An fassara wannan shafi da na'ura daga Ingilishi kuma ba a duba shi ta wani mai fassara ba. Waɗannan kalmomi na doka da dokoki za su iya zama marasa daidaito. Fassarar Ingilishi ce mafi inganci. Ka karanta wannan shafi cikin Ingilishi
Ka yi magana da wani mai shawara

Ma'aikaci

Banki

Ka karɓi asusun ajiya, kuma ka bai wa bashi.

54Jurisdictions compared
USD 100kMafi ƙasƙanci mafi ƙarancin doka (ba buƙatar gaskiya ba)
Watan 9Tipical maximum timeline
17Regimes with a passport

Karanta

Ƙarfin Sunã mãsu zaman ginciri, a kan jũna.

The legal floor in each jurisdiction. It is a starting point for comparison, not a budget: the regulator sets the capital your bank will actually need.

  1. BahamasLasisi na banki da/ko aminci mai iyaka (tare da lasisi na amincin wanda aka nada)
    USD 100kBSD 100,000
  2. Cayman IslandsKategori "A" lasisin banki
    USD 488kKYD 400,000
  3. Cayman IslandsKategori "B" lasisin banki (ciki har da hana "B")
    USD 488kKYD 400,000
  4. South AfricaMutual bank registration
    USD 601kZAR 10,000,000
  5. British Virgin IslandsRestricted Class I and restricted Class II banking license
    USD 1mUSD 1,000,000
  6. DominicaLasisin banki na waje (na waje kawai, hadin waje/kogin teku, kogin teku kawai)
    USD 1mUSD 1,000,000
  7. LithuaniaSpecialised bank license
    USD 1.1mEUR 1,000,000
  8. BarbadosLasisin banki na samun kudin waje (Sashe IIIB)
    USD 2mBBD 4,000,000
  9. BarbadosCommercial bank license (Part II)
    USD 2mBBD 4,000,000
  10. British Virgin IslandsGeneral banking license
    USD 2mUSD 2,000,000
  11. SeychellesOffshore banking license
    USD 2mUSD 2,000,000
  12. AustraliaRestricted ADI license (restricted pathway)
    USD 2.1mAUD 3,000,000
  13. Labuan (Malaysia)Labuan investment banking license
    USD 2.4mMYR 10,000,000
  14. Antigua da BarbudaLasisin Banki na Duniya (Sashe na I, Sashe na II da Sashe na III)
    USD 3mUSD 3,000,000
  15. PanamaLicencia Internacional (international banking license)
    USD 3mPAB 3,000,000
  16. Hong KongShigar da kamfani mai karbar ajiya
    USD 3.2mHKD 25,000,000
  17. CanadaLetters patent of incorporation and order to begin and carry on business (Schedule I or Schedule II bank)
    USD 3.5mCAD 5,000,000
  18. BahamasBankuna na jama'a da/ko takardar shaidar aminci
    USD 5mBSD 5,000,000
  19. AustriaBank license (Konzession zum Betrieb von Bankgeschäften), CRRcredit institution
    USD 5.6mEUR 5,000,000
  20. CyprusAuthorization as a credit institution
    USD 5.6mEUR 5,000,000
  21. EstoniaAuthorisation of a credit institution
    USD 5.6mEUR 5,000,000
  22. FranceAgrément as a credit institution (établissement de crédit)
    USD 5.6mEUR 5,000,000
  23. GermanyLicense to conduct banking business (CRRcredit institution)
    USD 5.6mEUR 5,000,000
  24. IrelandBanking license (credit institution)
    USD 5.6mEUR 5,000,000
  25. LithuaniaBank license (credit institution)
    USD 5.6mEUR 5,000,000
  26. MaltaLicence to carry on the business of banking (credit institution)
    USD 5.6mEUR 5,000,000
  27. NetherlandsLicense to pursue the business of a bank
    USD 5.6mEUR 5,000,000
  28. PolandAuthorisation to establish a bank and authorization to begin activity (two-stage bank license)
    USD 5.6mEUR 5,000,000
  29. GibraltarCredi institution (Part 7 permission)
    USD 5.6mEUR 5,000,000
  30. BelgiumAuthorisation (agrément) as a credit institution
    USD 6.9mEUR 6,200,000
  31. Antigua da BarbudaLicense to carry on banking business (domestic, ECCU)
    USD 7.4mXCD 20,000,000
  32. DominicaLasisin banki (bankin kasuwanci na gida)
    USD 7.4mXCD 20,000,000
  33. Qatar (QFC)QFC izinin kasuwancin banki (deposit-taker)
    USD 9.6mQAR 35,000,000
  34. LuxembourgCredit institution authorisation
    USD 9.7mEUR 8,700,000
  35. United Arab Emirates: Abu Dhabi Global Market (ADGM)Financial Services Permission for Accepting Deposits (Category 1, or Category 5 for an Islamic Financial Institution managing a PSIAu)
    USD 10mUSD 10,000,000
  36. United Arab Emirates: Dubai International Financial Centre (DIFC)License to carry on Accepting Deposits (Category 1, or Category 5 for an Islamic Financial Institution managing a unrestricted PSIA)
    USD 10mUSD 10,000,000
  37. BermudaLasisi na banki, lasisin kamfanin ajiya ko lasisin banki mai iyaka
    USD 10mBMD 10,000,000
  38. PanamaLicencia General (general banking license)
    USD 10mPAB 10,000,000
  39. AustraliaAuthorised deposit-taking institution (ADI) license, direct pathway
    USD 10.4mAUD 15,000,000
  40. BrazilAutorização para funcionamento de banco comercial ou banco múltiplo (authorisation of a commercial or multiple bank)
    USD 11.2mBRL 56,000,000
  41. ItalyBanking license (autorizzazione all'attività bancaria)
    USD 11.2mEUR 10,000,000
  42. SingaporeDigital full bank license
    USD 11.7mSGD 15,000,000
  43. LiechtensteinBank license (Bewilligung als Bank)
    USD 12mCHF 10,000,000
  44. SwitzerlandBanking license
    USD 12mCHF 10,000,000
  45. JapanBanking license
    USD 12.6mJPY 2,000,000,000
  46. Hong KongLasisi na banki mai iyaka (bankuna masu iyakance lasisin)
    USD 12.7mHKD 100,000,000
  47. South AfricaBank registration (authorization to establish under s.12, registration under s.16)
    USD 15mZAR 250,000,000
  48. PhilippinesDigital bank license
    USD 15.9mPHP 1,000,000,000
  49. Koriya ta KuduAikacin banki na intanet kawai
    USD 18.6mKRW 25,000,000,000
  50. SpainAuthorisation of a bank (entidad de crédito)
    USD 20.1mEUR 18,000,000
  51. Hong KongLasisi na banki (bankuna masu lasisi)
    USD 38.2mHKD 300,000,000
  52. Hong KongLasisin banki na dijital (banki na zahiri)
    USD 38.2mHKD 300,000,000
  53. Labuan (Malaysia)Labuan digital bank license
    USD 48.9mMYR 200,000,000
  54. Koriya ta KuduDokar kasuwancin banki (bankin kasuwanci)
    USD 74.4mKRW 100,000,000,000
  55. SingaporeWholesale bank license
    USD 78mSGD 100,000,000
  56. SingaporeDigital wholesale bank license
    USD 78mSGD 100,000,000
  57. BahrainLasisin banki na gargajiya (sayarwa ko sayar da kaya)
    USD 266mBHD 100,000,000
  58. BahrainLasisin banki na Musulunci (sayarwa ko sayar da kaya)
    USD 266mBHD 100,000,000
  59. United Arab Emirates (onshore)Restricted Licence Bank
    USD 272.3mAED 1,000,000,000
  60. United Arab Emirates (onshore)Bank license (UAE-incorporated bank, specialized bank or branch of a foreign bank)
    USD 544.6mAED 2,000,000,000

Ba'a nuna ba (ba'a nuna adadin doka, ko kudi ba tare da adadin alaƙa ba): Portugal, Guernsey, Isle of Man, Jersey, Monaco, United Kingdom, Qatar (QFC), Labuan (Malaysia), New Zealand, Philippines, Singapore, Argentina, Bolivia, Canada, Chile, Curaçao, Mexico, Panama, Mauritius, Seychelles. Ka duba kowane shafi na shari'a.

Ana canjawa a ECB adadin alaƙa ko maɓallan hukuma na 2026-10-08. Matsakaicin log. Waɗannan sune mafi ƙarancin doka kawai: mai kula da tsarin ya sanya babban birnin kowane banki dole ne ya riƙe, kuma dole ne ya zama hannun jari na shareholders 'kansu.

Abin da ya gabata

Capital comes first.

A banki ne, ta hanyar fassarar, kasãla. Bãbu wata hanya zuwa ga lasisi ko wani saye ba tare da kuɗin kuɗinku ba, kuma aikace-aikacen da aka shigar ba tare da su ba an ƙi shi kuma yana zaune a kan rajista tare da wannan mai kulawa.

Abin da wani sabon banki ya kamata ya tallafawa (hasken gani, ba a daidaita)

Statutory minimumAbin da doka ta ce
Regulatory capital set for your planCapital buffersƘarfin aikiLicensing, systems, peopleWhat you will actually need
  • An tsara shi ne da mai kulawa. Mai kulawa yana daidaita kudin shiga ga shirin kasuwancinka, hoton haɗari da girma. Lambar a wannan shafin ita ce ta fuskar doka kawai.
  • Liquid and your own. Paid in, in cash, by identified shareholders with a documented source of wealth, before or at licenseing.
  • Mutane da kuma kudi. Manajoji da shugabanni da ke da kwarewa ta banki; masu kula da su suna ganawa da su.

Ba'a karɓa ba kamar babban littafi

  • Dukiyoyin da aka karbaKudin, ciki har da kudade da aka tabbatar a kan banki wanda kuke sayen ko ba da izini.
  • Sayarwa ko mai sayar da kudiSayarwa ba su biya kudin saye na bankinsu, kuma masu kulawa ba su amince da sayen da aka biya da kuɗin kansu.
  • Kayan aiki na takardaGarantiya ta banki, SBLCs, MTNs, kayan aikin da aka yi wa lease ko “da aka yi wa kudi”, kudade masu tarihi, zinariya ko shaidar ajiya.
  • “Da’awar kuɗaɗe” takarduWaƙoƙin jin daɗi, hotunan allo, rahotannin kuɗaɗen da aka hana ko kuɗaɗen da ba su ne naka ba da za a yi alkawari.
  • Baƙon da ba a bayyana sunansa baKudin daga masu zuba jari waɗanda ba a san su ba, aka yi musu bincike kuma aka amince da su a matsayin masu saka hannun jari.
  • Ba a canja ko ba a iya tantance dukiyarDukiyoyin da ba su da wata takarda, ma'anar doka ta arzikin da mai kula zai iya tabbatarwa.

Za mu iya samar da duk abin da wani sabon banki ke buƙata, daga shirin kasuwanci da aikace-aikace zuwa tsarin da asusun ma'aikata, sai dai dukiyar da mutanen da za su gudanar da shi. A gaban wani alkawari muna tabbatar da asalin, mallakar da shaidar kuɗaɗen da aka riƙe a cikin wani banki mai kulawa. Tambayar da ba za ta iya nuna wannan ba ba za a ɗauke ta ba.

The baseline of every bank

Ƙungiyoyi biyar Lissafi guda.

Duk wani yanki na doka ya bambanta, amma waɗannan biyar dole ne su kasance a wurin kafin a shigar da aikace-aikacen.

  1. 01Business plan

    Target kasuwanni, kayayyakin, uku zuwa biyar shekaru na tattalin arziki projections, manufofi da kuma hanyoyi.

  2. 02Capitalisation

    Kuɗaɗen da aka biya ta hanyar masu saka hannun jari waɗanda aka san su, a kan matsakaicin abin da mai kula da kuɗin ya ƙayyade ga shirinku.

  3. 03Key individuals

    A board da kuma gudanarwa tare da dogon banki sana'o'i, da kuma hadin kai da kuma hadarin jami'ai.

  4. 04IT systems

    Core banki, hadin gwiwa bincike, doka rahoton, baya ƙarshen da kuma gaba ƙarshe, tare da outsourcing mai kula da yarda.

  5. 05Correspondent relations

    Asusun banki da kuma samun damar tsarin biyan kuɗi, wanda ba tare da wani banki ba zai iya motsa kudi.

Prerequisite 1Aikin rubutu na daidai

Kudin da ake samu daga hannun jari wanda ke tabbatar da aiki na banki kuma ya bar wani yanki don kuskure a cikin shirin kasuwanci.

Prerequisite 2A bankin baya

Shugabanni da manajoji waɗanda ayyukansu a cikin banki mai kulawa zai iya tabbatarwa. sama da shekaru goma ana tsammanin su ne don manyan rawar, ashirin da ake so.

Prerequisite 3Wani shirin kasuwanci mai zurfi

Kasuwanci, kayayyakin aiki, da kuma duk wani tsari daga albarkatun mutum zuwa daidaituwa, tare da tasirinsa a kan tattalin arziki na gida.

Wanne banki

Onshore, offshore, private or digital.

Waɗanda suke canzawa shi ne wanda za ka iya ba da sabis, inda, da kuma yadda yawa mai kula zai yi tsammani.

Bankin Kasuwanci

Lasisi na gida: ajiya da ba da bashi ga mazauna. Mafi girman kasuwar hannun jari da mafi tsananin nazari.

Bankin kasa da kasa ko na waje

Lasisi a wuraren kasa da kasa (misali, Class B, Category 2 ko lasisi na banki na kasa da kasa) wanda ke ba da sabis ga masu zaman kansu kawai, yawanci tare da mafi ƙarancin hannun jari kuma babu ajiyar gida.

Bankuna na musamman

Manajan dukiya ga masu amfani da ka'ida. An ba shi lasisin banki, wanda ake yawan hada shi da lasisin aminci da na kudi.

Digital bank

A cikakke ko dakatar da lasisin ba tare da sassa. Regulators kallon mafi wuya a IT, outsourcing, cyber tsaro da kuma model na kudi.

The most common requirements

  • Aƙalla masu saka hannun jari biyu da ƙungiyar gudanarwa tare da tarihi mai kyau: babu bankwana, wanke kudi ko karya
  • Ma’aikatan banki masu kwarewa mai zurfi: sama da shekaru 10 ne na yau da kullum, 20 ko fiye ana so
  • Mai kula da biyayya, mai kula da haɗari da sauran ayyuka masu mahimmanci sunanan doka
  • A ofishin yanki da kuma gaskiya a wurin aiki
  • Manajoji da ke da kwarewa, kamar MBA daga wata cibiyar da aka kafa
  • Fullan bincike na baya akan kowanne manajan da mai saka hannun jari, a kullum ta wani kamfani na waje wanda mai kula ya zaba
  • Wannan shiri na farko na kasuwanci wanda aka shigar tare da shirin ayuka
  • Kashi da aka biya, na ruwa a lokacin shigarwa
  • Core banki da dokokin rahoton software a wuri kafin farawa

Daga taron farko zuwa wani banki mai aiki yakan ɗauki tsakanin watanni shida da shekaru uku, bisa ga doka da al'amari.

Lasisi na lokaci bai zama lasisi na banki ba

Wasu shawarwari sayar da "lokaci" ko "lokaci" lasisin. A cikin dokoki da su fitar da su, wani izinin lokaci kawai yana ba da damar kamfanin yin rajista da kuma kafa. Ba za ta iya ɗaukar ajiya ko onboard abokan ciniki har sai an ba da cikakken lasisin, da cikakken lasisin har yanzu yana buƙatar hannun jari, mutane da kuma amintacce shirin. Ka kwatanta shawarwari a kan wannan tushe.

The path

Daga shirin zuwa license.

Shirin da ake amfani da shi ga wannan lasisi. Duk wani tsari na mai kula da shi da kuma lokaci suna a kan shafinsa na shari'a.

  1. Tare-tare

    Business model, target kasuwanni da kuma dokoki da suka dace da su, ciki har da ma'aikacin shiga ga kuɗin ku.

  2. Abin amfani da farko

    Taron farko tare da mai kulawa don gwada sigar, tsarin mallakar da shirin jarin kafin shigarwa.

  3. Shirin Ayuka

    Tsarin kasuwanci, shekaru uku na kudi, kasafin kuɗi da kuma shirye-shiryen kuɗaɗe, gudanarwa, haɗari da AML ƙayyadaddun matakai, IT da fitarwa.

  4. Mai ƙididdigar halitta, mai kyau.

    Takaddun shaida na shareholders, manajoji da ma'aikatan aiki: suna, ƙwarewa, tushen kuɗaɗe.

  5. Review

    Tambayoyi daga masu kula, ziyarar wurin da kuma, a yankin Yuro, hukuncin ECB kan shawarar mai kula na kasa.

  6. License and mobilisation

    An ba da izini, a kan lokaci tare da sharudda ko farawa mai tsauri; an biya hannun jari, tsarin da ma'aikata a wurin.

  7. Go-live

    Ayyuka na farawa a karkashin kulawa mai ci gaba, rahoto da nazarin lokaci-lokaci.

Abin da mai kula zai tambaye ka

Fayil ɗin shirin ayuka.

  1. 01Business plan with three-year projections
  2. 02Taswirar jarin, shaidar kuɗaɗe da sanarwar jarin da aka yi wa notariyya daga kowanne mai saka hannun jari
  3. 03Yanar da kudin shiga da kuma darajar net ga kowanne mai saka hannun jari da kamfani mai kulawa
  4. 04Kashi na hannun jari da kuma darajar banki
  5. 05Kudin aikace-aikacen da aka tanada, an biya kafin a shigar
  6. 06Certificates of police and full background checks for all relevant persons
  7. 07Ci gaba da aiki da tarihi na ilimi na shugabanni da manajoji
  8. 08Ownership chart to the ultimate beneficial owners
  9. 09CVs da fit-and-proper for directors and key function holders
  10. 10Manajan haɗari, amincewa da tsarin bincike na cikin gida
  11. 11AML/CFT dokoki da kuma mai bayar da rahoton tsaftace kudi
  12. 12IT, outsourcing da kuma shirin aiki mai dorewa
  13. 13Duk wani shirin dawowa da shirin ceto na kudi

Before you apply

Ka karanta.

Mai shiryar da doka · 11 min

Yadda za a baiwa banki lasisi: daga shirin kasuwanci zuwa amincewa

Hanyar cikakke zuwa lasisin banki: kafin shigarwa, akwatin aikace-aikacen, kasuwar hannun jari, dace da daidaito, IT, AML, motsa jiki da tsare-tsaren lokaci na gaskiya.

10 min

Sayen wani banki: canji na kulawa da kwarewa holdings

Yadda ake amincewa da sayen bankuna masu lasisi da kamfanonin kudi: CRD Sashe na 22 zuwa 27, lokaci-lokaci, kulawa da kuma haske mai haske.

Bayani · 8 min

Mẽne ne banki?

Abin da doka ke sa wani kamfani banki, manyan nau'ikan banki, da abin da lasisin banki ya yarda da kuma ba ya yarda.

Bayani · 8 min

Ƙarfin kuɗi na banki da tsarin Basel

CET1, Tier 1 da kuma kasafin kudin, hadari-weighted dukiya, Basel III minimums da buffers, leverage ratio, da kasafin kudi na farko ga sabon bankuna.

Bayani · 9 min

Kuɗi da tallafi: LCR, NSFR, inshorar ajiya da mai bashi na ƙarshe

Yadda ake buƙatar bankuna su tsira daga wata wahalar kwanaki 30 da kuma tallafawa kansu cikin aminci, da kuma yadda inshorar ajiya da bashin banki na cibiyar ke cika tsarin tsaro.

Mataki na gaba

Ka samu wani plan na lasisi ga batunka.

Ka gaya mana game da ayyukanka, kasuwannin da ka ke da su a zuciyarka. Za mu amsa maka tare da dokokin da suka dace da kuma abin da kowane mai kula zai yi tsammani.

Request a licensing planKaranta duk dokoki