[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-109335-en":3,"doc-seo-109335-105":31,"detail-sidebar-cat-0-en-105":92},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":4,"category_id":11,"category_name":12,"doc_title":13,"doc_description":14,"doc_content":15,"file_id":16,"file_url":17,"file_type":18,"file_size":19,"view_count":20,"is_deleted":4,"is_public":21,"is_downloadable":21,"audit_status":21,"page_count":22,"language":23,"language_code":24,"site_id":25,"html_lang":24,"table_of_contents":26,"faqs":27,"seo_title":28,"seo_description":14,"update_tm":29,"read_time":30},109335,4810365810221,"Aurora","https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d",8,"Research & Report","Financial Sector Assessment Program - Technical Note - Prudential Supervision and Regulation - Deposit Taking Institutions","Technical note supporting the Financial Sector Assessment Program (FSAP) mission in Eswatini, providing the analytical basis for FSAP findings and recommendations on prudential supervision and regulation for deposit-taking institutions. It focuses on strengthening the legal and regulatory framework to enhance the Central Bank’s independence and powers. The note outlines supervisory architecture and detailed oversight processes for banking and non-bank deposit takers, including risk areas such as capital, credit risk, liquidity, concentration and other risks, plus governance and market-entry considerations.","Public Disc losure Authorized  \nPub lic Disc losure Authorized  \nKINGDOM OF ESWATINI  \nFINANCIAL SECTOR ASSESSMENT PROGRAM  \nTECHNICAL NOTE – PRUDENTIAL SUPERVISION AND REGULATION – DEPOSIT TAKING INSTITUTIONS  \nPrepared By Finance, Competitiveness and Innovation Global Department, World Bank  \nThis Technical Note was prepared in the context of the Financial Sector Assessment Program (FSAP) mission in Eswatini during October 14-28, 2024, led by Oliver Masetti and Ajai Nair, World Bank, andoverseen by the Finance, Competitiveness, and Innovation Global Practice, World Bank Group. The note contains the technical analysis and information underpinning the FSAP’s findings and recommendations. Further information on the FSAP program can be found [at ](at www.worldbank.org/fsap)[www.worldbank.org/fsap](at www.worldbank.org/fsap)  \nCONTENTS  \nABBREVIATIONS AND ACRONYMS................................................................................................... 2  \nEXECUTIVE SUMMARY ....................................................................................................................... 3  \nI. INTRODUCTION AND BACKGROUND ........................................................................................... 6  \nA. Scope and Focus...................................................................................................................................................... 6  \nB. Financial Sector Overview..................................................................................................................................... 7  \nII. PRUDENTIAL SUPERVISION ARCHITECTURE............................................................................. 11  \nIII. BANKING SECTOR OVERSIGHT .................................................................................................. 11  \nA. Independence, objectives, powers and legal protection .......................................................................11  \nB. Supervisory process .............................................................................................................................................. 14  \nC. Home Host relationships .................................................................................................................................... 15  \nD. Market Entry ............................................................................................................................................................ 16  \nE. Capital......................................................................................................................................................................... 16  \nF. Credit Risk, Asset Classification and Provisioning .....................................................................................17  \nG. Concentration Risk and Large Exposure Limits .........................................................................................18  \nH. Liquidity Risk ........................................................................................................................................................... 18  \nI. Other risks .................................................................................................................................................................. 19  \nJ. Related party transactions................................................................................................................................... 19  \nK. Climate risk............................................................................................................................................................... 19  \nIV. NON-BANK DEPOSIT TAKING INSTITUTIONS OVERSIGHT .................................................... 21  \nA. Objectives, powers, governance and legal protection............................................................................21  \nB. Institutional Framework...............................................................","cbCaigvIYBWx4M2U","https://ap.wps.com/l/cbCaigvIYBWx4M2U","pdf",552717,4,1,27,"English","en",105,"# Executive Summary\n# Introduction and Background\n## Scope and Focus\n## Financial Sector Overview\n# Prudential Supervision Architecture\n# Banking Sector Oversight\n## Independence, Objectives, Powers and Legal Protection\n## Supervisory Process\n## Home Host Relationships\n## Market Entry\n## Capital\n## Credit Risk, Asset Classification and Provisioning\n## Concentration Risk and Large Exposure Limits\n## Liquidity Risk\n## Other Risks\n## Related Party Transactions\n## Climate Risk\n# Non-Bank Deposit Taking Institutions Oversight\n## Objectives, Powers, Governance and Legal Protection\n## Institutional Framework\n## Market Entry\n## Supervisory Process\n## Oversight of Building Societies","[{\"question\":\"What is the purpose of this technical note in the FSAP mission for Eswatini?\",\"answer\":\"It provides the technical analysis and information underpinning the FSAP findings and recommendations related to prudential supervision and regulation for deposit-taking institutions.\"},{\"question\":\"Which key areas of banking oversight are covered?\",\"answer\":\"The note covers supervisory independence, supervisory processes, market entry, capital, credit risk and provisioning, concentration and large exposure limits, liquidity risk, other risks, related party transactions, and climate risk.\"},{\"question\":\"How does the note address oversight for non-bank deposit taking institutions?\",\"answer\":\"It describes objectives, powers, governance and legal protection, the institutional framework, market entry, supervisory process, and oversight of building societies.\"}]","Financial Sector Assessment Program - 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