page 50)
            • Form BA 940 (page 51)
          • Section 4 : Total financial claims and liabilities by instrument and currency vis-à-vis sub-sectors of the non-financial sector
            • Form BA 940 (page 52)
            • Form BA 940 (page 53)
            • Form BA 940 (page 54)
            • Form BA 940 (page 55)
            • Form BA 940 (page 56)
            • Form BA 940 (page 57)
            • Form BA 940 (page 58)
            • Form BA 940 (page 59)
            • Form BA 940 (page 60)
            • Form BA 940 (page 61)
            • Form BA 940 (page 62)
            • Form BA 940 (page 63)
            • Form BA 940 (page 64)
            • Form BA 940 (page 65)
            • Form BA 940 (page 66)
            • Form BA 940 (page 67)
            • Form BA 940 (page 68)
        • Directives and interpretations for completion of quarterly return concerning locational statistics based on residence and nationality (Form BA 940)
      • 66. Institutional sector classification
        • Form BA 950 [Deleted]
        • Directives and interpretations relating to institutional sector classification
    • Chapter VII : Definitions and General Provisions
      • 67. Definitions
      • 68. Borrowing of money by co-operatives
      • 69. Short title and commencement
• Notices
  • Designation of Institution of which the activities do not fall within the meaning of "The business of a bank" 
    • Financial Service Co-operative
      • Notice No. R. 887 of 2008
      • 1. Definitions
      • 2. Institution
      • 3. Conditions
      • 4. Exemption
    • European Investment Bank
      • Notice No. 379 of 2009
    • Ithala Soc Limited (A Wholly Owned Subsidiary of Ithala Development Finance Corporation Limited)
      • Notice 633 of 2017
      • 1. Definitions
      • 2. Institution
      • 3. Conditions
  • Designation of an activity not falling within the meaning of "The business of a bank"
    • Commercial Paper
      • Notice No. 2172 of 1994 
      • 1. Definitions
      • 2. Designated activity
      • 3. General conditions for the issue of commercial paper
      • Annexure : Return Concerning Commercial Paper
    • Common Bond
      • Notice No. 1176 of 2006
      • 1. Definitions
      • 2. Designated Activity
      • 3. Conditions
      • 4. Repeal of Notice
    • Exemption Notice relating to Securitisation Schemes
      • Notice No. 2 of 2008
      • 1. Definitions
      • 2. Designation of activity
      • 3. Interpretation
      • 4. Traditional securitisation scheme
      • 5. Synthetic securitisation scheme
      • 6. Credit-enhancement facilities
      • 7. Liquidity facilities
      • 8. Underwriting
      • 9. Servicing
      • 10. Transactions included in the trading book
      • 11. Clean-up calls
      • 12. Securitisation of revolving assets
      • 13. Early amortisation
      • 14. Issue of commercial paper
      • 15. Appointment of auditor
      • 16. Disclosure
      • 17. Non-Compliance
      • 18. Short title and commencement
      • 19. Repeal of laws
  • Designation by the Prudential Authority of certain activities of Ithala SOC Limited
    • Notice No. 779 of 2022
    • 1. Definitions
    • 2. Institution
    • 3. Conditions
    • 4. Amendment and withdrawal of Exemption
    • 5. Short title and commencement
  • Consent granted in terms of Section 34 of the Banks Act for a foreign institution to establish a representative office within the Republic of South Africa: Union Bancaire Privee, UBP-SA
    • Notice No. 1644 of 2023
  • Consent granted in terms of Section 34 of the Banks Act for a foreign institution to establish a representative office within the Republic of South Africa: Capital International Bank Limited
    • General Notice 1918 of 2023