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Manual of Regulations for Banks
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FOREWORD
PREFACE
USER’S GUIDE
TABLE OF CONTENTS
POWERS OF THE BANGKO SENTRAL
001 EXAMINATION BY THE BANGKO SENTRAL
002 SUPERVISORY ENFORCEMENT POLICY
003 PROMPT CORRECTIVE ACTION FRAMEWORK
PART ONE – ORGANIZATION, MANAGEMENT AND ADMINISTRATION
A. CLASSIFICATIONS, POWERS AND OPERATIONS OF BANKS
101 CLASSIFICATIONS, POWERS AND SCOPE OF AUTHORITIES OF BANKS
101-B AUTHORITY OF THRIFT BANKS TO ISSUE FOREIGN LETTERS OF CREDIT AND PAY/ACCEPT/NEGOTIATE IMPORT/EXPORT DRAFTS/BILLS OF EXCHANGE
102 BASIC GUIDELINES IN ESTABLISHING DOMESTIC BANKS
103 LIBERALIZED ENTRY AND SCOPE OF OPERATIONS OF FOREIGN BANKS.
104 MERGERS AND ACQUISITIONS
105 ESTABLISHMENT/RELOCATION/VOLUNTARY CLOSURE/SALE OF BRANCHES/BRANCH-LITE UNITS
106 ESTABLISHMENT OF SUB-BRANCHES OF FOREIGN BANK BRANCHES
107 MOBILE FOREIGN EXCHANGE BOOTHS
108 BANKING DAYS AND HOURS
109 BANK PREMISES AND OTHER FIXED ASSETS
B. SPECIAL AUTHORITIES
111 LICENSING
112 MANAGEMENT CONTRACTS AND OUTSOURCING
113 CROSS-SELLING
113-B MARKETING, SALE AND SERVICING OF MICROINSURANCE PRODUCTS BY THRIFT BANKS
1
.
113-C MARKETING, SALE AND SERVICING OF MICROINSURANCE PRODUCTS BY RURAL AND COOPERATIVE BANKS
2
.
114 PROHIBITION ON THE SALE OF FOREIGN-BASED MUTUAL FUNDS BY BANKS.
C. CAPITALIZATION AND RISK-BASED CAPITAL
121 MINIMUM REQUIRED CAPITAL
122 SHARES OF STOCK OF BANKS
122-A SHARES OF STOCK OF UNIVERSAL/COMMERCIAL BANKS
122-B SHARES OF STOCK OF THRIFT BANKS
122-C SHARES OF STOCK OF RURAL BANKS AND COOPERATIVE BANKS
123 DEPOSITS FOR STOCK SUBSCRIPTION
124 DIVIDENDS
124-C LIMITATIONS/AMOUNT AVAILABLE FOR DIVIDENDS DECLARED BY RURAL BANKS AND COOPERATIVE BANKS
125 BASEL III RISK-BASED CAPITAL
126 CAPITAL INSTRUMENTS ELIGIBLE AS RISK-BASED CAPITAL
127 RISK-BASED CAPITAL ADEQUACY FRAMEWORK FOR STAND-ALONE THRIFT BANKS, RURAL BANKS AND COOPERATIVE BANKS
128 DOMESTIC SYSTEMICALLY IMPORTANT BANKS (DSIBs)
129 BASEL III LEVERAGE RATIO FRAMEWORK
130 INTERNAL CAPITAL ADEQUACY ASSESSMENT PROCESS AND SUPERVISORY REVIEW PROCESS
D. CORPORATE GOVERNANCE
131 POLICY STATEMENT AND DEFINITION OF TERMS
132 BOARD OF DIRECTORS
133 BOARD-LEVEL COMMITTEES
134 OFFICERS
135 REMUNERATION AND OTHER INCENTIVES
136 RELATED PARTY TRANSACTIONS
137 CONFIRMATION OF THE ELECTION/APPOINTMENT OF DIRECTORS/OFFICERS; BIO-DATA OF DIRECTORS AND OFFICERS; INTERLOCKING DIRECTORSHIPS AND/OR OFFICERSHIPS; RULES OF PROCEDURES ON ADMINISTRATIVE CASES INVOLVING DIRECTORS AND OFFICERS OF BSFIs
138 DISQUALIFICATION AND WATCHLISTING OF DIRECTORS AND OFFICERS.
E. RISK MANAGEMENT
141 SUPERVISION BY RISK
142 RISK GOVERNANCE FRAMEWORK
143 CREDIT RISK MANAGEMENT
144 MARKET RISK MANAGEMENT
145 LIQUIDITY RISK MANAGEMENT
146 OPERATIONAL RISK MANAGEMENT
147 BANK PROTECTION
148 INFORMATION TECHNOLOGY RISK MANAGEMENT
149 BUSINESS CONTINUITY MANAGEMENT
150 SOCIAL MEDIA RISK MANAGEMENT
151 GUIDELINES ON THE CONDUCT OF STRESS TESTING EXERCISES
F. COMPLIANCE, INTERNAL CONTROL, AND AUDIT
161 COMPLIANCE FRAMEWORK
162 INTERNAL CONTROL FRAMEWORK
163 INTERNAL AUDIT FUNCTION
164 SELECTION, APPOINTMENT, REPORTING REQUIREMENTS AND DELISTING OF EXTERNAL AUDITORS AND/OR AUDITING FIRM; SANCTIONS; EFFECTIVITY
G. REPORTING GOVERNANCE
171 REPORTING GOVERNANCE FRAMEWORK
172 FINANCIAL RECORDS
173 REPORTS
174 AUDITED FINANCIAL STATEMENTS
175 PUBLIC DISCLOSURES
H. UNSAFE OR UNSOUND BANKING
181 CONDUCTING BUSINESS IN AN UNSAFE OR UNSOUND BANKING
I. SURRENDER OF BANKING LICENSE, LIQUIDATION, AND RECEIVERSHIP
191 VOLUNTARY LIQUIDATION
192 INSOLVENCY OR RECEIVERSHIP OF BANKS
PART TWO – DEPOSITS, BORROWINGS AND OTHER LIABILITIES
A. DEMAND DEPOSITS
201 AUTHORITY TO ACCEPT OR CREATE DEMAND DEPOSITS
202 RETURNED CHECKS
203 TEMPORARY OVERDRAWINGS; DRAWINGS AGAINST UNCOLLECTED DEPOSITS
204 DEMAND DEPOSITS OF BANK OFFICERS AND EMPLOYEES
B. SAVING DEPOSITS
211 SAVINGS DEPOSIT TRANSACTIONS
212 PESO SAVINGS DEPOSIT ACCOUNTS OF EMBASSY OFFICIALS
213 BASIC DEPOSIT ACCOUNT
C. TIME DEPOSITS
216 TERM OF TIME DEPOSITS
217 CERTIFICATES OF TIME DEPOSIT
218 SPECIAL TIME DEPOSITS
D. NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
221 AUTHORITY TO ACCEPT NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
222 MINIMUM FEATURES OF NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
223 RULES ON SERVICING NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
E. GOVERNMENT DEPOSIT
231 ACCEPTANCE OF GOVERNMENT DEPOSITS
F. DEPOSIT SUBSTITUTE OPERATIONS (QUASI-BANKING FUNCTIONS)
241 SCOPE OF QUASI-BANKING FUNCTIONS
242 DEPOSIT SUBSTITUTE INSTRUMENTS
243 MINIMUM TRADING LOT AND MINIMUM TERM OF DEPOSIT SUBSTITUTE
244 MONEY MARKET PLACEMENTS OF RURAL BANKS
245 WITHOUT RECOURSE TRANSACTIONS
246 ISSUANCE OF BONDS AND COMMERCIAL PAPERS
G. RESERVE AGAINST DEPOSIT AND DEPOSIT SUBTITUTES LIABILITIES
251 ACCOUNTS SUBJECT TO RESERVES; AMOUNTS REQUIRED
252 COMPOSITION OF RESERVES
253 EXEMPTIONS FROM RESERVE REQUIREMENTS
254 COMPUTATION OF RESERVE POSITION
255 RESERVE DEFICIENCIES; SANCTIONS
256 REPORT ON COMPLIANCE
H. INTEREST AND FEES
261 INTEREST ON DEPOSITS/ DEPOSIT SUBSTITUTES
262 DISCLOSURE OF EFFECTIVE RATES OF INTEREST
263 FEES ON RETAIL BANK PRODUCTS/SERVICES
I. DEPOSIT OPERATIONS
271 BOOKING OF DEPOSITS AND WITHDRAWALS
272 UNCLAIMED BALANCES
273 RENTAL DEPOSITS OF LESSEES
274 SERVICING DEPOSITS OUTSIDE BANK PREMISES
275 CASH PICK-UP/CASH DELIVERY SERVICES; CASH AGENTS
276 MISCELLANEOUS RULES ON DEPOSITS
J. BORROWINGS FROM THE BANGKO SENTRAL
281 REDISCOUNTING LINE
282 REDISCOUNTING AVAILMENTS
283 REPURCHASE AGREEMENTS WITH THE BANGKO SENTRAL
284 BANGKO SENTRAL LIQUIDITY WINDOW
285 EMERGENCY LOANS OR ADVANCES TO BANKING INSTITUTIONS
286 FACILITY TO COMMITTED CREDIT LINE ISSUERS
287-B/C COUNTRYSIDE FINANCIAL INSTITUTION ENHANCEMENT PROGRAM (CFIEP) FOR THRIFT, RURAL AND COOPERATIVE BANKS
288 RECORDING AND REPORTING OF BORROWINGS
289 REDISCOUNTING WINDOW
290 ENHANCED INTRADAY LIQUIDITY FACILITY
K. OTHER BORROWINGS OF BANKS
291 BORROWINGS FROM THE GOVERNMENT
292 BORROWINGS FROM TRUST DEPARTMENTS OR INVESTMENT HOUSES
293-B MORTGAGE/CHM CERTIFICATES OF THRIFT BANKS
294-C BORROWINGS OF RURAL BANKS/COOPERATIVE BANKS
L. OTHER LIABILITIES
295 COLLECTION OF CUSTOMS DUTIES/TAXES/LEVIES AND OTHER REVENUES, AND ACCEPTANCE, ENCASHMENT OR NEGOTIATION OF CHECKS DRAWN IN FAVOR OF COMMISSIONER
296 COLLECTION AGENTS OF THE SOCIAL SECURITY SYSTEM
297 COLLECTION AGENTS OF PHILHEALTH
298 DISCLOSURE OF REMITTANCE CHARGES AND OTHER RELEVANT INFORMATION
299 SEGREGATION OF CUSTOMER FUNDS AND SECURITIES RECEIVED BY BANKS IN THE PERFORMANCE OF THEIR SECURITIES BROKERING FUNCTIONS
PART THREE – LOANS, INVESTMENTS AND SPECIAL CREDITS
A. GENERAL PROVISIONS ON LENDING OPERATIONS
301 GRANT OF LOANS AND OTHER CREDIT ACCOMMODATIONS
302 AMORTIZATION ON LOANS AND OTHER CREDIT ACCOMMODATIONS
303 SECURED LOANS AND OTHER CREDIT ACCOMMODATIONS
304 PAST DUE ACCOUNTS AND NON-PERFORMING LOANS
305 INTEREST AND OTHER CHARGES
306 “TRUTH IN LENDING ACT” DISCLOSURE REQUIREMENT
B. TYPES OF LOANS AND CREDITS
311 SALARY-BASED GENERAL-PURPOSE CONSUMPTION LOANS
312 CREDIT CARD OPERATIONS
313 AGRICULTURAL LOANS
314 MICROFINANCE LOANS
315 INTERBANK LOANS
316 BANK LOANS TO GOVERNMENT
317 OTHER LOANS AND REDISCOUNTING TO THRIFT/RURAL/COOPERATIVE BANKS
318 STANDBY LETTERS OF CREDIT
319 COMMITTED CREDIT LINE FOR COMMERCIAL PAPER ISSUES
C. MANDATORY/SPECIALIZED CREDITS
331 AGRICULTURE AND AGRARIAN REFORM CREDIT
332 MANDATORY ALLOCATION OF CREDIT RESOURCES TO MICRO, SMALL AND MEDIUM ENTERPRISES
333 LOANS TO BARANGAY MICRO BUSINESS ENTERPRISES
D. LOANS AND OTHER CREDIT ACCOMMODATIONS TO DIRECTORS, OFFICERS, STOCKHOLDERS AND THEIR RELATED INTERESTS/ SUBSIDIARIES/AFFILIATES
341 POLICY STATEMENT
342 TRANSACTIONS, COVERED AND NOT COVERED
343 DIRECT OR INDIRECT BORROWINGS
344 INDIVIDUAL CEILINGS
345 AGGREGATE CEILING
346 PROCEDURAL AND REPORTORIAL REQUIREMENTS
347 WAIVER OF SECRECY OF DEPOSIT
348 SUPERVISORY ENFORCEMENT ACTIONS
349 APPLICABILITY TO BRANCHES AND SUBSIDIARIES OF FOREIGN BANKS
350 APPLICABILITY TO GOVERNMENT BORROWINGS IN GOVERNMENT-OWNED OR -CONTROLLED BANKS
E. CREDIT CONCENTRATION AND PRUDENTIAL LIMITS
361 LARGE EXPOSURES AND CREDIT RISK CONCENTRATIONS
362 CREDIT EXPOSURE LIMITS TO A SINGLE BORROWER
363-A LIMITS ON REAL ESTATE EXPOSURES AND OTHER REAL ESTATE PROPERTY OF UBS/KBS.
363-B LIMITS ON REAL ESTATE EXPOSURES AND OTHER REAL ESTATE PROPERTY OF TBS
364 EXPANDED REPORT ON REAL ESTATE EXPOSURES OF BANKS
F. EQUITY INVESTMENTS
371 SCOPE OF AUTHORITY
372 FINANCIAL ALLIED UNDERTAKINGS
373 LIMITS ON INVESTMENT IN THE EQUITIES OF FINANCIAL ALLIED UNDERTAKINGS
374 INVESTMENTS IN VENTURE CAPITAL CORPORATIONS
375 NON-FINANCIAL ALLIED UNDERTAKINGS
376-A INVESTMENTS IN NON-ALLIED OR NON-RELATED UNDERTAKINGS
377 INVESTMENTS IN SUBSIDIARIES AND AFFILIATES ABROAD
378 PRUDENTIAL LIMITS AND RESTRICTIONS ON EQUITY INVESTMENTS
379 SANCTIONS
G. SUNDRY PROVISIONS
381 PURCHASE OF RECEIVABLES AND OTHER OBLIGATIONS
382 ACQUIRED ASSETS IN SETTLEMENT OF LOANS
383 LOANS-TO-DEPOSITS RATIO
384 CREDIT POLICIES OF GOVERNMENT- OWNED CORPORATIONS
385 REGULATORY RELIEF FOR BANKS UNDER REHABILITATION PROGRAM APPROVED BY THE BANGKO SENTRAL
PART FOUR – TRUST, OTHER FIDUCIARY BUSINESS AND INVESTMENT MANAGEMENT ACTIVITIES
A. STATEMENT OF PRINCIPLES AND SCOPE
401 STATEMENT OF PRINCIPLES
402 SCOPE OF REGULATIONS
403 DEFINITIONS
B. TRUST AND OTHER FIDUCIARY BUSINESS
411 AUTHORITY TO PERFORM TRUST AND OTHER FIDUCIARY BUSINESS
411-B/C GRANT OF AUTHORITY TO ENGAGE IN LIMITED TRUST BUSINESS TO THRIFT BANKS/RURAL BANKS
412 ORGANIZATION AND MANAGEMENT
413 TRUST AND OTHER FIDUCIARY BUSINESS
414 UNIT INVESTMENT TRUST FUNDS
415 INVESTMENT MANAGEMENT ACTIVITIES
416 FOREIGN CURRENCY DEPOSIT UNIT/EXPANDED FOREIGN CURRENCY DEPOSIT UNIT TRUST ACCOUNTS; OTHER FIDUCIARY OR INVESTMENT MANAGEMENT ACCOUNTS
417 SECURITY DEPOSIT FOR THE FAITHFUL PERFORMANCE OF TRUST AND OTHER FIDUCIARY BUSINESS
418 RESERVES AGAINST PESO-DENOMINATED COMMON TRUST FUNDS AND TRUST AND OTHER FIDUCIARY ACCOUNTS (TOFA) -– OTHERS.
419 REQUIRED RETAINED EARNINGS RESERVED
420 UNSAFE OR UNSOUND MANNER
C. INVESTMENT MANAGEMENT ACTIVITIES
421 AUTHORITY TO PERFORM INVESTMENT MANAGEMENT
422 ORGANIZATION AND MANAGEMENT
423 CONDUCT OF INVESTMENT MANAGEMENT ACTIVITIES
424 SECURITY DEPOSIT FOR THE FAITHFUL PERFORMANCE OF INVESTMENT MANAGEMENT ACTIVITIES
425 REQUIRED RETAINED EARNINGS RESERVED
426 UNSOUND MANNER
D. GENERAL PROVISIONS
431 SECURITIES CUSTODIANSHIP AND SECURITIES REGISTRY OPERATIONS
432 CUSTODY OF ASSETS
433 FEES AND COMMISSIONS
434 TAXES
435 BOOKS, RECORDS AND REPORTS REQUIRED
436 AUDITS
437 AUTHORITY RESULTING FROM MERGER OR CONSOLIDATION
438 NON-TRUST, NON-FIDUCIARY AND/OR NON-INVESTMENT MANAGEMENT ACTIVITIES
439 RECEIVERSHIP
440 SURRENDER OF TRUST OR INVESTMENT MANAGEMENT LICENSE
E. GENERAL PROVISION ON SANCTIONS
499 SANCTIONS
PART FIVE – MANUAL OF REGULATIONS ON FOREIGN EXCHANGE TRANSACTIONS
PART SIX – TREASURY AND MONEY MARKET OPERATIONS
A. MONETARY OPERATIONS OF THE BANGKO SENTRAL
601 MONETARY OPERATIONS
602 THE JAPANESE YEN/PHILIPPINE PESO (JPY/PHP) SWAP FACILITY UNDER THE CROSS-BORDER LIQUIDITY ARRANGEMENT (CBLA) BETWEEN THE BANGKO SENTRAL AND THE BANK OF JAPAN (BOJ)
B. TREASURY OPERATIONS OF BANKS
611 TREASURY OPERATIONS
612 SALES AND MARKETING GUIDELINES FOR FINANCIAL PRODUCTS
613 DERIVATIVES ACTIVITIES
C. FINANCIAL INSTRUMENTS
621 GLOBAL PESO NOTES
622 FORWARD AND SWAP TRANSACTIONS
623-A GUIDELINES ON THE INVESTMENTS OF UNIVERSAL BANKS AND COMMERCIAL BANKS IN CREDIT-LINKED NOTES (CLNs), STRUCTURED PRODUCTS AND SECURITIES OVERLYING SECURITIZATION STRUCTURES
624-A CREDIT-LINKED NOTES AND SIMILAR CREDIT DERIVATIVES PRODUCTS
625-A BANK’S EXPOSURES TO STRUCTURED PRODUCTS
626-A EXPANDED FOREIGN CURRENCY DEPOSIT UNIT INVESTMENTS IN FOREIGN CURRENCY DENOMINATED STRUCTURED PRODUCTS
627-A INVESTMENTS IN SECURITIES OVERLYING SECURITIZATION STRUCTURES
628 ASSET-BACKED SECURITIES
629 THE CURRENCY RATE RISK PROTECTION PROGRAM (CRPP) FACILITY
PART SEVEN – ELECTRONIC BANKING SERVICES AND OPERATIONS
701 ELECTRONIC BANKING SERVICES
702 ISSUANCE AND OPERATIONS OF ELECTRONIC MONEY
PART EIGHT – REGULATIONS ON PAYMENT SYSTEMS
801 AUTOMATED TELLER MACHINES
802 CHECK CLEARING OPERATIONS
803 NATIONAL RETAIL PAYMENT SYSTEM (NRPS)
804 SETTLEMENT OF INSTANT RETAIL PAYMENTS
PART NINE – ANTI-MONEY LAUNDERING REGULATIONS
901 BANGKO SENTRAL AUTHORITY TO CHECK COMPLIANCE WITH THE AMLA, AS AMENDED
902 DECLARATION OF POLICY
903 SCOPE OF REGULATIONS
904 DEFINITION OF TERMS
905 BASIC PRINCIPLES AND POLICIES TO COMBAT MONEY LAUNDERING
A. RISK MANAGEMENT
911 RISK MANAGEMENT
B. PREVENTIVE MEASURES
921 CUSTOMER DUE DILIGENCE
922 COVERED AND SUSPICIOUS TRANSACTION REPORTING
923 ADDITIONAL PREVENTIVE MEASURES FOR SPECIFIC CUSTOMERS AND ACTIVITIES
924 RECORD KEEPING
C. TRAINING PROGRAM
931 AML TRAINING PROGRAM
D. ENFORCEMENT ACTIONS
941 SANCTIONS AND PENALTIES
942 SEPARABILITY CLAUSE
PART TEN – BANGKO SENTRAL REGULATIONS ON FINANCIAL CONSUMER PROTECTION
1001 CONSUMER PROTECTION OVERSIGHT FUNCTION
1002 CONSUMER PROTECTION STANDARDS
1003 ENFORCEMENT ACTIONS
PART ELEVEN – OTHER BANKING REGULATIONS
A. BANKING FEES/CHARGES
1101 ASSESSMENT FEES ON BANKS
1102 COLLECTION OF FINES AND OTHER CHARGES FROM BANKS
1103 SERVICE FEE FOR TRANSACTIONS WITH THE BANGKO SENTRAL
B. PHILIPPINE & FOREIGN CURRENCY NOTES & COINS
1111 PHILIPPINE AND FOREIGN CURRENCY NOTES AND COINS
1112 ADOPTION OF CLEAN NOTE AND COIN POLICY
C. PERSONAL EQUITY AND RETIREMENT ACCOUNT (PERA)
1121 PERSONAL EQUITY AND RETIREMENT ACCOUNT (PERA) MARKET PARTICIPANTS AND PERA INVESTMENT PRODUCTS
D. CREDIT RATING AGENCIES
1131 RECOGNITION AND DERECOGNITION OF DOMESTIC CREDIT RATING AGENCIES FOR BANK SUPERVISORY PURPOSES
1132 INTERNATIONALLY ACCEPTED CREDIT RATING AGENCIES
1133 RECOGNITION AND DERECOGNITION OF MICROFINANCE INSTITUTION RATING AGENCIES
E. PRODUCT OFFERING OF PARENT OF FOREIGN BANK BRANCHES
1141-A OFFERING IN THE PHILIPPINES OF PRODUCTS BY PARENT BANK AND BRANCHES ABROAD OF THE PARENT BANK
F. FRAMEWORK ON THE GRANT OF REGULATORY RELIEF TO BANKS
1151 REGULATORY RELIEF POLICY
LIST OF APPENDICES
Appendix 1
Appendix 2
Appendix 3
Appendix 4
Appendix 5
Appendix 6
Appendix 7
Appendix 8
Appendix 9
Appendix 10
Appendix 11
Appendix 12
PROMISSORY NOTE
REPURCHASE AGREEMENT
CERTIFICATE OF ASSIGNMENT WITH RECOURSE
CERTIFICATE OF ASSIGNMENT WITH RECOURSE
CERTIFICATE OF PARTICIPATION WITH RECOURSE
CERTIFICATE OF PARTICIPATION WITH RECOURSE
Appendix 13
Appendix 14
Appendix 15
Appendix 16
Appendix 17
Appendix 18
Appendix 19
Appendix 20
Appendix 21
Appendix 22
Appendix 23
Appendix 24
Appendix 25
Appendix 26
Appendix 27
Appendix 28
Appendix 29
Appendix 30
Appendix 31
Appendix 32
Appendix 33
Appendix 34
Appendix 35
Appendix 36
Appendix 37
Appendix 38
Appendix 39
Appendix 40
Appendix 41
Appendix 42
Appendix 43
Appendix 44
Appendix 45
Appendix 46
Appendix 47
Appendix 48
Appendix 49
Appendix 50
Appendix 51
Appendix 52
Appendix 53
Appendix 54
Appendix 55
Appendix 56
Appendix 57
Appendix 58
Appendix 59
Appendix 60
Appendix 61
Appendix 62
Appendix 63
Appendix 64
Appendix 65
Appendix 66
Appendix 67
Appendix 68
Appendix 69
Appendix 70
Appendix 71
Appendix 72
Appendix 73
Appendix 74
Appendix 75
Appendix 76
Appendix 77
Appendix 78
Appendix 79
Appendix 80
Appendix 81
Appendix 82
Appendix 83
Appendix 84
Appendix 85
Appendix 86
Appendix 87
Appendix 88
Appendix 89
Appendix 90
Appendix 91
Appendix 92
Appendix 93
Appendix 94
Appendix 95
Appendix 96
Appendix 97
Appendix 98
Appendix 99
Appendix 100
Appendix 101
Appendix 102
Appendix 103
Appendix 104
Appendix 105
Appendix 106
Appendix 107
Appendix 108
Appendix 109
Appendix 110
Appendix 111
Appendix 112
Appendix 113
Appendix 114
Appendix 115
Appendix 116
Appendix 117
Appendix 118
Appendix 119
Appendix 120
Appendix 121
Appendix 122
Appendix 123
Appendix 124
Appendix 125
Appendix 126
Appendix 127
Appendix 128
Appendix 130
Appendix 131
Appendix 132
Appendix 133
Appendix 134
Appendix 135
Introduction
Part 01
Part 02
Part 03
Part 04
Part 05
Part 06
Part 07
Part 08
Part 09
Part 10
Part 11
Appendices
A. Risk Management
Section
911
Risk Management
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