License types
Banks
Bankunan da ke karbar bashi na ajiya, daga bankunan kasuwanci zuwa bankuna na duniya da masu zaman kansu. An kwatanta a cikin tsarin 88. Adadin sune ƙananan ƙa'idodi daga kowane mai kulawa; bukatun hannun jari na gaskiya su ne mafi girma.
| Jurisdiction | Lasisi | Minimum capital | Layin lokaci | Risk |
|---|---|---|---|---|
| Austria Europe (EU) | Bank license (Konzession zum Betrieb von Bankgeschaeften), CRR credit institution ECB a kan wani kudurin da aka gabatar daga FMA | EUR 5,000,000 | CRD Art. 15: hukunci a cikin watanni shida na wani cikakke aikace-aikace da kuma a duk wani lamari a cikin watanni 12 na karɓar; the ECB sa'an nan yana da kwanakin aiki goma (extendable sau daya) don adawa da FMA draft | Standard |
| Belgium Europe (EU) | Ƙaramar hukuma (agrément) a matsayin wata kungiya ta bashi ECB kan wani kudurin hukunci na NBB (SSM) | EUR 6,200,000 | Mataki a cikin watanni 6 na wani fayil cikakke da kuma mafi tsawo watanni 12 bayan karɓar aikace-aikacen (Banking Act art. 12) | Standard |
| Cyprus Europe (EU) | Ma'aikaci ECB a kan shawara na CBC | EUR 5,000,000 | CRD art. 15: watanni shida daga wani cikakke aikace-aikace, da a duk wani hali 12 watanni | Standard |
| Estonia Europe (EU) | Authorisation of a credit institution ECB, on a proposal from Finantsinspektsioon | EUR 5,000,000 | Finantsinspektsioon: 6 zuwa watanni 12; hukunci a cikin watanni 6 na takardu cikakke kuma ba da daɗewa ba bayan watanni 12 bayan shigarwa | Standard |
| France Europe (EU) | Agrément as a credit institution (établissement de crédit) ECB on proposal of the ACPR | EUR 5,000,000 | watanni 6 daga cikin fayil mai cikakke, da kuma mafi yawan watanni 12 daga farkon gabatarwa (ACPR) | Standard |
| Germany Europe (EU) | Lasisi don gudanar da kasuwancin banki (CRR cibiyar bashi) ECB bisa shawarar BaFin | EUR 5,000,000 | BaFin dole ne ya yanke shawara cikin watanni 6 na takardu cikakke (KWG § 33(4)); CRD art. 15 caps the process at 12 months from receipt | Standard |
| Ireland Europe (EU) | Banking license (credit institution) ECB, with the application submitted to the Central Bank of Ireland | EUR 5,000,000 | CRD Art. 15: shawara cikin watanni 6 na wani cikakke aikace-aikace da kuma a kowane hali cikin watanni 12 na karɓar | Standard |
| Italy Europe (EU) | Banking license (autorizzazione all'attività bancaria) ECB on proposal of Banca d'Italia | EUR 10,000,000 | ECB hukuncin karshe cikin kwanaki 180 na karɓar aikace-aikacen (a karkashin tsawaita) kuma a kowane hali cikin watanni 12 | Standard |
| Lithuania Europe (EU) | Bank license (credit institution) ECB, on the basis of an assessment by the Bank of Lithuania (SSM) | EUR 5,000,000 | Dokar Banki art. 9 (11): hukunci a cikin watanni 6 na karɓar aikace-aikacen (ko takardu masu yawa), kuma a kowane hali a cikin watanni 12 | Standard |
| Lithuania Europe (EU) | ECB, bisa ga wani nazari da Bankin Lithuania ya yi (SSM) | EUR 1,000,000 | 9(11), watanni 6, da kuma a duk wani hali watanni 12 | Standard |
| Luxembourg Europe (EU) | Credit institution authorisation ECB on proposal of the CSSF | EUR 8,700,000 | CSSF ya bayyana wata 12-wata hukuma karshen lokaci ga shawarwarin lasisi; CRD art. 15 ya sanya watanni 6 daga wani cikakke fayil | Standard |
| Malta Europe (EU) | Lasisi na gudanar da kasuwancin banki (institution credit) ECB bisa shawara daga MFSA (SSM tsari mai kama da juna) | EUR 5,000,000 | MFSA ya kamata a yanke hukunci cikin watanni shida na karɓar (ko bayanin cikakke), kuma a kowane hali cikin watanni goma sha biyu (BR/01 para 37 zuwa 39; CRD art. 15) | Standard |
| Netherlands Europe (EU) | Lasisi na ci gaba da kasuwancin banki ECB, tare da shigarwar da DNB ta yi | EUR 5,000,000 | DNB: zamanin nazari na doka na makonni 26 daga shigar da fom; zai iya ɗaukar lokaci mai tsawo idan fayil ɗin bai cika ba | Standard |
| Poland Europe (EU) | KNF (Poland ita ce waje daga yankin euro da kuma SSM) | EUR 5,000,000 | Ba a samu wani lokaci na karshe na Poland ba a shafukan KNF; CRD art. 15 yana buƙatar yanke shawara cikin watanni 6 na shigarwa kuma a kowane hali cikin watanni 12 | Standard |
| Portugal Europe (EU) | ECB a kan shawara daga Banco de Portugal | Not published | CRD Art. 15: shawara cikin watanni 6 na wani cikakke aikace-aikace da kuma a kowane hali cikin watanni 12 na karɓar | Standard |
| Spain Europe (EU) | Authorization of a bank (entidad de crédito) ECB on proposal of the Banco de España | EUR 18,000,000 | Mataki a cikin watanni 6 na karɓar ko kammala fayil din kuma a kowane hali a cikin watanni 12; rashin magana yana nufin rashin amincewa (RD 84/2015 art. 3(2)) | Standard |
| Gibraltar Europe (non-EU) | Credit institution (Part 7 permission) GFSC | EUR 5,000,000 | Ba'a wallafa ba | Standard |
| Guernsey Europe (non-EU) | GFSC (Sashen Banki da Inshora) | Not published | Ba'a wallafa ba | Standard |
| Isle of Man Europe (non-EU) | Class 1(1) deposit taking license IOMFSA | Not published | IOMFSA sabis standard na watanni 6 daga wani cikakke shiri na ayuka; mafi tsawo idan ba'a cika ko matsalolin sun zo | Standard |
| Jersey Europe (non-EU) | JFSC | Not published | Ba'a wallafa ba | Standard |
| Liechtenstein Europe (non-EU) | FMA Liechtenstein (ba ECB haɗin gwiwa ba: Liechtenstein yana waje da yankin euro da kuma Single Supervisory Mechanism) | CHF 10,000,000 | FMA na yanke shawara cikin watanni shida na karɓar aikace-aikacen da aka cika; aikace-aikacen da aka bar ba a cika shi ba don watanni goma sha biyu an ƙi | Standard |
| Monaco Europe (non-EU) | Credit institution agrément (Monegasque bank or branch of a foreign credit institution) ACPR (banking operations), CCAF (financial activities) and the Monegasque Government (establishment) | Not published | Ba'a wallafa ba | Risk mai girma |
| Switzerland Europe (non-EU) | Lasisi na banki FINMA | CHF 10,000,000 | Ba'a wallafa ba | Standard |
| United Kingdom Europe (non-EU) | Sashe na 4A izinin karɓar ajiyar kudi (karbar izinin banki na Birtaniya) PRA, tare da amincewar FCA (dokar biyu) | Not published | A cikin watanni 12 daga ranar da aka karɓi takardar neman izinin, ko kuma a cikin watanni 6 daga ranar da aka kammala ta. | Standard |
| Bahrain Middle East | Bankunan Najeriya | BHD 100,000,000 | CBB na bayar da shawara a cikin kwanakin 60 na watanni bayan kammala shigar da takardar (Sashe na 44(e) na Dokar CBB, LR-3.1.14); dole ne a gabatar da bukatun da suka rage a cikin watanni 6 | Standard |
| Bahrain Middle East | Bankunan Najeriya | BHD 100,000,000 | 60 kwanakin kalanda daga wani cikakke aikace-aikace, kamar yadda ga bankuna na gargajiya | Standard |
| Qatar (QFC) Middle East | QFC Regulatory Authority | QAR 35,000,000 | Ba'a wallafa ba | Standard |
| Qatar (QFC) Middle East | Bankin Kasa na Najeriya Bankin Kasa na Najeriya | Not published | Ba'a wallafa ba | Standard |
| United Arab Emirates (onshore) Middle East | Bankin Cibiyar na UAE | AED 2,000,000,000 | Ba'a wallafa ba | Standard |
| United Arab Emirates (onshore) Middle East | Bankin Kasa na Najeriya | AED 1,000,000,000 | Ba'a wallafa ba | Standard |
| United Arab Emirates: Abu Dhabi Global Market (ADGM) Middle East | Financial Services Permission for Accepting Deposits (Category 1, or Category 5 for an Islamic Financial Institution managing a PSIAu) FSRA | USD 10,000,000 | Ba'a wallafa ba | Standard |
| United Arab Emirates: Dubai International Financial Centre (DIFC) Middle East | Lasisi na ci gaba da karɓar ajiya (Kategoriyya 1, ko Kategorya 5 ga wata cibiyar kudi ta Musulunci wacce ke gudanar da PSIA ba tare da iyaka ba) DFSA | USD 10,000,000 | Ba'a wallafa ba | Standard |
| Australia Asia-Pacific | APRA | AUD 15,000,000 | Ba'a wallafa ba | Standard |
| Australia Asia-Pacific | APRA | AUD 3,000,000 | Ba'a wallafa ba | Standard |
| Hong Kong Asia-Pacific | Lasisi na banki (bankuna masu lasisi) HKMA | HKD 300,000,000 | Ba'a wallafa ba | Standard |
| Hong Kong Asia-Pacific | Lasisi na banki na dijital (banki na zahiri) HKMA | HKD 300,000,000 | Ba'a wallafa ba | Standard |
| Hong Kong Asia-Pacific | HKMA | HKD 100,000,000 | Ba'a wallafa ba | Standard |
| Hong Kong Asia-Pacific | Shigar da kamfani mai karbar ajiya HKMA | HKD 25,000,000 | Ba'a wallafa ba | Standard |
| Japan Asia-Pacific | Banking license Prime Minister (delegated to the FSA Commissioner) | JPY 2,000,000,000 | Ba'a wallafa ba | Standard |
| Labuan (Malaysia) Asia-Pacific | Labuan FSA | Not published | Labuan FSA ta bayyana cewa za a yi aiki na kwanaki 30 (na yau da kullum) ko kuma kwanaki 15 (ta hanyar gaggawa) bayan an kammala shigar da takardar | Standard |
| Labuan (Malaysia) Asia-Pacific | Labuan FSA | MYR 10,000,000 | Ba'a wallafa ba | Standard |
| Labuan (Malaysia) Asia-Pacific | Kano digital bank license Kano FSA | MYR 200,000,000 | Ba'a wallafa ba | Standard |
| New Zealand Asia-Pacific | RBNZ | Not published | Ba'a wallafa ba | Standard |
| Philippines Asia-Pacific | Asusun ajiyar kudi na BSP | Not published | Ba'a wallafa ba | Standard |
| Philippines Asia-Pacific | Majalisar Kudi ta BSP | PHP 1,000,000,000 | Ba'a wallafa ba | Standard |
| Singapore Asia-Pacific | MAS | Not published | MAS states processing usually takes about three to four months once the application is completed | Standard |
| Singapore Asia-Pacific | MAS | SGD 100,000,000 | Game da watanni uku zuwa huɗu lokacin da aikace-aikacen ya cika | Standard |
| Singapore Asia-Pacific | Digital full bank license MAS | SGD 15,000,000 | Ba'a wallafa ba | Standard |
| Singapore Asia-Pacific | MAS | SGD 100,000,000 | Ba'a wallafa ba | Standard |
| Korea ta Kudu Asia-Pacific | FSC | KRW 100,000,000,000 | Ba'a wallafa ba | Standard |
| Korea ta Kudu Asia-Pacific | FSC | KRW 25,000,000,000 | Ba'a wallafa ba | Standard |
| Antigua and Barbuda Americas & Caribbean | Financial Services Regulatory Commission (Supervisor of International Banks and Trust Corporations) | USD 3,000,000 | FSRC ya kamata ta fitar da ko kuma ta musanta a cikin watanni 3 na karɓar aikace-aikacen, ko kuma a cikin kwanaki 14 na karɓar duk wani bayani na ƙarshe da aka buƙata | Standard |
| Antigua and Barbuda Americas & Caribbean | Licence to carry on banking business (domestic, ECCU) Eastern Caribbean Central Bank | XCD 20,000,000 | Bankin Cibiyar ya kamata ya ba da ko kuma ya ki a cikin watanni 6 na kammala aikace-aikace | Standard |
| Argentina Americas & Caribbean | Umarnin banki na kasuwanci Bankin Cibiyar Nijeriya | ARS 5,000,000,000 | Ba'a wallafa ba | Standard |
| Argentina Americas & Caribbean | Sashe na wata kungiya ta waje Bankin Cibiyar Nijeriya | ARS 5,000,000,000 | Ba'a wallafa ba | Standard |
| Bahamas Americas & Caribbean | Bankin jama'a da/ko lasisi na aminci Bankin Tsakiya na Bahamas | BSD 5,000,000 | Bankin Cibiyar ya bayyana wani lokaci na aiwatar da watanni 2 bayan an karɓi duk takardun | Standard |
| Bahamas Americas & Caribbean | Central Bank of The Bahamas | BSD 100,000 | Bankin Cibiyar ya bayyana wani lokaci na aiwatar da watanni 2 bayan an karɓi duk takardun | Standard |
| Barbados Americas & Caribbean | Bankin Cibiyar na Barbados (aikace-aikacen ga Minista a karkashin s. 41J) | BBD 4,000,000 | Ba'a wallafa ba | Standard |
| Barbados Americas & Caribbean | Bankin Cibiyar Barbados | BBD 4,000,000 | Ba'a wallafa ba | Standard |
| Bermuda Americas & Caribbean | Bermuda Monetary Authority, tare da Ministan Kudi na shawartar cewa tallafin ya dace da manufofin tattalin arziki da kudi na gwamnati | BMD 10,000,000 | Ba'a wallafa ba | Standard |
| Bolivia Americas & Caribbean | Licencia de funcionamiento de Banco Múltiple (multiple bank licence) Autoridad de Supervisión del Sistema Financiero | Paid-in capital in bolivianos equal to UFV 30,000,000 (art. 217). The UFV is an inflation-indexed unit, so the boliviano amount changes daily. The executive may raise the minimum by supreme decree but may not lower it (art. 155). | Ba'a wallafa ba | Risk mai girma |
| Bolivia Americas & Caribbean | Licencia de funcionamiento de Banco PYME (Licensiyar banki na kasuwanci mai ƙaranci da matsakaici) Bankin Duniya | Paid-in capital in bolivianos equal to UFV 18,000,000 (art. 217). | Ba'a wallafa ba | Risk mai girma |
| Bolivia Americas & Caribbean | Licencia de operación para sucursal de banco extranjero (foreign bank branch license) Bankin Duniya | Not published | Ba'a wallafa ba | Risk mai girma |
| Brazil Americas & Caribbean | Authorization of a commercial or multiple bank Bankin Duniya | BRL 56,000,000 | Ba'a wallafa ba | Standard |
| British Virgin Islands Americas & Caribbean | Kwamitin Ayyukan Kudi | USD 2,000,000 | Ba'a wallafa ba | Risk mai girma |
| British Virgin Islands Americas & Caribbean | Financial Services Commission | USD 1,000,000 | Ba'a wallafa ba | Risk mai girma |
| Canada Americas & Caribbean | Ma’aikatar Kudi (litattafai na patent) da kuma Mai kula da Makarantun Kudade (aikace-aikace) | CAD 5,000,000 | Ba'a wallafa ba | Standard |
| Canada Americas & Caribbean | Ma’aikatar Harkokin Kudi da Mai kula da Makarantun Harkokin Kudi | Not published | Ba'a wallafa ba | Standard |
| Cayman Islands Americas & Caribbean | Category "A" banking license Cayman Islands Monetary Authority | KYD 400,000 | CIMA dokar tana ba da lokaci na musamman na aiwatarwa na makonni 5 ga nau'in A lokacin da aka karɓi duk takardun shaida; fuskar bukatun lasisi ta ce game da makonni 6 zuwa 8 don cikakkun aikace-aikace. | Standard |
| Cayman Islands Americas & Caribbean | Category "B" banking license (including restricted "B") Cayman Islands Monetary Authority | KYD 400,000 | CIMA dokar tana ba da lokaci na sarrafawa na makonni 4 ga nau'in B bayan an karɓi duk takardun. | Standard |
| Chile Americas & Caribbean | Banki Ma'aikatar Kudi | CLF 800,000 | CMF na iya kin amincewa da shirin a cikin kwanaki 180 (art. 30), wanda za'a iya fadada shi sau ɗaya ta hanyar kwanaki 180 a cikin lokuta masu ban sha'awa. Bayan izinin kasancewar, CMF zai binciki shiryarwa a cikin kwanaki 90 kuma ya ba da izinin aiki a cikin kwanaki 30 (art. 31). | Standard |
| Chile Americas & Caribbean | Banki na waje Ma'aikatar Kudi | CLF 800,000 | Ba'a wallafa ba | Standard |
| Curaçao Americas & Caribbean | Lasisi na cibiyar bashi (cibiyar bashi ta cikin gida ko ta duniya) St. Maarten | Not published | CBCS na yanke shawara cikin kwanaki 60 na karɓar aikace-aikacen da aka cika (sashe na 7); Bankin na iya neman bayanan da suka ɓace a bayar a cikin kwanaki 30 | Standard |
| Dominica Americas & Caribbean | Financial Services Unit | USD 1,000,000 | Ba'a wallafa ba | Standard |
| Dominica Americas & Caribbean | Eastern Caribbean Central Bank | XCD 20,000,000 | ECCB ya kamata ya ba da ko kuma ya ki a cikin watanni shida na kammala aikace-aikacen | Standard |
| Mexico Americas & Caribbean | Autorización para organizarse y operar como institución de banca múltiple (comercial bank authorisation) Comisión Nacional Bancaria y de Valores, with the favourable opinion of the Banco de México | MXV 90,000,000 | Ba'a wallafa ba | Standard |
| Mexico Americas & Caribbean | Filial de institución financiera del exterior (bankin sashen wata cibiyar kudi ta waje) Comisión Nacional Bancaria y de Valores, bayan sauraron Banco de México | MXV 90,000,000 | Ba'a wallafa ba | Standard |
| Mexico Americas & Caribbean | Oficina de representación de entidad financiera del exterior (ofisi na wakiltar wata kungiya ta waje) Hukumar Kula da Harkokin Banki ta Kasa | Not published | Ba'a wallafa ba | Standard |
| Panama Americas & Caribbean | Licencia General (general banking license) Superintendencia de Bancos de Panamá | PAB 10,000,000 | Kwamishinan ya yanke hukunci a cikin kwanaki 90 daga ranar da aka kammala neman (art. 48) | Standard |
| Panama Americas & Caribbean | Licencia Internacional (international banking licence) Superintendencia de Bancos de Panamá | PAB 3,000,000 | Kwamishinan ya yanke hukunci a cikin kwanaki 90 daga ranar da aka kammala neman (art. 48) | Standard |
| Panama Americas & Caribbean | Licencia de Representación (representative office license) Superintendencia de Bancos de Panama | Not published | Kwamishinan ya yanke hukunci a cikin kwanaki 90 daga ranar da aka kammala neman (art. 48) | Standard |
| Mauritius Africa | Banking license Bank of Mauritius | MUR 400,000,000 | Ba'a wallafa ba | Standard |
| Mauritius Africa | Bankin Najeriya | MUR 200,000,000 | Ba'a wallafa ba | Standard |
| Mauritius Africa | Lasisi na banki don gudanar da kasuwancin banki na dijital kawai Bankin Mauritius | MUR 200,000,000 | Ba'a wallafa ba | Standard |
| Seychelles Africa | Banking license Central Bank of Seychelles | SCR 20,000,000 | CBS tabbatar da cika cikin kwanaki 30 kuma dole ne ya ba ko dakatar a cikin kwanaki 90 na wani cikakken aikace-aikace (FIA s.6) | Standard |
| Seychelles Africa | Bankunan Najeriya | USD 2,000,000 | Same FIA s.6 standard: hukunci a cikin kwanaki 90 na cikakke shigarwa | Standard |
| Afurka ta Kudu Afrika | Shigar da Banki (da izinin kafa shi bisa sashe na 12, shiga a karkashin sashe na 16) Ƙungiyar Ƙungiyoyin Kasuwanci ta Nijeriya (NCC) | ZAR 250,000,000 | 6 zuwa 9 watanni; dole ne a yi rajista cikin 12 watanni na izinin kafa | Standard |
| Afurka ta Kudu Afrika | Ƙarƙashin bankin haɗin gwiwa Prudential Authority | ZAR 10,000,000 | PA shiryarwa ga banki da musayar bankin lasisi: gabaɗaya 6 zuwa 9 watanni | Standard |
An lissafa tushe a kan kowace fuska na doka. Bayani kawai, ba shawara ta doka ba.