{"id":49327,"date":"2026-03-23T09:34:35","date_gmt":"2026-03-23T08:34:35","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49327"},"modified":"2026-03-23T10:49:24","modified_gmt":"2026-03-23T09:49:24","slug":"regulatory-compliance-in-banking","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ar\/regulatory-compliance-in-banking\/","title":{"rendered":"\u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0644\u0628\u0646\u0648\u0643 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0641\u064a \u0628\u064a\u0626\u0629 \u0645\u062a\u063a\u064a\u0631\u0629\u061f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0623\u0645\u0631 \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c 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class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0628\u0627\u0644\u0639\u0645\u0644 \u0636\u0645\u0646 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627\u060c \u0648\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a\u0629 (\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a\u0629 \u0647\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u0635\u0645\u0645\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 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class=\"wp-block-list\">\n<li>\u062a\u0631\u0643\u0632 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u062e\u0637\u0637 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0625\u0641\u0635\u0627\u062d\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646.<\/li><li>\u062a\u0624\u0643\u062f \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0645\u062f\u0649 \u0627\u0644\u0645\u0644\u0627\u0626\u0645\u0629 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0635\u062f\u0631 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\u062a\u0634\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0646\u0637\u0642\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0646\u0638\u0645<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0647\u064a\u0626\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0647\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0633\u0644\u0648\u0643\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u0637 \u0627\u0644\u0633\u0644\u064a\u0645\u060c \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0633\u0648\u064a\u0633\u0631\u0627<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0647\u064a\u0626\u0629 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0648\u064a\u0633\u0631\u064a\u0629 (\u0641\u064a\u0646\u0645\u0627)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0627\u062a \u0627\u0644\u0631\u0623\u0633\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0642\u0648\u0627\u0639\u062f \"\u0623\u0643\u0628\u0631 \u0645\u0646 \u0623\u0646 \u062a\u0641\u0634\u0644\"<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0622\u0644\u064a\u0629 \u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0627\u0644\u0648\u0627\u062d\u062f \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0643\u0628\u0631\u0649 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u064a\u0648\u0631\u0648<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0639\u0627\u0644\u0645\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0644\u062c\u0646\u0629 \u0628\u0627\u0632\u0644<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0634\u0631\u0641 \u0647\u064a\u0626\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a (FCA) \u0639\u0644\u0649 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 58,000 \u0634\u0631\u0643\u0629 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0633\u0627\u0626\u0644 \u0627\u0644\u0633\u0644\u0648\u0643\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0634\u0631\u0641 \u0647\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a (PRA) \u0639\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 1,500 \u0645\u0624\u0633\u0633\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a\u0629. \u062a\u062a\u0637\u0644\u0628 \u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0641\u064a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a\u0629 (\u0646\u0633\u0628 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629)<\/li><li>\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0633\u0644\u0648\u0643 (\u0645\u0639\u0627\u0645\u0644\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0625\u0646\u0635\u0627\u0641\u060c \u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0627\u0644\u0645\u0644\u0627\u0626\u0645\u0629)<\/li><li>\u0627\u0644\u0648\u0642\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0641\u062d\u0635 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a\u060c \u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u0645\u0648\u0636\u0639 \u0625\u064a\u0641\u0633\u062a \u063a\u0644\u0627\u0633 (InvestGlass) \u0643\u0634\u0631\u064a\u0643 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0644\u064a\u0633 \u0623\u0645\u0631\u064a\u0643\u064a\u0627\u064b \u0648\u0644\u064a\u0633 \u0635\u064a\u0646\u064a\u0627\u064b\u060c \u064a\u0642\u0648\u0645 \u0628\u062a\u0636\u0645\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d8%a7%d9%84%d8%af%d9%84%d9%8a%d9%84-%d8%a7%d9%84%d9%86%d9%87%d8%a7%d8%a6%d9%8a-%d9%84%d8%a5%d8%af%d8%a7%d8%b1%d8%a9-%d8%af%d9%88%d8%b1%d8%a9-%d8%ad%d9%8a%d8%a7%d8%a9-%d8%a7%d9%84%d8%b9%d9%85%d9%8a\/\" target=\"_self\">\u062f\u0648\u0631\u0629 \u062d\u064a\u0627\u0629 \u0627\u0644\u0639\u0645\u064a\u0644<\/a> \u0627\u0644\u0623\u062a\u0645\u062a\u0629, <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d8%aa%d8%ad%d8%b3%d9%8a%d9%86-%d8%a7%d9%84%d8%a5%d8%b9%d8%af%d8%a7%d8%af-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%8a-%d9%84%d8%a3%d9%81%d8%b6%d9%84-%d8%a7%d9%84%d9%85%d9%85%d8%a7%d8%b1%d8%b3%d8%a7%d8%aa\/\" target=\"_self\">\u0627\u0644\u062a\u0647\u064a\u0626\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/a> \u0648\u0625\u062f\u0627\u0631\u0629 \u0633\u064a\u0631 \u0627\u0644\u0639\u0645\u0644.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_regulatory_compliance_matters_trust_stability_and_competitiveness\"><\/span>\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a: \u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0634\u0643\u0644 \u0627\u0644\u062b\u0642\u0629 \u0623\u0633\u0627\u0633 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0645\u0635\u0631\u0641\u064a. \u064a\u0648\u062f\u0639 \u0627\u0644\u0645\u0627\u0646\u062d\u0648\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u062f\u0649 \u0645\u0624\u0633\u0633\u0627\u062a \u064a\u0639\u062a\u0642\u062f\u0648\u0646 \u0623\u0646\u0647\u0627 \u0633\u062a\u062d\u0645\u064a \u0623\u0645\u0648\u0627\u0644\u0647\u0645. \u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u062a\u0622\u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u062b\u0642\u0629\u060c \u062a\u062a\u0628\u0639\u0647\u0627 \u0639\u0648\u0627\u0642\u0628 \u0633\u0631\u064a\u0639\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0623\u0638\u0647\u0631 \u0627\u0646\u0647\u064a\u0627\u0631 \u0628\u0646\u0643 \u0648\u0627\u062f\u064a \u0627\u0644\u0633\u064a\u0641\u0648\u0631 \u0641\u064a \u0645\u0627\u0631\u0633 2023 \u0645\u062f\u0649 \u0633\u0631\u0639\u0629 \u062a\u0628\u062f\u062f \u0627\u0644\u062b\u0642\u0629. \u0641\u0642\u062f \u0648\u0627\u062c\u0647 \u0627\u0644\u0628\u0646\u0643 \u0637\u0644\u0628\u0627\u062a \u0633\u062d\u0628 \u0628\u0642\u064a\u0645\u0629 42 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u063a\u0636\u0648\u0646 \u0633\u0627\u0639\u0627\u062a \u0645\u0639 \u0633\u0627\u0631\u0639 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646\u060c \u0648\u0643\u062b\u064a\u0631 \u0645\u0646\u0647\u0645 \u0644\u062f\u064a\u0647\u0645 \u0623\u0631\u0635\u062f\u0629 \u063a\u064a\u0631 \u0645\u0624\u0645\u0646\u0629\u060c \u0625\u0644\u0649 \u0627\u0644\u062e\u0631\u0648\u062c. \u0648\u0628\u0627\u0644\u0645\u062b\u0644\u060c \u0623\u062f\u0649 \u0633\u0642\u0648\u0637 \u0643\u0631\u064a\u062f\u064a \u0633\u0648\u064a\u0633 \u0641\u064a \u0639\u0627\u0645 2023\u060c \u0628\u0639\u062f \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u062e\u0641\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062e\u0633\u0627\u0626\u0631 \u0628\u0642\u064a\u0645\u0629 5.5 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0645\u0646 \u0623\u0631\u0643\u064a\u062c\u0648\u0633\u060c \u0625\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u064a\u0648 \u0628\u064a \u0625\u0633 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0623\u0645\u0631 \u0645\u0646 \u0647\u064a\u0626\u0629 \u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0648\u064a\u0633\u0631\u064a\u0629 (FINMA) \u0648\u0628\u062f\u0639\u0645 \u062d\u0643\u0648\u0645\u064a \u0628\u0644\u063a 16 \u0645\u0644\u064a\u0627\u0631 \u0641\u0631\u0646\u0643 \u0633\u0648\u064a\u0633\u0631\u064a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0641\u0639\u0627\u0644 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0648\u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0641\u0631\u0636 \u063a\u0631\u0627\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0645\u062b\u0644\u062a \u063a\u0631\u0627\u0645\u0629 \u0628\u0646\u0643 \u062a\u064a \u062f\u064a (TD Bank) \u0627\u0644\u0628\u0627\u0644\u063a\u0629 3.09 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2024 \u0623\u0643\u0628\u0631 \u063a\u0631\u0627\u0645\u0629 \u0641\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0628\u0645\u0648\u062c\u0628 \u0642\u0627\u0646\u0648\u0646 \u0633\u0631\u064a\u0629 \u0627\u0644\u0628\u0646\u0643 (\u0648\u0647\u0648 \u0642\u0627\u0646\u0648\u0646 \u0623\u0645\u0631\u064a\u0643\u064a \u064a\u0637\u0627\u0644\u0628 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0641\u064a \u0643\u0634\u0641 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0645\u0646\u0639\u0647).<\/li><li>\u0628\u0644\u063a\u062a \u063a\u0631\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 1.2 \u0645\u0644\u064a\u0627\u0631 \u064a\u0648\u0631\u0648 \u0639\u0628\u0631 50 \u062d\u0627\u0644\u0629 \u0641\u064a \u0639\u0627\u0645 2023.<\/li><li>\u064a\u0648\u0627\u0635\u0644 \u0625\u062c\u0631\u0627\u0621 \u0625\u0646\u0641\u0627\u0630 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0647\u064a\u0626\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 (FCA) \u0627\u0633\u062a\u0647\u062f\u0627\u0641 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u0635\u0631 \u0641\u064a \u062a\u0644\u0628\u064a\u0629 \u0645\u0639\u0627\u064a\u064a\u0631 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0642\u0648\u064a\u0629 \u062a\u062f\u0639\u0645 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u0631\u0636 \u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0625\u0642\u0631\u0627\u0636 \u0633\u0644\u064a\u0645\u0629\u060c \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d8%a3%d9%81%d8%b6%d9%84-%d8%a7%d9%84%d9%85%d9%85%d8%a7%d8%b1%d8%b3%d8%a7%d8%aa-%d9%84%d9%88%d8%b6%d8%b9-%d8%ae%d8%b7%d8%a9-%d8%b7%d9%88%d8%a7%d8%b1%d8%a6-%d9%85%d9%8f%d8%ad%d9%83%d9%85%d8%a9\/\" target=\"_self\">\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0648\u0627\u0644\u0637\u0648\u0627\u0631\u0626<\/a> \u0627\u0644\u062a\u0645\u0648\u064a\u0644. \u062a\u0636\u0645\u0646 \u0645\u0639\u0627\u064a\u064a\u0631 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u0627\u0633\u0644 3\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0646\u0633\u0628\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0646\u0633\u0628\u0629 \u0635\u0627\u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0642\u0631\u060c \u0642\u062f\u0631\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0638\u0631\u0648\u0641 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0636\u0627\u063a\u0637\u0629. \u0625\u0646 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0631\u0623\u0633 \u0645\u0627\u0644 \u0643\u0627\u0641\u064d \u064a\u062f\u0639\u0645 \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0636\u0645\u0627\u0646 \u0642\u062f\u0631\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u0627\u0645\u062a\u0635\u0627\u0635 \u0627\u0644\u062e\u0633\u0627\u0626\u0631.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0633\u062a\u0642\u0637\u0628 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u064a \u062a\u062a\u0645\u062a\u0639 \u0628\u0633\u0645\u0639\u0629 \u0637\u064a\u0628\u0629 \u0641\u064a \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0631\u0624\u0648\u0633 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629\u060c \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0630\u0648\u064a \u0627\u0644\u062b\u0631\u0648\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u0648\u062f\u0627\u0626\u0639. \u0648\u064a\u0635\u0628\u062d \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0645\u064f\u0645\u064a\u0632\u0627\u064b \u062a\u062c\u0627\u0631\u064a\u0627\u064b \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0643\u0648\u0646\u0647\u0627 \u0645\u062c\u0631\u062f \u0645\u0631\u0643\u0632 \u062a\u0643\u0644\u0641\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0633\u0627\u0639\u062f \u0625\u0646\u0641\u0633\u062a \u063a\u0644\u0627\u0633 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0639\u0644\u0649 \u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0633\u062c\u0644\u0627\u062a \u062c\u0627\u0647\u0632\u0629 \u0644\u0644\u0645\u062f\u0642\u0642\u064a\u0646\u060c \u0648\u0648\u062b\u0627\u0626\u0642 \u0645\u0631\u0643\u0632\u064a\u0629\u060c \u0648\u0633\u062c\u0644\u0627\u062a \u0622\u0644\u064a\u0629 \u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643 (KYC)\u060c \u0648\u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0627\u0644\u0645\u0644\u0627\u0621\u0645\u0629\u060c \u0648\u062a\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_domains_of_banking_regulatory_compliance\"><\/span>\u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0627\u0644\u0645\u0635\u0631\u0641\u064a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u062c\u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0641\u064a \u0639\u062f\u0629 \u0645\u062c\u0627\u0644\u0627\u062a \u0645\u0644\u0645\u0648\u0633\u0629\u060c \u064a\u062d\u0643\u0645 \u0643\u0644 \u0645\u0646\u0647\u0627 \u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0647\u064a\u0626\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0636\u0648\u0627\u0628\u0637 \u062f\u0627\u062e\u0644\u064a\u0629 \u0645\u062d\u062f\u062f\u0629. \u064a\u064f\u0639\u062f \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 (\u0648\u0647\u0648 \u0646\u0638\u0627\u0645 \u0634\u0627\u0645\u0644 \u0648\u0645\u0645\u0646\u0647\u062c \u064a\u062f\u0645\u062c \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u062e\u0641\u064a\u0641 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631) \u0623\u0645\u0631\u0627\u064b \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0641\u0639\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capital_adequacy_and_liquidity\"><\/span>\u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u0633\u064a\u0648\u0644\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062d\u062f\u062f \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u0627\u0632\u0644 3 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0646\u0633\u0628 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0647\u0627:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0639\u0627\u062f\u064a \u0645\u0646 \u0627\u0644\u0641\u0626\u0629 1 (CET1): 4.5% \u0645\u0646 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0631\u062c\u062d\u0629 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/li><li>\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u0627\u0644\u0641\u0626\u0629 1: 6%<\/li><li>\u0625\u062c\u0645\u0627\u0644\u064a \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644: 8%<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0630\u0627\u062a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 3.5%. \u0648\u062a\u062a\u0637\u0644\u0628 \u0646\u0633\u0628\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u062a\u063a\u0637\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 100% \u0644\u0635\u0627\u0641\u064a \u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u062e\u0627\u0631\u062c\u0629 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0636\u063a\u0637 \u0645\u062f\u062a\u0647\u0627 30 \u064a\u0648\u0645\u064b\u0627\u060c \u0641\u064a \u062d\u064a\u0646 \u062a\u0646\u0635 \u0646\u0633\u0628\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0642\u0631 \u0627\u0644\u0635\u0627\u0641\u064a \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u062a\u0645\u0648\u064a\u0644 \u0645\u0633\u062a\u0642\u0631 \u0628\u0646\u0633\u0628\u0629 100% \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0639\u0627\u0645 \u0648\u0627\u062d\u062f. \u0648\u0623\u0635\u0628\u062d\u062a \u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0636\u063a\u0648\u0637 \u0645\u0645\u0627\u0631\u0633\u0629 \u0645\u0639\u062a\u0627\u062f\u0629 \u0628\u0639\u062f \u0639\u0627\u0645 2008\u060c \u062d\u064a\u062b \u062a\u062a\u0636\u0645\u0646 \u0627\u0644\u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a \u0645\u062d\u0627\u0643\u0627\u0629 \u0627\u0646\u062e\u0641\u0627\u0636\u0627\u062a \u0641\u064a \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0628\u0646\u0633\u0628\u0629 10% \u0623\u0648 \u0623\u0643\u062b\u0631.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0631\u0623\u0633 \u0645\u0627\u0644 \u0643\u0627\u0641\u064d \u064a\u062f\u0639\u0645 \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0636\u0645\u0627\u0646 \u0642\u062f\u0631\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u0627\u0645\u062a\u0635\u0627\u0635 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0645\u0644 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0627\u062a \u0627\u0644\u0636\u063a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conduct_and_consumer_protection\"><\/span>\u0627\u0644\u0633\u0644\u0648\u0643 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062a\u0627\u0628\u0639 \u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a (FCA)\u060c \u0648\u0627\u0644\u0630\u064a \u062f\u062e\u0644 \u062d\u064a\u0632 \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0641\u064a \u064a\u0648\u0644\u064a\u0648 2023\u060c \u064a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062a\u062d\u0642\u064a\u0642 \u0646\u062a\u0627\u0626\u062c \u062c\u064a\u062f\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0639\u0628\u0631 \u0627\u0644\u0633\u0639\u0631\u060c \u0648\u0627\u0644\u0642\u064a\u0645\u0629\u060c \u0648\u0627\u0644\u062f\u0639\u0645\u060c \u0648\u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a. \u0623\u0645\u0627 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0641\u064a \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a (MiFID II) \u0641\u064a\u0641\u0631\u0636 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0644\u0627\u0626\u0645\u0629 \u0648\u0627\u0644\u0645\u0644\u0627\u0621\u0645\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629\u060c \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a\u060c \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0627\u0644\u062a\u064a \u062a\u062d\u0645\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0645\u0646 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u0645\u0636\u0644\u0644.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_crime_compliance\"><\/span>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u0628\u0639 \u0642\u0648\u0627\u0639\u062f \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628 \u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u062c\u0645\u0648\u0639\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (FATF) \u0627\u0644\u0623\u0631\u0628\u0639\u064a\u0646. \u0648\u062a\u0639\u0645\u0644 \u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062e\u0627\u0645\u0633\u0629 \u0648\u0627\u0644\u0633\u0627\u062f\u0633\u0629 (AMLD 5 \u06486) \u0639\u0644\u0649 \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0644\u064a\u0634\u0645\u0644 \u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0648\u062a\u062a\u0637\u0644\u0628 \u0633\u062c\u0644\u0627\u062a \u0644\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u064a\u0646 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u064a\u0646. \u062a\u0641\u0631\u0636 \u0644\u0648\u0627\u0626\u062d \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u062a\u0642\u062f\u064a\u0645 \u062a\u0642\u0627\u0631\u064a\u0631 \u0639\u0646 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0645\u0634\u0628\u0648\u0647\u0629\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645 \u0623\u0643\u062b\u0631 \u0645\u0646 650,000 \u062a\u0642\u0631\u064a\u0631 \u0646\u0634\u0627\u0637 \u0645\u0634\u0628\u0648\u0647 (SAR) \u0633\u0646\u0648\u064a\u064b\u0627. \u064a\u062c\u0628 \u0623\u0646 \u064a\u063a\u0637\u064a \u0641\u062d\u0635 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0642\u0648\u0627\u0626\u0645 \u0645\u0643\u062a\u0628 \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 (OFAC) (\u0627\u0644\u062a\u064a \u062a\u0636\u0645 \u0623\u0643\u062b\u0631 \u0645\u0646 10,000 \u0625\u062f\u062e\u0627\u0644 \u0644\u0644\u0645\u0648\u0627\u0637\u0646\u064a\u0646 \u0627\u0644\u0645\u062d\u062f\u062f\u062e\u0635\u064a\u0635\u0627\u064b (SDN))\u060c \u0648\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0648\u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062b\u0647\u0627 \u0623\u0633\u0628\u0648\u0639\u064a\u0627\u064b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Data_protection_and_cybersecurity\"><\/span>\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062d\u062f\u062f\u062a \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (GDPR) \u0633\u0628\u0639\u0629 \u0645\u0628\u0627\u062f\u0626 \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u060c \u0645\u0639 \u063a\u0631\u0627\u0645\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 4% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629. \u0648\u064a\u062a\u0648\u0627\u0641\u0642 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0627\u0644\u0633\u0648\u064a\u0633\u0631\u064a \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u0639\u0627\u0645 2023 \u0628\u0634\u0643\u0644 \u0648\u062b\u064a\u0642 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a. \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062a\u0634\u0641\u064a\u0631\u060c \u0648\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0648\u0635\u0648\u0644\u060c \u0648\u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0639\u0646 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0641\u064a \u063a\u0636\u0648\u0646 72 \u0633\u0627\u0639\u0629\u060c \u0648\u0636\u0645\u0627\u0646 \u0623\u0645\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ESG_and_climate-related_compliance\"><\/span>\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0628\u064a\u0626\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0645\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0646\u0627\u062e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u063a\u0637\u064a \u0625\u0641\u0635\u0627\u062d\u0627\u062a \u0641\u0631\u0642\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0639\u0646\u064a\u0629 \u0628\u0627\u0644\u0625\u0641\u0635\u0627\u062d\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0646\u0627\u062e (TCFD) \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0645\u0642\u0627\u064a\u064a\u0633. \u062a\u0635\u0646\u0641 \u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0644\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0639\u0644\u0649 \u0623\u0646\u0647\u0627 \u0627\u0644\u0645\u0627\u062f\u0629 8 \u0623\u0648 9 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629. \u062a\u0642\u064a\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0634\u0643\u0644 \u0645\u062a\u0632\u0627\u064a\u062f \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u0627\u062e \u0648\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0648\u062a\u0642\u062f\u0645 \u062a\u0642\u0627\u0631\u064a\u0631 \u0628\u0634\u0623\u0646\u0647\u0627.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0628\u0633\u064a\u0637 \u0645\u0646\u0635\u0629 InvestGlass \u0647\u0630\u0647 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0646\u0638\u0627\u0645 \u0645\u062a\u0643\u0627\u0645\u0644 \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 (KYC)\u060c \u0648\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0636\u0645\u0646 \u0628\u064a\u0626\u0629 \u0648\u0627\u062d\u062f\u0629 \u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629\u060c \u0645\u0633\u062a\u0636\u0627\u0641\u0629 \u0641\u064a \u0633\u0648\u064a\u0633\u0631\u0627 \u0623\u0648 \u0645\u062b\u0628\u062a\u0629 \u0645\u062d\u0644\u064a\u0627\u064b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consequences_of_non_compliance_for_banks\"><\/span>\u0639\u0648\u0627\u0642\u0628 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0628\u0646\u0648\u0643<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062d\u0648\u0644\u062a \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0646\u062d\u0648 \u0645\u0648\u0642\u0641 \u0639\u062f\u0645 \u0627\u0644\u062a\u0633\u0627\u0645\u062d \u0645\u0637\u0644\u0642\u0627\u064b\u060c \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0628\u0634\u0643\u0644 \u0645\u062a\u0632\u0627\u064a\u062f \u0639\u0644\u0649 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0633\u0644\u0648\u0643 \u0648\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629. \u0625\u0646 \u0623\u0646\u0638\u0645\u0629 \u0645\u0633\u0627\u0621\u0644\u0629 \u0643\u0628\u0627\u0631 \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0646\u060c \u0645\u062b\u0644 \u0646\u0638\u0627\u0645 \u0643\u0628\u0627\u0631 \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0646 \u0648\u0627\u0644\u0634\u0647\u0627\u062f\u0627\u062a (SMCR) \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u062a\u062c\u0639\u0644 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u064a\u0646 \u0645\u0633\u0624\u0648\u0644\u064a\u0646 \u0634\u062e\u0635\u064a\u0627\u064b \u0639\u0646 \u0625\u062e\u0641\u0627\u0642\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_penalties\"><\/span>\u0627\u0644\u0639\u0648\u0628\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0638\u0647\u0631 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0630 \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u062a\u0635\u0627\u0639\u062f \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0645\u0624\u0633\u0633\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0633\u0646\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0639\u0642\u0648\u0628\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0645\u062e\u0627\u0644\u0641\u0629<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0628\u0646\u0643 \u062a\u0648\u0631\u0648\u0646\u062a\u0648 \u062f\u0648\u0645\u064a\u0646\u064a\u0648\u0646<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2024<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3.09 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a \u0642\u0627\u0646\u0648\u0646 \u0633\u0631\u064a\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 (\u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0639\u0646 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0645\u0634\u0628\u0648\u0647 \u0623\u0648 \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u0627\u0643\u062a\u0634\u0627\u0641\u0647)<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u062f\u0627\u0646\u0633\u0643\u064a \u0628\u0627\u0646\u0643<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2023<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0644\u064a\u0627\u0631\u064a \u064a\u0648\u0631\u0648<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0642\u0635\u0648\u0631 \u0641\u064a \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 (\u0636\u0648\u0627\u0628\u0637 \u063a\u064a\u0631 \u0643\u0627\u0641\u064a\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644)<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0648\u064a\u0644\u0632 \u0641\u0627\u0631\u062c\u0648<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2020<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0641\u0636\u064a\u062d\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0632\u064a\u0641\u0629 (\u0625\u0646\u0634\u0627\u0621 \u062d\u0633\u0627\u0628\u0627\u062a \u0639\u0645\u0644\u0627\u0621 \u063a\u064a\u0631 \u0645\u0635\u0631\u062d \u0628\u0647\u0627)<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Non-financial_consequences\"><\/span>\u0639\u0648\u0627\u0642\u0628 \u063a\u064a\u0631 \u0645\u0627\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0648\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a\u060c \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0645\u062e\u0627\u0637\u0631 \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0642\u064a\u0648\u062f \u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062d\u062f\u0648\u062f \u0627\u0644\u0623\u0635\u0648\u0644<\/li><li>\u0633\u062d\u0628 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0642\u0633\u0631\u0627\u064b<\/li><li>\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u062a\u064a \u062a\u0643\u0644\u0641\u062a \u0645\u0644\u064a\u0627\u0631\u0627\u062a<\/li><li>\u062a\u0623\u062e\u0631 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u062a\u0631\u0627\u062e\u064a\u0635 \u0644\u0644\u0648\u0644\u0627\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629<\/li><li>\u0627\u0644\u0625\u0636\u0627\u0641\u0627\u062a \u0627\u0644\u0631\u0623\u0633\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0641\u0631\u0636\u0647\u0627 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 (\u0628\u062d\u062f \u0623\u0642\u0635\u0649 5% \u0648\u0641\u0642\u064b\u0627 \u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (ECB))<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reputational_damage\"><\/span>\u0636\u0631\u0631 \u0628\u0627\u0644\u0633\u0645\u0639\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0633\u0647\u0645 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0648\u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0641\u064a \u062a\u0633\u0631\u064a\u0639 \u062a\u0623\u062b\u064a\u0631 \u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0625\u062e\u0644\u0627\u0644 \u0628\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644. \u0641\u0642\u062f \u0634\u0647\u062f \u0628\u0646\u0643 \u0633\u064a\u0644\u064a\u0643\u0648\u0646 \u0641\u0627\u0644\u064a \u0647\u0631\u0648\u0628\u0627\u064b \u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u063a\u0636\u0648\u0646 \u0633\u0627\u0639\u0627\u062a \u0628\u0645\u062c\u0631\u062f \u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a\u0647. \u0648\u064a\u0624\u062f\u064a \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0630\u064a \u064a\u0644\u062d\u0642 \u0628\u0627\u0644\u0633\u0645\u0639\u0629 \u0625\u0644\u0649 \u062a\u0622\u0643\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629\u060c \u0648\u062a\u0636\u0631\u0631 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0645\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0648\u062a\u0631\u0627\u062c\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Operational_impacts\"><\/span>\u0627\u0644\u0622\u062b\u0627\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u0624\u062f\u064a \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0625\u0644\u0649 \u0627\u0633\u062a\u0646\u0632\u0627\u0641 \u0648\u0642\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0644\u064a\u0627\u060c \u0648\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0639\u0645\u0644\u064a\u0629 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631\u060c \u0648\u064a\u0641\u0631\u0636 \u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0645\u0643\u0644\u0641\u0629 \u0644\u0644\u0646\u0638\u0645. \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0633\u062a\u0647\u0644\u0643 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u0635\u062d\u064a\u062d \u0645\u0627 \u0628\u064a\u0646 10 \u064820% \u0645\u0646 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0625\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0646\u0635\u0627\u062a \u0630\u0627\u062a \u0633\u064a\u0627\u062f\u0629 \u0648\u062d\u0633\u0646\u0629 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0645\u062b\u0644 InvestGlass\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0645\u0633\u0627\u0631\u0627\u062a \u062a\u062f\u0642\u064a\u0642 \u0634\u0641\u0627\u0641\u0629 \u0648\u0645\u0643\u062a\u0628\u0627\u062a \u062a\u062d\u0643\u0645 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0643\u0648\u064a\u0646\u060c \u064a\u0642\u0644\u0644 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0645\u0646 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0648\u062a\u0623\u062b\u064a\u0631 \u0627\u062e\u0641\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Building_an_effective_banking_compliance_framework\"><\/span>\u0628\u0646\u0627\u0621 \u0625\u0637\u0627\u0631 \u0639\u0645\u0644 \u0641\u0639\u0627\u0644 \u0644\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064a\u062a\u0648\u0642\u0639 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0625\u0637\u0627\u0631 \u0627\u0645\u062a\u062b\u0627\u0644 \u0645\u0647\u064a\u0643\u0644\u0627\u064b \u0648\u0645\u0648\u062b\u0642\u0627\u064b \u064a\u063a\u0637\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0629\u060c \u0648\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629\u060c \u0648\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629. \u0648\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u060c \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0639\u062a\u0645\u0627\u062f \u062c\u0647\u0648\u062f \u0627\u0633\u062a\u0628\u0627\u0642\u064a\u0629 \u0648\u0645\u0633\u062a\u0645\u0631\u0629\u060c \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0637\u0631 \u0639\u0645\u0644 \u0634\u0627\u0645\u0644\u0629 \u0648\u062a\u0642\u064a\u064a\u0645 \u0645\u0633\u062a\u0645\u0631 \u0644\u0644\u0643\u0634\u0641 \u0639\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Governance_arrangements\"><\/span>\u062a\u0631\u062a\u064a\u0628\u0627\u062a \u0627\u0644\u062d\u0648\u0643\u0645\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0636\u0639 \u0627\u0644\u0623\u0637\u0631 \u0627\u0644\u0641\u0639\u0627\u0644\u0629:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0645\u0646 \u0642\u0628\u0644 \u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0644\u062c\u0627\u0646 \u0645\u062e\u0627\u0637\u0631 \u0645\u062e\u0635\u0635\u0629 \u0645\u0639 \u0631\u0641\u0639 \u062a\u0642\u0627\u0631\u064a\u0631 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a\u0629<\/li><li>\u0646\u0645\u0648\u0630\u062c \u00ab\u062e\u0637\u0648\u0637 \u0627\u0644\u062f\u0641\u0627\u0639 \u0627\u0644\u062b\u0644\u0627\u062b\u0629\u00bb \u0627\u0644\u0645\u062d\u062f\u062f \u0628\u0648\u0636\u0648\u062d (\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u0645\u0633\u062a\u0642\u0644)<\/li><li>\u0645\u0633\u0624\u0648\u0644 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0645\u0639 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0625\u0644\u0649 \u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629<\/li><li>\u0645\u0633\u0627\u0631\u0627\u062a \u062a\u0635\u0639\u064a\u062f \u0648\u0627\u0636\u062d\u0629 \u0644\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0645\u0647\u0645\u0629<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regulatory_inventory\"><\/span>\u062d\u0635\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u0646\u0628\u063a\u064a \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u062c\u062f\u0648\u0644 \u062c\u0631\u062f \u0631\u0633\u0645\u064a \u064a\u0631\u0628\u0637 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0628\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u062d\u062f\u062f\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u062a\u0648\u062c\u064a\u0647 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062b\u0627\u0646\u064a (PSD2)<\/li><li>\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0633\u0644\u0648\u0643 \u0648\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0628\u0645\u0648\u062c\u0628 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0641\u064a \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a (MiFID II)<\/li><li>\u0623\u062d\u0643\u0627\u0645 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629<\/li><li>\u0644\u0648\u0627\u0626\u062d \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (\u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (GDPR)\u060c \u0642\u0627\u0646\u0648\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0641\u064a \u0643\u0627\u0644\u064a\u0641\u0648\u0631\u0646\u064a\u0627 (CCPA)\u060c \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0627\u0644\u0633\u0648\u064a\u0633\u0631\u064a \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (FADP))<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062a\u0637\u0644\u0628 \u0647\u0630\u0627 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u062a\u062d\u062f\u064a\u062b\u0627\u064b \u0645\u0631\u062a\u064a\u0646 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0645\u0639 \u062d\u062f\u0648\u062b \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_assessments\"><\/span>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062c\u0628 \u0639\u0644\u0649 \u0641\u0631\u0642 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0625\u062c\u0631\u0627\u0621 \u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0645\u0646\u062a\u0638\u0645\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0643\u0627\u0645\u0646\u0629 \u0648\u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u0644\u0643\u0644 \u062e\u0637 \u0623\u0639\u0645\u0627\u0644 \u0648\u0643\u0644 \u0648\u0644\u0627\u064a\u0629 \u0642\u0636\u0627\u0626\u064a\u0629. \u0648\u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0643\u0623\u0633\u0627\u0633 \u0644\u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0648\u062e\u0637\u0637 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631. \u0648\u062a\u062e\u0636\u0639 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0645\u062b\u0644 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0639\u0631\u0636\u064a\u0646 \u0633\u064a\u0627\u0633\u064a\u0627\u064b \u0623\u0648 \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0644\u0631\u0642\u0627\u0628\u0629 \u0645\u0634\u062f\u062f\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Policies_and_procedures\"><\/span>\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u0631\u062c\u0645 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0643\u062a\u0648\u0628\u0629 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0625\u0644\u0649 \u062e\u0637\u0648\u0627\u062a \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u064a\u0648\u0645\u064a\u0629 \u0644\u0645\u0648\u0638\u0641\u064a \u0627\u0644\u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0623\u0645\u0627\u0645\u064a\u0629\u060c \u0641\u0631\u0642 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u0648\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u062f\u0639\u0645. \u0627\u0644\u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0627\u0644\u063a\u0627\u0645\u0636\u0629 \u062a\u0641\u0634\u0644 \u0641\u064a \u0627\u062c\u062a\u064a\u0627\u0632 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0641\u062a\u064a\u0634 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u061b \u0623\u0645\u0627 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0648\u0627\u0644\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0646\u0641\u064a\u0630 \u0641\u062a\u0646\u062c\u062d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Training_and_culture\"><\/span>\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0648\u0627\u0644\u062b\u0642\u0627\u0641\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0634\u0645\u0644 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0641\u0639\u0627\u0644\u0629:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u062a\u062f\u0631\u064a\u0628 \u0633\u0646\u0648\u064a \u0625\u0644\u0632\u0627\u0645\u064a \u064a\u0634\u0645\u0644 95% \u0645\u0646 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646<\/li><li>\u0627\u0644\u0648\u062d\u062f\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u0629 \u0644\u0644\u0623\u062f\u0648\u0627\u0631 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/li><li>\u0648\u0631\u0634 \u0639\u0645\u0644 \u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0646\u0627\u0631\u064a\u0648<\/li><li>\u0645\u0642\u0627\u064a\u064a\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u062a\u064a \u062a\u0643\u0627\u0641\u0626 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0644\u062a\u0632\u0645<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Independent_testing\"><\/span>\u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0633\u062a\u0642\u0644<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062c\u0631\u0649 \u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u0645\u0631\u0627\u062c\u0639\u0627\u062a \u062f\u0648\u0631\u064a\u0629\u060c \u0648\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0639\u064a\u0651\u0650\u0646\u0629 \u0644\u0644\u0645\u0644\u0641\u0627\u062a\u060c \u0648\u0645\u0631\u0627\u062c\u0639\u0627\u062a \u0645\u0648\u0636\u0648\u0639\u064a\u0629 \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u062c\u0627\u0644\u0627\u062a \u0645\u062b\u0644 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0648\u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a\u060c \u0648\u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0647\u0646\u064a\u060c \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0631\u062f\u064a\u0646.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0648\u062d\u0651\u062f \u0645\u0646\u0635\u0629 \u0625\u0646\u064a\u0641\u0633\u062a \u063a\u0644\u0627\u0633 (InvestGlass) \u0627\u0644\u0648\u062b\u0627\u0626\u0642\u060c \u0648\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a\u060c \u0648\u0627\u0644\u0634\u0647\u0627\u062f\u0627\u062a\u060c \u0648\u0627\u0644\u0623\u062f\u0644\u0629 \u0641\u064a \u0645\u0646\u0635\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0645\u0645\u0627 \u064a\u062a\u064a\u062d \u0644\u0644\u0628\u0646\u0648\u0643 \u062a\u0646\u0641\u064a\u0630 \u0647\u0630\u0647 \u0627\u0644\u0645\u0643\u0648\u0646\u0627\u062a \u0628\u0634\u0643\u0644 \u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Core_compliance_roles_and_responsibilities_in_a_bank\"><\/span>\u0627\u0644\u0623\u062f\u0648\u0627\u0631 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0641\u064a \u0627\u0644\u0628\u0646\u0643<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0647\u0648 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u062a\u0634\u0645\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0628\u0623\u0643\u0645\u0644\u0647\u0627 \u0648\u062a\u0645\u062a\u062f \u0625\u0644\u0649 \u0645\u0627 \u0647\u0648 \u0623\u0628\u0639\u062f \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Board_and_senior_management\"><\/span>\u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0648\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0644\u064a\u0627<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0631\u0633\u062e \u0645\u062c\u0627\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062a\u0648\u062c\u0647 \u0645\u0646 \u0627\u0644\u0642\u0645\u0629 \u0648\u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629. \u0648\u062a\u062d\u062a \u0623\u0646\u0638\u0645\u0629 \u0645\u062b\u0644 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0646 \u0627\u0644\u0643\u0628\u0627\u0631 \u0648\u0646\u0638\u0627\u0645 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f (SMCR) \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062f\u064a\u0631\u0648\u0646 \u0627\u0644\u0643\u0628\u0627\u0631 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0634\u062e\u0635\u064a\u0629 \u0639\u0646 \u0645\u062c\u0627\u0644\u0627\u062a\u0647\u0645. \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0623\u0639\u0636\u0627\u0621 \u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u062a\u062d\u062f\u064a \u0627\u0644\u0625\u062f\u0627\u0631\u0629\u060c \u0648\u0636\u0645\u0627\u0646 \u062d\u0635\u0648\u0644 \u062c\u0647\u0648\u062f \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0643\u0627\u0641\u064a\u0629\u060c \u0648\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u0634\u0647\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compliance_function\"><\/span>\u0648\u0638\u064a\u0641\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0642\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0628\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monitoring regulatory changes (500+ annually in major jurisdictions)<\/li><li>Advising business units on regulatory expectations<\/li><li>Approving high-risk clients and products<\/li><li>Conducting thematic reviews<\/li><li>Reporting breaches to regulatory authorities<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Front-office_responsibilities\"><\/span>\u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0645\u0627\u0645\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d8%a3%d9%81%d8%b6%d9%84-%d8%a7%d9%84%d8%a7%d8%b3%d8%aa%d8%b1%d8%a7%d8%aa%d9%8a%d8%ac%d9%8a%d8%a7%d8%aa-%d9%84%d8%a5%d8%af%d8%a7%d8%b1%d8%a9-%d8%a7%d9%84%d8%b9%d9%84%d8%a7%d9%82%d8%a7%d8%aa-%d8%a7\/\" target=\"_self\">\u0645\u062f\u064a\u0631\u0648 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a<\/a> and client-facing staff conduct regular risk assessments at the point of client contact:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KYC (Know Your Customer) collection and verification<\/li><li>Suitability assessments aligned with Fair Credit Reporting Act (FCRA, a US law promoting accuracy and fairness in credit reporting) and Equal Credit Opportunity Act (ECOA, a US law prohibiting discrimination in lending) requirements<\/li><li>Transaction justification<\/li><li>Accurate record-keeping<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_management_and_internal_audit\"><\/span>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Risk functions act as the second line, challenging business practices and assessing risks. Internal audit provides third-line assurance, independently testing control effectiveness across the compliance process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Outsourcing_and_third-party_risk\"><\/span>\u0627\u0644\u0627\u0633\u062a\u0639\u0627\u0646\u0629 \u0628\u0645\u0635\u0627\u062f\u0631 \u062e\u0627\u0631\u062c\u064a\u0629 \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Responsibility remains with the bank even when activities such as cloud hosting or KYC screening are delegated to external providers. Banking institutions must assess risks posed by third parties and maintain oversight of outsourced functions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass supports clear role-based access controls, approval workflows, and detailed logs documenting who performed what action and when, strengthening governance and accountability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Challenges_in_achieving_compliance\"><\/span>\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Achieving regulatory compliance in the banking sector is a complex and ongoing endeavour, shaped by the ever-evolving landscape of regulatory requirements and heightened expectations from regulatory authorities. Financial institutions must navigate a multitude of laws and standards, such as the General Data Protection Regulation (GDPR), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (a US law requiring financial institutions to assist government agencies in detecting and preventing money laundering), Electronic Fund Transfer Act (EFTA, a US law protecting consumers in electronic payments), and the California Consumer Privacy Act (CCPA, a US law enhancing privacy rights for California residents), each imposing distinct obligations on data protection, consumer rights, and operational transparency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Keeping_Pace_with_Regulatory_Changes\"><\/span>\u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One of the foremost challenges is keeping pace with frequent regulatory changes. Compliance teams are required to monitor updates across multiple jurisdictions, interpret new rules, and adapt internal policies accordingly. This demands a proactive approach, with regular risk assessments to identify emerging compliance risks, particularly in areas such as anti money laundering (AML), counter terrorism financing, and operational risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Implementing_Internal_Controls\"><\/span>\u062a\u0641\u064a\u0630 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Implementing effective internal controls is another significant hurdle. Financial institutions must ensure that their systems and processes are robust enough to meet regulatory requirements, including those set out in the Bank Secrecy Act (a US law requiring financial institutions to assist government agencies in detecting and preventing money laundering), Leach-Bliley Act (GLBA, a US law requiring financial institutions to explain their information-sharing practices and protect sensitive data), and consumer protection laws. This involves establishing clear procedures for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Customer due diligence<\/li><li>\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/li><li>Reporting suspicious transactions to bodies such as the Financial Crimes Enforcement Network (FinCEN, a US bureau combating financial crimes)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vendor_Management\"><\/span>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u0627\u0626\u0639\u064a\u0646<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vendor management presents additional complexity. As banks increasingly rely on third-party providers for services such as cloud hosting, digital onboarding, and KYC screening, they must ensure that these partners also adhere to relevant regulatory standards. Ongoing monitoring and assessment of vendor compliance is essential to manage risks and avoid potential breaches.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fostering_a_Compliance_Culture\"><\/span>\u062a\u0639\u0632\u064a\u0632 \u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A strong compliance programme is underpinned by regular audits, comprehensive training, and a culture that prioritises ethical conduct. Compliance officers and senior management play a critical role in fostering this environment, ensuring that all staff understand their responsibilities and that compliance is integrated into daily operations. Regular training and awareness initiatives help embed compliance into the organisational culture, while performance incentives encourage staff to report concerns and uphold regulatory standards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_regulatory_regimes_affecting_banks\"><\/span>\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although each jurisdiction maintains unique rules, recurring regulatory themes affect almost every bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capital_and_prudential_regulation\"><\/span>\u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a \u0648\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Basel III finalisation (often called Basel IV) reaches completion in 2025, introducing output floors at 72.5% of internal model calculations. European CRR\/CRD (Capital Requirements Regulation\/Directive) packages implement these standards, while Swiss too big to fail rules impose additional capital buffers up to 10% CET1 for systemically important institutions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AML_and_CTF_obligations\"><\/span>\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banks must implement customer due diligence programmes including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d9%85%d8%a7-%d9%87%d9%88-%d8%a7%d9%84%d8%aa%d8%ad%d9%82%d9%82-%d9%85%d9%86-%d8%a7%d9%84%d9%87%d9%88%d9%8a%d8%a9-%d9%88%d9%83%d9%8a%d9%81-%d9%8a%d8%b9%d9%85%d9%84%d8%9f\/\" target=\"_self\">\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629<\/a> using biometrics (achieving 95% accuracy)<\/li><li>Enhanced due diligence for high-risk clients<\/li><li>Politically exposed person monitoring<\/li><li>Reporting suspicious transactions<\/li><li>Five-year record retention<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The Financial Crimes Enforcement Network (FinCEN) oversees US reporting requirements, while EU directives mandate public beneficial ownership registers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"KYC_and_digital_onboarding\"><\/span>\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643 \u0648\u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0627\u0644\u0631\u0642\u0645\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Remote onboarding accelerated 300% during the COVID-19 pandemic. Identity verification through video and eIDAS (Electronic Identification, Authentication and Trust Services)-compliant electronic signatures became standard. Banks must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verify identity<\/li><li>Confirm beneficial ownership<\/li><li>Conduct risk-based profiling<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sanctions_screening\"><\/span>\u0641\u062d\u0635 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banks screen against multiple sanctions lists:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OFAC (Office of Foreign Assets Control) Specially Designated Nationals list (10,000+ entries)<\/li><li>EU consolidated sanctions<\/li><li>UK autonomous sanctions<\/li><li>UN Security Council designations<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Real-time screening of payments and clients is mandatory, with lists updated weekly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Data_protection\"><\/span>\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">GDPR\u2019s (General Data Protection Regulation) seven principles govern personal data processing across the EU. Banks must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Conduct data protection impact assessments<\/li><li>Appoint data protection officers<\/li><li>Report breaches within 72 hours<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conduct_and_product_governance\"><\/span>\u062d\u064e\u0648\u0652\u0643\u064e\u0645\u064e\u0629\u064f \u0627\u0644\u0633\u0651\u064f\u0644\u0648\u0650\u0643\u0650 \u0648\u0627\u0644\u0645\u064f\u0646\u0652\u062a\u064e\u062c\u064e\u0627\u062a\u0650<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">MiFID II (Markets in Financial Instruments Directive II), the Consumer Protection Act provisions, and local regulations like the Real Estate Settlement Procedures Act (RESPA, a US law protecting consumers in real estate transactions) and Electronic Fund Transfer Act (EFTA) govern how banks interact with retail customers. The Lending Act and truth in lending requirements mandate clear disclosure of terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass supports these regimes through configurable KYC forms, screening integrations, suitability questionnaires, and secure data hosting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cross-border_and_multi-jurisdictional_compliance\"><\/span>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0639\u0628\u0631 \u0627\u0644\u062d\u062f\u0648\u062f \u0648\u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635\u0627\u062a \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many banks and wealth managers serve clients across multiple countries, introducing complex cross-border compliance challenges.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regulatory_divergence\"><\/span>\u0627\u0644\u062a\u0641\u0627\u0648\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Regulations differ significantly between regions:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0646\u0637\u0642\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Key Differences<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Strict data export rules, GDPR, MiFID II<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Post-Brexit divergence, FCA Consumer Duty<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0633\u0648\u064a\u0633\u0631\u0627<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Banking secrecy, FINMA supervision<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Gulf Cooperation Council<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Data localisation, Islamic finance<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0622\u0633\u064a\u0627 \u0648\u0627\u0644\u0645\u062d\u064a\u0637 \u0627\u0644\u0647\u0627\u062f\u0626<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Varied suitability standards<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conflicts_and_frictions\"><\/span>\u0627\u0644\u0635\u0631\u0627\u0639\u0627\u062a \u0648\u0627\u0644\u0627\u062d\u0643\u0627\u0643\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banks must reconcile strict EU data export rules (following Schrems II, a landmark EU court decision on data transfers) with foreign regulatory reporting requirements. Managing different suitability and investor categorisation rules across jurisdictions requires careful governance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Oversight_of_international_operations\"><\/span>\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Regulators expect comprehensive oversight of branches, subsidiaries, and booking centres. The ECB\u2019s (European Central Bank) Single Supervisory Mechanism (SSM) directly oversees banks holding EUR 30 trillion in assets with consolidated compliance reporting requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Using a central, sovereign platform like InvestGlass, where client data can be hosted in Switzerland or on-premise and segregated by jurisdiction, helps banks manage cross-border constraints while ensuring compliance and preserving client data control.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Technology_RegTech_and_automation_in_regulatory_compliance\"><\/span>\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 (RegTech)\u060c \u0648\u0627\u0644\u0623\u062a\u0645\u062a\u0629 \u0641\u064a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Manual, spreadsheet-based compliance processes cannot adequately handle the volume and complexity of regulatory obligations facing financial institutions in 2025 and beyond.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RegTech_categories\"><\/span>\u0641\u0626\u0627\u062a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0645\u0627\u0644\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Key technology categories supporting compliance in the financial sector include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital onboarding and eKYC (electronic Know Your Customer, achieving 99% fraud detection rates)<\/li><li><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/ai-%d9%81%d9%8a-%d9%85%d8%b1%d8%a7%d9%82%d8%a8%d8%a9-%d8%a7%d9%84%d9%85%d8%b9%d8%a7%d9%85%d9%84%d8%a7%d8%aa-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d8%a3%d9%85%d9%86-%d8%a7%d9%84%d9%85%d8%a7\/\" target=\"_self\">Transaction monitoring with AI<\/a> reducing false positives by 80%<\/li><li><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d9%81%d8%ad%d8%b5-%d8%a8%d9%8a%d8%a8-%d9%84%d9%84%d8%b9%d9%82%d9%88%d8%a8%d8%a7%d8%aa-%d8%af%d9%84%d9%8a%d9%84-%d8%a7%d9%84%d8%a7%d9%85%d8%aa%d8%ab%d8%a7%d9%84-%d8%a7%d9%84%d9%83%d8%a7%d9%85%d9%84\/\" target=\"_self\">Sanctions and PEP (Politically Exposed Person) screening<\/a> against multiple watchlists<\/li><li>Case management for investigations<\/li><li>Regulatory reporting automation<\/li><li>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Artificial_intelligence_applications\"><\/span>\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Machine learning identifies suspicious behaviours, reduces false positives in transaction monitoring, and highlights emerging risks. However, regulators require explainability of AI decisions, particularly in consumer compliance contexts. Financial reporting automation reduces manual errors and promotes financial stability through accurate data.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Secure_client_portals\"><\/span>\u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0622\u0645\u0646\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Modern client portals comply with both conduct and data privacy rules through strong authentication, consent management, and encrypted document exchange. Financial statements and portfolio information flow securely between institutions and clients.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"InvestGlass_capabilities\"><\/span>\u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a \u0625\u0646\u0641\u0633\u062a \u062c\u0644\u0627\u0633<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass delivers sovereign Swiss RegTech and CRM capabilities:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Integrated onboarding reducing processing time by 50%<\/li><li><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ar\/%d9%83%d9%8a%d9%81%d9%8a%d8%a9-%d8%a3%d8%aa%d9%85%d8%aa%d8%a9-%d8%a7%d9%84%d8%aa%d8%ad%d9%82%d9%82-%d9%85%d9%86-kyc-%d8%a3%d8%aa%d9%85%d8%aa%d8%a9-%d8%a7%d9%84%d9%84%d8%b9%d8%a8%d8%a9-%d9%88%d8%aa\/\" target=\"_self\">\u0623\u062a\u0645\u062a\u0629 \"\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643<\/a> with configurable risk scoring<\/li><li>Portfolio management integrated with compliance workflows<\/li><li>Marketing automation for regulated communications<\/li><li>Swiss or on-premise hosting independent of American or Chinese cloud providers<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Automation triggers alerts and approval workflows based on risk thresholds, supporting compliance strategies that scale with business growth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Data_sovereignty_privacy_and_the_InvestGlass_Swiss_approach\"><\/span>\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0648\u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0633\u0648\u064a\u0633\u0631\u064a \u0645\u0646 InvestGlass<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Data sovereignty (the concept that data is subject to the laws and governance structures of the country where it is stored) has become a strategic concern for banks as geopolitical tensions intensify and localisation debates continue.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_sovereignty_matters\"><\/span>\u0644\u0645\u0627\u0630\u0627 \u062a\u064f\u0639\u062f \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0645\u0647\u0645\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Data sovereignty means that data is subject to the laws and governance structures of the country where it is stored. The US CLOUD Act (Clarifying Lawful Overseas Use of Data Act) enables American authorities to compel disclosure of data held by US providers, regardless of where servers are physically located. Similar concerns apply to Chinese providers under national security legislation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many European institutions prefer keeping sensitive financial data within trusted jurisdictions to avoid extraterritorial access risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Swiss_model\"><\/span>\u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0633\u0648\u064a\u0633\u0631\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Switzerland offers a compelling alternative:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Political neutrality and stability<\/li><li>Strong banking secrecy tradition<\/li><li>Revised Federal Act on Data Protection (September 2023) aligned with GDPR<\/li><li>Independent judiciary and rule of law<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"InvestGlass_deployment_options\"><\/span>\u062e\u064a\u0627\u0631\u0627\u062a \u0646\u0634\u0631 InvestGlass<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass offers hosting in Swiss infrastructure or fully on-premise deployment. Banks, private banking institutions, asset managers, and public organisations retain full control of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Client data and configurations<\/li><li>Encryption keys<\/li><li>System access and audit logs<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This sovereign model supports compliance with GDPR, Swiss data protection law, and local banking secrecy requirements while delivering modern CRM, onboarding, and compliance automation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass is an ideal choice for institutions seeking to future-proof their compliance stack with a European, non-US, non-Chinese solution built specifically for regulated financial services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Practical_steps_and_checklist_for_enhancing_regulatory_compliance\"><\/span>\u062e\u0637\u0648\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u0648\u0642\u0627\u0626\u0645\u0629 \u062a\u062d\u0642\u0642 \u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This section provides actionable guidance that compliance officers and leaders can use immediately to assess and strengthen their frameworks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Gap_Analysis_and_Prioritisation\"><\/span>\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0641\u062c\u0648\u0627\u062a \u0648\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li>Conduct gap analysis against key regulations (Basel III, AML rules, data protection).<\/li>\n\n\n<li>Refresh the regulatory inventory with current requirements.<\/li>\n\n\n<li>Prioritise remediation based on risk and regulatory penalties exposure.<\/li>\n\n\n<li>Document findings for board reporting.<\/li>\n\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Governance_Upgrades\"><\/span>\u062a\u0631\u0642\u064a\u0627\u062a \u0627\u0644\u062d\u0648\u0643\u0645\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Clarify compliance department roles and reporting lines.<\/li><li>Update compliance committee terms of reference.<\/li><li>Establish direct escalation routes to board level.<\/li><li>Implement accountability mapping for senior management.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Technology_Modernisation\"><\/span>\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Replace fragmented processes with integrated platforms:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Current State<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Target State<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Spreadsheet tracking<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Automated workflow management<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Email-based approvals<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Digital approval with audit trails<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643 \u064a\u062f\u0648\u064a\u064b\u0627<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Automated customer due diligence<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Periodic reviews<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Process_Automation\"><\/span>\u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Implement or improve:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automated customer due diligence with risk-based triggers.<\/li><li>Transaction monitoring with ML (machine learning)-enhanced detection.<\/li><li>Sanctions screening against updated watchlists.<\/li><li>Periodic review workflows with escalation.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Culture_and_Training\"><\/span>\u0627\u0644\u062b\u0642\u0627\u0641\u0629 \u0648\u0627\u0644\u062a\u062f\u0631\u064a\u0628<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Conduct regular risk assessments of training effectiveness.<\/li><li>Deploy scenario exercises (AML typology simulations, data breach drills).<\/li><li>Link performance metrics to compliance outcomes.<\/li><li>Measure and manage risks through culture surveys.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass enables rapid execution of this banking regulatory compliance checklist through its sovereign CRM, digital onboarding, compliance workflow, and client portal capabilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_turning_regulatory_compliance_into_a_strategic_advantage\"><\/span>\u062e\u0627\u062a\u0645\u0629: \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0625\u0644\u0649 \u0645\u064a\u0632\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regulatory compliance in banking has evolved beyond penalty avoidance into a foundation for building resilient, trustworthy, and competitive institutions. The financial industry increasingly recognises that compliance capabilities differentiate market leaders from laggards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Integrated, technology-enabled compliance frameworks enable banks to respond to regulatory changes quickly while preserving client experience and operational efficiency. Ensuring regulatory compliance becomes more achievable when systems work together rather than in silos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Data sovereignty and control over critical systems are increasingly decisive factors for boards and regulators across the banking sector. European institutions in particular seek alternatives to American and Chinese technology dependencies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass offers a Swiss, sovereign, end-to-end platform combining CRM, digital onboarding, portfolio management, and compliance automation. For banks and wealth managers seeking a regulation-ready solution that protects client data sovereignty, InvestGlass provides a natural choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider assessing your current compliance and data sovereignty posture. Explore how adopting a sovereign platform can improve regulatory readiness and promote financial stability for the decade ahead.<\/p>","protected":false},"excerpt":{"rendered":"<p>Regulatory compliance is critical for protecting customers, maintaining trust, and ensuring the stability of the financial system. It defines how financial institutions protect customers, maintain market integrity, and safeguard the stability of the broader financial system. Banks operate within a framework of laws, prudential standards (prudential standards are regulatory requirements designed to ensure the financial [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":48971,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[968,1406],"class_list":["post-49327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-compliance","tag-regulation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Regulatory Compliance in Banking: Key Essentials<\/title>\n<meta name=\"description\" content=\"Understand the importance of regulatory compliance in banking for customer protection and financial system stability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/ar\/regulatory-compliance-in-banking\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Can Banks Improve Regulatory Compliance in a Changing Environment?\" \/>\n<meta property=\"og:description\" content=\"Regulatory compliance is critical for protecting customers, maintaining trust, and ensuring the stability of the financial system. 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