TITLE: Hong Kong Monetary Authority Issues Updated Guideline on Minimum Criteria for Authorization BODY: On February 27, 2026, the Hong Kong Monetary Authority (HKMA) issued an updated Guideline on Minimum Criteria for Authorization (GLI 1.5). This guideline establishes the foundational requirements that institutions must meet to obtain and maintain authorization as authorized institutions in Hong Kong's banking system. The guideline addresses a comprehensive range of regulatory expectations across multiple dimensions of banking operations. Key areas covered include governance structures, risk management frameworks, capital adequacy requirements, and liquidity management. The document specifies requirements relating to board composition, senior management qualifications, systems and controls, internal and external audit functions, and the three lines of defence model. It also addresses supervisory cooperation, stress-testing capabilities, contingency planning, and operational continuity arrangements. The guideline encompasses regulatory reporting and disclosure obligations, including requirements under the Banking (Disclosure) Rules. It establishes expectations for managing various risk categories including credit risk, operational risk, market risk, and country risk. Additional areas covered include large exposures management, connected party exposures, capital buffers (including the countercyclical capital buffer), liquidity coverage ratios, and leverage ratios. The guideline also addresses specific business areas such as private wealth management, retail wealth management, and cross-border activities, alongside requirements for treating customers fairly and managing conflicts of interest. The updated guideline supersedes the previous version issued on July 22, 2022, and cross-references numerous related HKMA guidelines and regulatory frameworks. Authorized institutions should review this guideline to ensure compliance with the updated minimum authorization criteria and align their operations accordingly.

CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]

Horizon Scanning Outline. Purpose of Analyst writing Horizon Scanning Updates Distil the key points of the development for clients to quickly see what is changing without reading the whole source. Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes. Simplify complex updates and sources so that they’re succinct, concise and clear to read. Consistently structure and write updates in the same format. Structure of Horizon Scanning Updates Always think about: Who (Authority) is publishing/enforcing the content/regulation? Where (Jurisdiction)? What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed? Who is this update applicable to (credit, e-money institutions, etc.)? Why is this update noteworthy? What is its significance? When is the update applicable? Title Describe what the update is about. Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what). All titles should be written in present tense. Avoid using acronyms Approx 10 - 20 words Example Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance Paragraph 1 Open with the date of the update (When) Name the authority that released the update (Who) Summarise the release (What) Example On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets. Paragraph 2 Summarise key points. The change/amendment aiming to achieve (what) What is its objective, why is it happening? Why is it significant? (why) Who does it impact or concern? (Who) The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document. Example SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to: Study Indian and global best practices. Prepare the guidelines. Address the concerns and issues arising from AI/ML usage. SEBI is consulting on the following principles to develop the guidelines: Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models. Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information. Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results. Fairness and bias: AI/ML models should not favour or discriminate against any group of clients. Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security. Paragraph 3 Acts as a “Call To Action”. Provide forward looking context: What actions need to be taken? Who needs to take action? Next steps to the development. Include any relevant dates (When) Response dates - should always be provided for consultations Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted. Example The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026. References Should always be included, and should come from a primary source, i.e., an authority, not a news source. General Style Notes: 200-250 words Active voice Authorities and companies referenced as a single entity (“It”, not “they”) Titles in title case Internal Vixio vocabulary guide Content Style Guide Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content. A Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA). Act - when just referring to “the act”, it does not need a capital a. Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell). - advice (noun) - give formal suggestions (for example, I gave them advice). Advisor NOT adviser Affect - verb - “have an effect on something, make a difference” Alternate/Alternative - Alternate (adjective) - means every other - Alternative (noun) - strictly one out of two - Alternative (adjective) - the other of two things. Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”. AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT Among/while NOT Amongst/whilst API - application programming interface Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act. Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”. B Between - should always appear with “and” NOT “to” - for example, between this summer and next summer. Big tech - two words, breaks convention of other tech words Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522). Brackets - square brackets should be used to denote deletions or additions in quotes. Buy now, pay later - no hyphens Bullet points - see Lists C Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a) Cardrooms not card rooms Cases - legal cases should appear in italics, with a v for versus. Casino-resorts NOT casino resorts or resort-casinos Chief executive NOT chief executive officer Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes) Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000) Comparisons - compare with (highlighting differences) - compare to (highlighting similarities) Companies/organisations - singular entities (it NOT they) should be followed by “which/that” rather than “who” Ltd, not Limited Complement - to accompany something/add value Compliment - give praise (complimentary = free) Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings) Comprise/comprising - should NOT be followed with “of”, as it means to “consist of” Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,) Continually - if something occurs repeatedly/regularly in the same way Continuously - if something occurs without interruption or gaps Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone) Contrast - by contrast - when comparing one thing to another - in contrast - simply noting a difference Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting Court of Justice of the European Union (CJEU) rather than ECJ Cryptocurrency - one word, not hyphenated. Crypto-assets - hyphenated Cybersecurity - one word, not hyphenated CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar) m for million, bn for billion, trn for trillion. D Date format - Month, Day, Year (e.g., March 7, 2019) For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…” For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...” For NIBs: always use dates rather than days. Department for Digital, Culture, Media & Sport - ampersand Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2) - try to use widely known titles rather than just numbers to ensure the directives are more easily recognised. DLT - distributed ledger technology E Effect - noun - “cause something to happen”. Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–). Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”. esports NOT eSports or e-sports Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”. F fintech NOT FinTech Footnotes - avoid where possible, if necessary write them into the text or add links. G GGR - “gross gaming revenues” Government - does not need a capital g. Governor - should be written out in full, NOT Gov. Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines) H Headlines - all words should begin with a capital Horseracing NOT horse racing Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money - DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper I Impact - should be used as a noun - i.e. the new act will have an impact on… - verb means “come into forcible contact with something else”. - using “affect” as a verb is more accurate. J Judgment - legal decision Judgement - one’s own opinion Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters. Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive. OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur DON’T need capitals unless a figure of importance (i.e., Prime Minister, President) Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be. Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team). K KYC - know your customer L Legislature - does not need a capital l. Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables. Licence - noun (UK), i.e. a driver’s licence License - verb/noun (US) Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent). M MONEYVAL NOT Moneyval More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players. N Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive. Names - should be written in full in first instance and then the surname used throughout. Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences. Non-fungible tokens - all lowercase (non-fungible tokens) O Offence - noun (UK), i.e. commit an offence Offense - noun (US) Organisations/companies - singular entities (it NOT they) should be followed by “which/that” rather than “who” Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears). Over - should not be used as a replacement for “more than”. P Parliament - does not need a capital p. Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”. - passed is the past tense of “to pass” - “the law was passed in government”. Prepaid, not pre-paid Percentages - numbers should always be written as figures percent NOT per cent or % Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent) Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to” Principal - main, most important Principle - a fundamental source or basis of something Programme (UK) Program (US, UK - for computer program, Australian English) Q Quotes - speaker should be referenced in the past tense (said NOT says) Quote marks - double quote marks should be used for speech - single quote marks should only be used for titles and within quotes. (See Quote reference sheet for more information on how to use quotes.) R regtech NOT RegTech Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines) Racetracks not race tracks S Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018. Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act. Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.) Sports betting NOT sportsbetting Sports team names Storey (pl. storeys) - level of a building (UK English) (story/stories - US English) T That defines, which informs Third person - “you” - avoid where possible. Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a) Tenses - content should generally be written in past tense - present tense should be used for something that has just happened and will be continuing into the future. U United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”) U.S. Department of Justice - Justice Department (with capitals as requested) V Vixio GamblingCompliance / Vixio PaymentsCompliance Vixio (to be used on its own after first instance) W Which informs, that defines While/among NOT Whilst/amongst While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”. X Y Year quarters - Q1, Q2, H1, H2, etc. Z Acronyms AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT API - application programming interface DLT - distributed ledger technology --- Now, given the above instructions and style guide, please generate a horizon scanning update based on the following webpage content. Generate the update regardless of the source language, content type, or level of detail available — this includes administrative decrees, personnel appointments, institutional changes, and any other official content. Use whatever information is present. HKMA Banking Regulatory Document Repository GLI Current Guideline Number: 1.5 Guideline on Minimum Criteria for Authorization Issue Date: 27 Feb 2026 20260227-1-EN.pdf (546.4 KB) Topic: Authorization - Minimum Criteria for Authorization Keyword: Systems/controls Board of Directors Controllers CEs/ACEs Supervisory cooperation + EOs/ReIs Policies/procedures Senior management/72B managers Risk appetite/limits Regulatory reporting/disclosures LCR Contingency planning LAC CFR NSFR LMR INEDs Group structure Solo/consolidated supervision Stress-testing Revocation/suspension Internal auditors External auditors Private wealth management CCyB ratio CET1 capital HLA ratio Risk measurement Tier 1 capital CAAP Off-site review On-site examination Conflict of interest Retail wealth management Operational continuity Country risk Cross border activities Incentive systems Three lines of defence Treat customers fairly SRP Cash-flow projection Collateral/guarantees Management information system - Group: All Authorized Institutions Directly related Document Cross referenced Document Version History Superseded Document Directly related Document SPM-SGL Current 19 Dec 2025 CR-G-9 Exposures to Connected Parties SPM-SGL Current 19 Dec 2025 CR-G-8 Large Exposures and Risk Concentrations SPM-SGL Current 19 Dec 2025 CA-G-1 Overview of Capital Adequacy Regime for Locally Incorporated Authorized Institutions SPM-SGL Current 19 Dec 2025 LM-1 Regulatory Framework for Supervision of Liquidity Risk SPM-SGL Current 19 Dec 2025 CA-G-5 Supervisory Review Process SPM-NGL Current 27 Nov 2025 CA-D-1 Guideline on the Application of the Banking (Disclosure) Rules SPM-SGL Current 01 Aug 2025 CG-1 Corporate Governance of Locally Incorporated Authorized Institutions SPM-SGL Current 18 Jul 2025 CA-G-4 Validating Risk Rating Systems under the IRB Approach SPM-SGL Current 20 Dec 2024 CA-B-3 Countercyclical Capital Buffer (CCyB)–Geographic Allocation of Private Sector Credit Exposures SPM-SGL Current 13 Dec 2024 CR-L-1 Consolidated Supervision of Concentration Risks: BELR Rule 6 SPM-NGL Current 23 May 2024 CG-6 Competence and Ethical Behaviour SPM-NGL Current 01 Mar 2024 CA-B-1 Countercyclical Capital Buffer (CCyB) – Approach to its Implementation SPM-SGL Current 25 May 2023 AML-2 Guideline on Anti-Money Laundering and Counter-Financing of Terrorism (For Authorized Institutions) COP Current 22 Dec 2021 Resolution Planning - Contractual Recognition of Suspension of Termination Rights CIR Current 15 Dec 2021 Corporate Governance SPM-NGL Current 29 Jul 2021 CG-5 Guideline on a Sound Remuneration System SPM-NGL Current 20 Jul 2021 CS-1 Group-wide Approach to Supervision of Locally Incorporated Authorized Institutions SPM-SGL Current 23 Apr 2021 CA-B-2 Systemically Important Banks CIR Current 16 Nov 2020 New Return of Consolidated Accounts and revised submission deadlines for selected returns Annex 4: Completion instructions - Quarterly Analysis of Loans and Advances and Provisions SPM-SGL Current 11 Sep 2020 CR-G-14 Non-centrally Cleared OTC Derivatives Transactions - Margin and Other Risk Mitigation Standards SPM-NGL Current 31 Oct 2017 IC-2 Internal Audit Function SPM-SGL Current 06 Oct 2017 IC-1 Risk Management Framework COP Current 07 Jul 2017 Code of Practice: Resolution Planning - Core Information Requirements (CI-1) CIR Current 08 Jun 2017 Treat Customers Fairly Charter for Private Wealth Management Industry (the Charter) SPM-SGL Current 25 Nov 2016 LM-2 Sound Systems and Controls for Liquidity Risk Management SPM-NGL Current 30 Jun 2016 CR-G-12 Credit risk transfer activities COP Current 19 Dec 2014 Banking (Liquidity Coverage Ratio - Calculation of Total Net Cash Outflows) Code CIR Current 28 Oct 2013 Treat Customers Fairly Charter SPM-NGL Current 06 Nov 2003 IC-3 Reporting Requirements Relating to Authorized Institutions’ External Auditors under the Banking Ordinance SPM-SGL Current 24 May 2002 CG-2 Systems of control for the appointment of managers SPM-SGL Current 28 Dec 2001 CG-4 Establishment of Overseas Banking Subsidiaries: §51A SPM-NGL Current 23 Nov 2001 CR-G-5 Country Risk Management SPM-SGL Current 19 Jan 2001 CR-G-3 Credit Administration, Measurement and Monitoring SPM-SGL Current 19 Jan 2001 CR-G-2 Credit Approval, Review and Records SPM-SGL Current 19 Jan 2001 CR-G-1 General Principles Of Credit Risk Management CIR Current 08 Nov 1999 Loan Classification and Provisioning GLI Archive 22 Jul 2022 Guideline on Minimum Criteria for Authorization Directly related Document Cross referenced Document SPM-SGL Current 19 Dec 2025 CR-G-9 Exposures to Connected Parties SPM-SGL Current 19 Dec 2025 CR-G-8 Large Exposures and Risk Concentrations SPM-SGL Current 19 Dec 2025 CA-G-1 Overview of Capital Adequacy Regime for Locally Incorporated Authorized Institutions SPM-SGL Current 19 Dec 2025 LM-1 Regulatory Framework for Supervision of Liquidity Risk SPM-SGL Current 19 Dec 2025 CA-G-5 Supervisory Review Process SPM-NGL Current 27 Nov 2025 CA-D-1 Guideline on the Application of the Banking (Disclosure) Rules SPM-SGL Current 01 Aug 2025 CG-1 Corporate Governance of Locally Incorporated Authorized Institutions SPM-SGL Current 18 Jul 2025 CA-G-4 Validating Risk Rating Systems under the IRB Approach SPM-SGL Current 20 Dec 2024 CA-B-3 Countercyclical Capital Buffer (CCyB)–Geographic Allocation of Private Sector Credit Exposures SPM-SGL Current 13 Dec 2024 CR-L-1 Consolidated Supervision of Concentration Risks: BELR Rule 6 SPM-NGL Current 23 May 2024 CG-6 Competence and Ethical Behaviour SPM-NGL Current 01 Mar 2024 CA-B-1 Countercyclical Capital Buffer (CCyB) – Approach to its Implementation SPM-SGL Current 25 May 2023 AML-2 Guideline on Anti-Money Laundering and Counter-Financing of Terrorism (For Authorized Institutions) COP Current 22 Dec 2021 Resolution Planning - Contractual Recognition of Suspension of Termination Rights CIR Current 15 Dec 2021 Corporate Governance SPM-NGL Current 29 Jul 2021 CG-5 Guideline on a Sound Remuneration System SPM-NGL Current 20 Jul 2021 CS-1 Group-wide Approach to Supervision of Locally Incorporated Authorized Institutions SPM-SGL Current 23 Apr 2021 CA-B-2 Systemically Important Banks CIR Current 16 Nov 2020 New Return of Consolidated Accounts and revised submission deadlines for selected returns Annex 4: Completion instructions - Quarterly Analysis of Loans and Advances and Provisions SPM-SGL Current 11 Sep 2020 CR-G-14 Non-centrally Cleared OTC Derivatives Transactions - Margin and Other Risk Mitigation Standards SPM-NGL Current 31 Oct 2017 IC-2 Internal Audit Function SPM-SGL Current 06 Oct 2017 IC-1 Risk Management Framework COP Current 07 Jul 2017 Code of Practice: Resolution Planning - Core Information Requirements (CI-1) CIR Current 08 Jun 2017 Treat Customers Fairly Charter for Private Wealth Management Industry (the Charter) SPM-SGL Current 25 Nov 2016 LM-2 Sound Systems and Controls for Liquidity Risk Management SPM-NGL Current 30 Jun 2016 CR-G-12 Credit risk transfer activities COP Current 19 Dec 2014 Banking (Liquidity Coverage Ratio - Calculation of Total Net Cash Outflows) Code CIR Current 28 Oct 2013 Treat Customers Fairly Charter SPM-NGL Current 06 Nov 2003 IC-3 Reporting Requirements Relating to Authorized Institutions’ External Auditors under the Banking Ordinance SPM-SGL Current 24 May 2002 CG-2 Systems of control for the appointment of managers SPM-SGL Current 28 Dec 2001 CG-4 Establishment of Overseas Banking Subsidiaries: §51A SPM-NGL Current 23 Nov 2001 CR-G-5 Country Risk Management SPM-SGL Current 19 Jan 2001 CR-G-3 Credit Administration, Measurement and Monitoring SPM-SGL Current 19 Jan 2001 CR-G-2 Credit Approval, Review and Records SPM-SGL Current 19 Jan 2001 CR-G-1 General Principles Of Credit Risk Management CIR Current 08 Nov 1999 Loan Classification and Provisioning Version History Superseded Document GLI Archive 22 Jul 2022 Guideline on Minimum Criteria for Authorization You may also be interested in + - SPM-SGL Current 15 Nov 2024 MB-1 Risk-based Supervision of Approved Money Broker GTA Current 27 Feb 2026 Guide to Authorization-Chapter 4-Authorization GLI Archive 09 Mar 2018 Guideline on minimum criteria for authorization Clear All Select All Expand All Collapse All AML & CFT AML/CFT Controls Financial Sanctions Tax Matters Related Others Authorization Digital Banking Guide to Authorization Mergers/Takeovers/Restructuring Minimum Criteria for Authorization Money Brokers Three-tier Banking System Others Banking Conduct & Enforcement Account Opening/Maintenance Bank Culture Code of Banking Practice Complaints Consumer Protection Credit Data Sharing Enforcement/Discipline Financial Inclusion Others Business Continuity Planning Business Continuity Planning Capacity Building and Talent Development Enhanced competency framework Others Capital Adequacy Capital Base Capital Buffers CCR Credit Risk (non-securitization exposures) Credit Risk (securitization exposures) Market Risk Operational Risk Pillar 2 SIBs Sovereign Concentration Risk Others Consolidated Supervision Consolidated Supervision Corporate Governance Board Directorship Code of conduct Remuneration Others Credit Risk Management CCR Corporate credit risk management Credit risk transfer/Mitigation Loan classification/Provisioning Property mortgage lending Retail credit risk management Others Disclosure Pillar 3 requirements Others Fintech Commercial data interchange Fintech supervisory sandbox Open API Regtech Smart Banking Suptech Virtual assets Others Green & Sustainable Banking Climate risk management Sustainability reporting standards Others Interest Rate Risk Management Interest Rate Risk Management Internal Controls Compliance function Insourcing/Outsourcing Internal audit function Risk management function Others Large Exposures & Risk Concentrations Connected parties HKMCI-related exposures Limits on credit exposures Others Leverage Ratio Leverage Ratio Liquidity Risk Management Liquidity facilities Sound LRM framework Statutory liquidity requirements Others Mainland Activities Mainland Activities Market Risk Management Algorithmic trading Foreign exchange Others Miscellaneous BCBS Covid-19 challenges Deposit protection FSB SFC/IA/MPFA Others Operational Risk Management Commercial Crime Bureau Fraud risk management Operational and IT incident watch Others OTC Derivatives Clearing Margining/Risk-mitigation Reporting Trading Others Recovery planning Recovery planning Renminbi Renminbi Resolution Resolution execution Resolution framework Resolution planning Resolution standards Strategic & Reputation Risk Management Strategic & Reputation Risk Management Supervisory Approach Supervisory Approach Technology Risk Management Cybersecurity E-banking Fraud risk management Others Treasury market Reform of interest rate benchmarks Others Trust Business Trust Business Wealth Management & MPF Insurance products MPF products Securities/investment products Others Close Search Search Filter Alphabetic Topic Clear All Expand All Collapse All Close Search Search

HKMA Banking Regulatory Document Repository

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