Palestine Monetary Authority

Instructions No. (3) of 2025

Regarding Procedures for Handling Loan and Financing Portfolios in the Gaza Strip

Based on the provisions of Decision No. (132) of 2011 on the Licensing and Supervision of Specialized Lending Institutions and its amendments, particularly Articles (21, 3) thereof, and the Law Decision No. (3) of 2025 Regarding the Regulation of Loan Terms, Installments, and Finance Lease Payments, particularly Article (3) thereof, and in accordance with the powers vested in us, and to achieve the public interest, we have issued the following Instructions:

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Article (1)

Objective and Scope of Application

1. The provisions of these Instructions aim to regulate procedures for handling loan and financing portfolios in the Gaza Strip.
2. The provisions of these Instructions apply to all specialized lending institutions licensed by the Palestine Monetary Authority.

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Article (2)

Procedures for Handling Loan and Financing Portfolios in the Gaza Strip

1. Specialized lending institutions may defer periodic installments for borrowers residing in the Gaza Strip until 2025/12/31, without borrowers incurring any additional interest, commissions, or fees.
2. The specialized lending institution must ensure that the coverage ratio for provisions against the existing portfolio in the Gaza Strip does not fall below a minimum of 75% as of the end of 2025, and 100% as of the end of 2026, after deducting the value of guarantees provided under approved guarantee programs.

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Article (3)

Cancellation of Conflicting Provisions

All provisions conflicting with the provisions of these Instructions are hereby repealed.

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Article (4)

Implementation and Enforcement

All competent authorities must implement the provisions of these Instructions within their respective jurisdictions, and these shall apply from the date of their issuance.

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Issued in Ramallah, on the date: 30/09/2025 AD

Yahya Al-Shannar Governor

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Note: The text is prepared according to the provided image. The original formatting, including headings, text, signature, and dates, has been preserved, with text converted to simple Markdown formatting to ensure clarity and ease of reading.

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Clarification Note (not part of the original text): The original text is written in Arabic, and the signature has been translated into Arabic as written in the image, preserving the signature as handwritten text.

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Contact Information (from the bottom of the page): Ramallah & Al-Bireh Governorate - Palestine P.O. Box 452 - Ramallah & Al-Bireh Governorate - Palestine P.O. Box info@pma.ps | Fax: +970 2 2415310 | Tel: +970 2 2415251 | Postal code: P6160675 www.pma.ps