A circular dated January 8, 2025 regarding the guideline for identifying the true beneficiary for bank customers

السيد الأستاذ / رئيس مجلس الإدارة
Bank
Cairo, January 8, 2025
Translation: Mr. Professor/Chairman of the Board, Bank, Cairo on January 8, 2025.

تحية طيبة وبعد
Greetings and regards.
Translation: Greetings, good tidings, and thereafter.

في ضوء حرص البنك المركزي على تطبيق المعايير الدولية المتعلقة بمكافحة غسل الأموال وتمويل الإرهاب In light of the Central Bank's keenness to apply international standards related to combating money laundering and terrorist financing. Translation: In light of the Central Bank's concern for implementing international standards related to combating money laundering and financing of terrorism.

والتي تضمنت ضرورة قيام البنوك بالتعرف على هوية المستفيدين الحقيقيين لعملائها، حيث يتم استخدام عدة which included the need for banks to identify the identity of the real beneficiaries of their clients, where several are used Translation: Which included the necessity of banks identifying the identity of the real beneficiaries of their clients, as several methods are used.

أساليب لإخفاء هوية المستفيدين الحقيقيين بهدف غسل الأموال وتمويل الإرهاب وتسهيل الأنشطة غير المشروعة، methods to hide the identity of the real beneficiaries with the aim of money laundering, terrorist financing and facilitating illegal activities, Translation: Methods to conceal the identity of the true beneficiaries with the aim of money laundering, financing terrorism, and facilitating illicit activities.

فقد تم إعداد الدليل الاسترشادي المرفق بالتعاون مع وحدة مكافحة غسل الأموال وتمويل الإرهاب، والذي يتضمن A guidance manual has been prepared, attached in cooperation with the Money Laundering and Terrorist Financing Combating Unit, which includes Translation: The attached guidance manual has been prepared in cooperation with the Anti-Money Laundering and Counter-Terrorism Financing Unit, which includes.

وسائل التعرف على المستفيدين الحقيقيين، وكذا الأساليب المتبعة لإخفاء هوية المستفيدين الحقيقيين، وذلك بما means of identifying the real beneficiaries, as well as the methods used to hide the identity of the real beneficiaries, in such a way that Translation: Means of identifying true beneficiaries, as well as methods used to conceal the identity of true beneficiaries, in order to.

يدعم وجود إطار شامل لدى البنوك يمكنها من الوصول إلى بيانات دقيقة عن المستفيدين الحقيقيين لعملائها. supports the existence of a comprehensive framework for banks that enables them to reach accurate data on the real beneficiaries of their clients. Translation: Supports the existence of a comprehensive framework for banks that enables them to access accurate data about the true beneficiaries of their clients.

وتفضلوا بقبول فائق الاحترام والتقدير،،،
And please accept our highest respect and appreciation...
Translation: Please accept our highest respect and appreciation...

طارق الخولي
Tarek El-Khouly
Translation: Tarek El-Khouly

البنك المركزي المصري
CENTRAL BANK OF EGYPT
Translation: Central Bank of Egypt, CENTRAL BANK OF EGYPT

جمهورية مصر العربية
Translation: Arab Republic of Egypt

البنك المركزي المصري
CENTRAL BANK OF EGYPT
Translation: Central Bank of Egypt, CENTRAL BANK OF EGYPT

دليل استرشادي
Translation: Guidebook

للتعرف على المستفيد الحقيقي لعملاء البنوك
Translation: To identify the real beneficiary of bank clients

۱
Translation: 1

۱
Translation: 1

۲
Translation: 2

۲
Translation: 2

٤
Translation: 4

٢٥
Translation: 25

البنك المركزي المصري
CENTRAL BANK OF EGYPT
Translation: Central Bank of Egypt, CENTRAL BANK OF EGYPT

جدول المحتويات
Translation: Table of Contents

مقدمة
Translation: Introduction

1 - قواعد عامة .
Translation: 1 - General rules.

۲ - مفهوم المستفيد الحقيقي
Translation: 2 - The concept of the real beneficiary

• أمثلة على الأساليب المتبعة لإخفاء المستفيد الحقيقي.
  Translation: - Examples of methods used to hide the real beneficiary.

٤- تحديد المستفيد الحقيقي .
Translation: 4- Identifying the real beneficiary.

ه - أمثلة توضيحية لآليات التعرف على المستفيد الحقيقي .
Translation: 5 - Illustrative examples of mechanisms to identify the real beneficiary.

٦ - أبرز مؤشرات إخفاء هوية المستفيد الحقيقي
Translation: 6 - Key indicators of concealing the identity of the real beneficiary

مقدمة
Translation: Introduction

في إطار توجه الدولة والبنك المركزي نحو الالتزام بالمعايير الدولية المتعلقة بالوصول إلى المستفيدين الحقيقيين من الأشخاص In the context of the state and the Central Bank's orientation towards committing to international standards relating to access to real beneficiaries of persons Translation: In the framework of the state and the Central Bank's orientation towards committing to international standards related to accessing the real beneficiaries of individuals.

الطبيعية والاعتبارية والترتيبات القانونية، وفي ضوء أهمية الالتزام بمتطلبات مكافحة غسل الأموال وتمويل الإرهاب ومنها natural, legal and regulatory arrangements, and in light of the importance of complying with the requirements of combating money laundering and terrorist financing, including Translation: Natural and legal persons, and legal arrangements, and in light of the importance of adhering to the requirements of combating money laundering and terrorist financing, including.

الالتزامات التي تقع على عاتق البنوك للتعرف على هوية المستفيدين الحقيقيين لعملائها، تم إعداد هذا الدليل الاسترشادي ليكون the obligations incumbent upon banks to identify the identity of the real beneficiaries of their clients, this guidance manual has been prepared to be Translation: The obligations that banks bear to identify the identity of the true beneficiaries of their clients, this guidance manual has been prepared to be.

بمثابة إطار شامل يتضمن عدة وسائل للتعرف على هوية المستفيدين الحقيقيين والتحقق منها، وكذا توعية البنوك ببعض الإجراءات a comprehensive framework that includes several means to identify and verify the identity of the real beneficiaries, as well as to educate banks on some procedures Translation: A comprehensive framework that includes several ways to identify and verify the identity of the real beneficiaries, as well as to educate banks about some procedures.

التي يمكن اتباعها من قبل العملاء لإخفاء هوية المستفيدين الحقيقيين، بهدف مساعدة البنوك على الوصول إلى بيانات دقيقة وكافية that can be followed by clients to hide the identity of the real beneficiaries, with the aim of helping banks to access accurate and sufficient data Translation: That can be followed by clients to conceal the identity of the real beneficiaries, with the aim of helping banks access accurate and adequate data.

ومحدثة عن المستفيدين الحقيقيين، وذلك وبما يتوافق مع الإطار التشريعي والرقابي المحلي وعلى الأخص قانون مكافحة غسل and updated about the real beneficiaries, and this is in accordance with the local legislative and regulatory framework, especially the Anti-Money Laundering Law Translation: And updated about the true beneficiaries, and this is in accordance with the local legislative and regulatory framework, especially the Anti-Money Laundering Law.

الأموال الصادر بالقانون رقم ٨٠ لسنة ۲۰۰۲ ، ولائحته التنفيذية الصادرة بقرار رئيس مجلس الوزراء رقم ٩٥١ لسنة ٢٠٠٣ issued by Law No. 80 of 2002, and its executive regulations issued by the decision of the Prime Minister No. 951 of 2003 Translation: Issued by Law No. 80 of 2002, and its implementing regulations issued by Prime Minister Decree No. 951 of 2003.

وتعديلاتهما، وكذا قانون البنك المركزي والجهاز المصرفي رقم ١٩٤ لسنة ٢٠٢٠، هذا بالإضافة إلى إجراءات العناية الواجبة and its amendments, as well as the Central Bank and Banking System Law No. 194 of 2020, in addition to due diligence procedures Translation: And their amendments, as well as the Central Bank and Banking System Law No. 194 of 2020, in addition to the due diligence procedures.

بعملاء البنوك الصادرة عن وحدة مكافحة غسل الأموال وتمويل الإرهاب والضوابط الرقابية الخاصة بمكافحة غسل الأموال issued by the banks for customers issued by the Money Laundering and Terrorist Financing Combating Unit and the special regulatory controls for combating money laundering Translation: Issued by banks for clients issued by the Money Laundering and Terrorist Financing Combating Unit and the special regulatory controls for combating money laundering.

وتمويل الإرهاب. and terrorist financing.
Translation: And terrorist financing.

1 - قواعد عامة
Translation: 1 - General rules

يراعى أن تشمل سياسات البنك ذات الصلة ما يضمن التحقق من هوية المستفيد الحقيقي، على أن تتضمن الإجراءات الداخلية It should be taken into account that the relevant bank policies include what guarantees verification of the identity of the real beneficiary, provided that the internal procedures include Translation: It should be taken into account that the relevant bank policies include what guarantees verification of the identity of the true beneficiary, provided that the internal procedures include.

للبنك كحد أدنى ما يلي:
of the bank at least the following:
Translation: Of the bank at least the following:

١-١ المستندات اللازمة لدراسة هيكل الملكية والسيطرة على العميل وتحديد المستفيدين الحقيقيين وفقاً للشكل القانوني للعميل 1-1 The documents necessary to study the ownership and control structure over the client and identify the real beneficiaries according to the legal form of the client Translation: 1-1 The documents necessary to study the ownership and control structure over the client and identify the real beneficiaries according to the legal form of the client.

شخص طبيعي، شخص اعتباري، ترتيب قانوني). natural person, legal person, legal arrangement).
Translation: Natural person, legal person, legal arrangement).

١-٢ آلية التعرف على الهوية والتحقق منها للأشخاص الطبيعية الذين تم تحديدهم كمستفيدين حقيقيين وفقاً لإجراءات العناية 1-2 The mechanism for identifying and verifying the identity of natural persons who have been identified as real beneficiaries in accordance with due diligence procedures Translation: 1-2 The mechanism for identifying and verifying the identity of natural persons who have been identified as real beneficiaries in accordance with due diligence procedures.

الواجبة بالعملاء الصادرة عن وحدة مكافحة غسل الأموال وتمويل الإرهاب. due by the clients issued by the Money Laundering and Terrorist Financing Combating Unit. Translation: Due by the clients issued by the Money Laundering and Terrorist Financing Combating Unit.

١-٣ آلية متابعة وتحديث بيانات ومعلومات العملاء وفقاً للضوابط الرقابية الصادرة بشأن مكافحة غسل الأموال وتمويل الإرهاب 1-3 The mechanism for monitoring and updating customer data and information in accordance with the regulatory controls issued regarding combating money laundering and terrorist financing Translation: 1-3 The mechanism for monitoring and updating customer data and information in accordance with the regulatory controls issued regarding combating money laundering and terrorist financing.

وإجراءات العناية الواجبة بعملاء البنوك وذلك بصفة دورية وفقاً لدرجة المخاطر. and due diligence procedures for bank clients on a periodic basis according to the degree of risk. Translation: And due diligence procedures for bank clients on a periodic basis according to the degree of risk.

مع مراعاة أن تتناسب الإجراءات المطبقة مع مستوى المخاطر أو الشكوك المتعلقة بإخفاء المستفيد الحقيقي.
Translation: Taking into account that the applied procedures are commensurate with the level of risk or doubts related to concealing the real beneficiary.

۲- مفهوم المستفيد الحقيقي
Translation: 2- The concept of the real beneficiary

٢-١ المستفيد الحقيقي هو كل شخص طبيعي تؤول له فعلياً ملكية العميل أو السيطرة الفعلية عليه بشكل مباشر أو غير مباشر أو 2-1 The real beneficiary is every natural person who actually owns the client or effectively controls him directly or indirectly or Translation: 2-1 The real beneficiary is every natural person who actually owns the client or effectively controls him directly or indirectly or.

تتم العمليات نيابة عنه، ويمكن أن يكون شخص طبيعي واحد أو أكثر. operations are carried out on his behalf, and it can be one or more natural persons. Translation: Operations are carried out on his behalf, and it can be one or more natural persons.

٢-٢ الملكية القانونية والمستفيد الحقيقي مفهومان منفصلان حيث يمكن اعتبار الشخص الطبيعي مستفيد حقيقي استناداً إلى الملكية 2-2 Legal ownership and the real beneficiary are two separate concepts where the natural person can be considered a real beneficiary based on ownership Translation: 2-2 Legal ownership and the real beneficiary are two separate concepts where the natural person can be considered a real beneficiary based on ownership.

أو السيطرة الفعلية التي يمارسها على الشخص الاعتباري. or the actual control he exercises over the legal person.
Translation: Or the actual control he exercises over the legal person.

٢-٣ بالنسبة للأشخاص الاعتبارية فغالباً ما يكون هيكل الملكية واضح من خلال الشركاء والمساهمين ويمكن الوصول إليه من 2-3 For legal persons, the ownership structure is often clear through the partners and shareholders, and access to it is possible from Translation: 2-3 For legal persons, the ownership structure is often clear through the partners and shareholders, and access to it is possible from.

خلال الحصول على المستندات الأساسية الدالة على ملكية الكيان مثل محاضر الجمعية العمومية ومحاضر مجلس الإدارة by obtaining the basic documents indicating the ownership of the entity such as the minutes of the General Assembly and the minutes of the Board of Directors Translation: By obtaining the basic documents indicating the ownership of the entity, such as the minutes of the General Assembly and the minutes of the Board of Directors.

أو غيرها من المستندات التي يرتئيها البنك، وكذا من خلال تتبع المعاملات. or other documents that the bank deems appropriate, as well as by tracking transactions. Translation: Or other documents that the bank deems appropriate, as well as by tracking transactions.

٢-٤ بالنسبة للصناديق الاستئمانية والهياكل المشابهة، يوجد بعض الأطراف التي ليس لها صفة المساهم أو المسيطر وفقاً 2-4 For trusts and similar structures, there are some parties that do not have the status of shareholder or controller according to Translation: 2-4 For trusts and similar structures, there are some parties that do not have the status of shareholder or controller according to.

لحصص الملكية ولكنهم يؤدون أدوار تعاقدية ويتمتعوا بحقوق والتزامات وفقاً لوثيقة الإنشاء Trust Deed. the ownership shares, but they perform contractual roles and enjoy rights and obligations in accordance with the Trust Deed establishment document. Translation: The ownership shares, but they perform contractual roles and enjoy rights and obligations in accordance with the Trust Deed establishment document.

• أمثلة على الأساليب المتبعة لإخفاء المستفيد الحقيقي
  Translation: - Examples of methods used to hide the real beneficiary

يمكن استغلال كافة أشكال الأشخاص الاعتبارية والترتيبات القانونية لإخفاء هوية المستفيدين الحقيقيين بهدف غسل الأموال All forms of legal persons and legal arrangements can be exploited to conceal the identity of real beneficiaries with the aim of money laundering Translation: All forms of legal persons and legal arrangements can be exploited to conceal the identity of real beneficiaries with the aim of money laundering.

وتمويل الإرهاب وتسهيل الأنشطة غير المشروعة، ويمكن الحد من تلك الممارسات من خلال تحديد البيانات والمعلومات المتعلقة and terrorist financing and facilitating illicit activities, and these practices can be reduced by identifying data and information related to Translation: And terrorist financing and facilitating illicit activities, and these practices can be reduced by identifying data and information related to.

بالمستفيدين الحقيقيين ومصدر الأصول والأموال بشكل دقيق، وفيما يلي أبرز الاساليب المتبعة في هذا الشأن:
the real beneficiaries and the source of assets and funds accurately, and the following are the most prominent methods used in this regard:
Translation: The true beneficiaries and the source of assets and funds accurately, and the following are the most prominent methods used in this regard.

• التصريح عن مستفيدين حقيقيين غير فعليين:
  Translation: - Declaring non-actual real beneficiaries:

التصريح عن مستفيدين حقيقيين غير فعليين لأي من السلطات أو الجهات بالدولة، وذلك بغرض اخفاء الطبيعة الحقيقية Declaring non-actual real beneficiaries to any of the authorities or entities in the country, in order to hide the true nature Translation: Declaring non-actual real beneficiaries to any of the authorities or entities in the country, in order to hide the true nature.

للمعاملات التي تتم لمصلحة المستفيد الحقيقي الفعلي. of the transactions that are carried out for the benefit of the actual real beneficiary. Translation: Of the transactions that are carried out for the benefit of the actual real beneficiary.

۲-۳ استخدام الشركات الوهمية:
Translation: 2-3 Using shell companies:

تأسيس شركات لا يتناسب حجم أصولها أو أعمالها أو بلد التأسيس مع طبيعة نشاطها أو غرض تأسيسها.
Establishing companies whose size of assets or business or the country of incorporation does not match the nature of their activity or purpose of establishment. Translation: Establishing companies whose size of assets or business or the country of incorporation does not match the nature of their activity or purpose of establishment.

• استخدام الشركات الخاملة:
  Translation: - Using dormant companies:

يتم إخفاء هوية المستفيدين الحقيقيين من خلال استخدام شركات تم تأسيسها بشكل قانوني، ومارست أنشطتها لفترة من The identity of the real beneficiaries is concealed through the use of companies that were legally established and practiced their activities for a period of time Translation: The identity of the real beneficiaries is concealed through the use of companies that were legally established and practiced their activities for a period of time.

الزمن ثم توقفت أنشطتها أو انخفضت بشكل كبير، حيث يتم بيع هذه الشركات ونقل ملكية الحصص أو الأسهم من الشركاء of time, then their activities stopped or decreased significantly, where these companies are sold and ownership of shares is transferred from the partners Translation: Of time, then their activities stopped or decreased significantly, where these companies are sold and ownership of shares is transferred from the partners.

غير النشطين الى المساهمين الجدد. non-active to new shareholders.
Translation: Non-active to new shareholders.

٣ - ٤ استخدام شركات الواجهة:
Translation: 3 - 4 Use of front companies:

شركات تجارية مشروعة تعمل على إخفاء الأنشطة المالية غير المشروعة أو ذات مخاطر ترتبط بغسل الأموال Legitimate commercial companies work to conceal illicit financial activities or activities with risks related to money laundering Translation: Legitimate commercial companies work to conceal illicit financial activities or activities with risks related to money laundering.

وتمويل الإرهاب من خلال دمج إيرادات من الأنشطة المشروعة التي تعتمد بشكل كبير على النقد مع إيرادات الأنشطة and terrorist financing by merging revenues from legitimate activities that rely heavily on cash with revenues from activities Translation: And terrorist financing by merging revenues from legitimate activities that rely heavily on cash with revenues from activities.

غير المشروعة لغسل إيرادات الجرائم، حيث يتم إيداع هذه الأموال في الحسابات البنكية بصفتها ايرادات تتعلق بالنشاط illegal to launder proceeds of crime, where these funds are deposited into bank accounts as revenues related to activity Translation: Illegal to launder proceeds of crime, where these funds are deposited into bank accounts as revenues related to activity.

المشروع ومن ثم استعمالها أو صرفها لمصلحة المستفيد الحقيقي. project and then used or spent for the benefit of the real beneficiary. Translation: Project and then used or spent for the benefit of the real beneficiary.

٣ - ٥ استخدام هياكل ملكية معقدة:
Translation: 3 - 5 Using complex ownership structures:

استخدام هياكل ملكية متعددة ومعقدة دون داعي، بحيث تكون ملكية الأسهم لأشخاص اعتبارية أخرى، قد يكونوا في Using multiple and complex ownership structures unnecessarily, so that ownership of shares belongs to other legal persons, who may be in Translation: Using multiple and complex ownership structures unnecessarily, so that ownership of shares belongs to other legal persons, who may be in.

دول متعددة، بما يحول دون الربط بين الأصول والمستفيد الحقيقي. multiple countries, which prevents linking assets and the real beneficiary. Translation: Multiple countries, which prevents linking assets and the real beneficiary.

٣ - ٦ المساهمون أو المديرون بالنيابة:
Translation: 3 - 6 Shareholders or managers on behalf:

امتلاك الأسهم أو القيام بأعمال الإدارة بالنيابة عن المستفيد الحقيقي، والتصرف وفقاً لتوجيهاته وبالتالي لا يكون Owning shares or performing management work on behalf of the real beneficiary, and acting according to his instructions, and therefore the shareholder is not Translation: Owning shares or performing management work on behalf of the real beneficiary, and acting according to his instructions, and therefore the shareholder is not.

المساهم أو المدير بالإنابة المستفيد الحقيقي. the proxy shareholder or manager the real beneficiary.
Translation: The proxy shareholder or manager the real beneficiary.

۷-۳ استخدام القروض والفواتير الوهمية:
Translation: 7-3 Using loans and fake invoices:

يتم ذلك من خلال إصدار فواتير وهمية وتحويل أموال مقابلها الى شركات اخرى، وإعادة هذه المبالغ في شكل قروض This is done by issuing fake invoices and transferring funds in exchange to other companies, and returning these amounts in the form of loans Translation: This is done by issuing fake invoices and transferring funds in exchange to other companies, and returning these amounts in the form of loans.

وهمية بهدف إخفاء مصادر الأموال. fictitious with the aim of concealing the sources of funds.
Translation: Fictitious with the aim of concealing the sources of funds.

۸-۳ استخدام الأسهم لحاملها:
Translation: 8-3 Use of bearer shares:

هي الأدوات القابلة للتداول التي تمنح الملكية لمن يحملها، وأي أدوات أخرى مماثلة دون إمكانية تتبعها، ويمكن نقل They are tradable instruments that grant ownership to whoever holds them, and any other similar instruments without the possibility of tracking them, and ownership can be transferred Translation: They are tradable instruments that grant ownership to whoever holds them, and any other similar instruments without the possibility of tracking them, and ownership can be transferred.

الملكية من خلال تبادل هذه الأدوات بشكل غير رسمي بين الأطراف ذات العلاقة، دون الحاجة الى توثيق أو تسجيل by exchanging these instruments informally between the related parties, without the need to document or register Translation: By exchanging these instruments informally between the related parties, without the need to document or register.

نقل الملكية، وبالتالي تكون الشركة المصدرة غير قادرة على تحديد هوية المساهم الا عند استخدامها بغرض حضور the transfer of ownership, and therefore the issuing company is unable to determine the identity of the shareholder except when used for the purpose of attending Translation: The transfer of ownership, and therefore the issuing company is unable to determine the identity of the shareholder except when used for the purpose of attending.

اجتماعات الجمعية العامة أو عند توزيع الأرباح، علماً بأنه يحظر التعامل بالأسهم لحاملها في جمهورية مصر العربية meetings of the General Assembly or when distributing profits, knowing that dealing with bearer shares is prohibited in the Arab Republic of Egypt Translation: Meetings of the General Assembly or when distributing profits, knowing that dealing with bearer shares is prohibited in the Arab Republic of Egypt.

وفقاً لتعديلات قانون سوق رأس المال رقم 95 لسنة ١٩٩٢ الصادرة بالقانون رقم 17 لسنة ٢٠١٨. according to the amendments to the Capital Market Law No. 95 of 1992 issued by Law No. 17 of 2018. Translation: According to the amendments to the Capital Market Law No. 95 of 1992 issued by Law No. 17 of 2018.

٤- تحديد المستفيد الحقيقي
Translation: 4- Identifying the real beneficiary

٤ - ١ المستفيد الحقيقي للأشخاص الطبيعية
Translation: 4 - 1 The real beneficiary for natural persons

يكون العميل هو المستفيد الحقيقي إلا في حالة وجود شخص طبيعي آخر يتصرف بالنيابة عنه وفقاً لتوكيل او تفويض او The client is the real beneficiary, except in the event that another natural person acts on his behalf according to a power of attorney or authorization or Translation: The client is the real beneficiary, except in the event that another natural person acts on his behalf according to a power of attorney or authorization or.

كممثل قانوني، وكذا وجود مؤشرات تفيد بأن الشخص المفوض هو المستفيد الحقيقي من الحساب وليس العميل صاحب as a legal representative, as well as the existence of indicators that the authorized person is the real beneficiary of the account and not the client who owns Translation: As a legal representative, as well as the existence of indicators that the authorized person is the real beneficiary of the account and not the client who owns.

الحساب، ويتم معرفة ذلك من خلال طبيعة العمليات أو طريقة ادارة الحساب. the account, and this is known through the nature of the operations or the method of managing the account. Translation: The account, and this is known through the nature of the operations or the method of managing the account.

٤ - ٢ المستفيد الحقيقي للأشخاص الاعتبارية
Translation: 4 - 2 The real beneficiary for legal persons

في حالة الأشخاص الاعتبارية بما يشمل الشركات والهيئات التجارية والمؤسسات أو الكيانات أو الاتحادات أو الجمعيات In the case of legal persons, including companies, commercial entities, institutions or entities or unions or associations Translation: In the case of legal persons, including companies, commercial entities, institutions or entities or unions or associations.

غير الهادفة للربح أو أي جهات مشابهة، يتم تحديد المستفيد الحقيقي والتحقق من هويته على النحو التالي:
non-profit or any similar entities, the real beneficiary is identified and his identity is verified as follows:
Translation: Non-profit or any similar entities, the real beneficiary is identified and his identity is verified as follows:

شخص طبيعي له
حصص ملكية
مسيطرة
Translation: A natural person who has controlling ownership shares

شخص طبيعي
يمارس السيطرة
الفعلية من خلال
وسائل أخرى
Translation: A natural person who exercises actual control through other means

في حالة عدم
التوصل إلى أشخاص
ينطبق عليهم ما
سبق
شخص طبيعي ذو
منصب اداری عال
Translation: In the event that persons do not reach them, what applies to them has already a natural person with a high administrative position

٤-٢-١ التعرف على هوية الأشخاص الطبيعيين الذين لهم حصص ملكية مسيطرة على العميل Translation: 4-2-1 Identifying the identity of natural persons who have controlling ownership shares in the client

بالنسبة للأشخاص الاعتبارية فيمكن في معظم الأحوال الوصول لهيكل الملكية والمستفيدين الحقيقيين من خلال الحصول For legal persons, in most cases, it is possible to access the ownership structure and the real beneficiaries by obtaining Translation: For legal persons, in most cases, it is possible to access the ownership structure and the real beneficiaries by obtaining.

على المستندات الدالة على ملكية الكيان (مثل صحيفة الشركات والنظام الأساسي ومحاضر الجمعية العمومية ومحاضر the documents indicating the ownership of the entity (such as the corporate charter, the articles of association, the minutes of the General Assembly, and the minutes Translation: The documents indicating the ownership of the entity (such as the corporate charter, the articles of association, the minutes of the General Assembly, and the minutes.

مجلس الإدارة، وكذا من خلال تتبع تعاملات الكيان، ويتم تحديد هوية الشخص الطبيعي أو الأشخاص الطبيعيين الذين of the Board of Directors), as well as by tracking the entity's transactions, and the identity of the natural person or the natural persons is determined who Translation: Of the Board of Directors), as well as by tracking the entity's transactions, and the identity of the natural person or the natural persons is determined who.

لهم حصة ملكية مسيطرة (تساوي ٢٥% فأكثر) على النحو التالي:
have a controlling ownership share (equal to 25% or more) as follows:
Translation: Have a controlling ownership share (equal to 25% or more) as follows:

٤-٢-١-١
Translation: 4-2-1-1

الملكية المباشرة: عندما يساهم الشخص بشكل مباشر في شخص اعتباري.
Direct ownership: When a person directly contributes to a legal person.
Translation: Direct ownership: When a person directly contributes to a legal person.

٤-٢-١-٢
Translation: 4-2-1-2

الملكية غير المباشرة: عندما يمتلك الشخص نسبة من حصص شخص اعتباري (أ) من خلال مساهمته في Indirect ownership: When a person owns a percentage of the shares of a legal person (A) through his contribution to Translation: Indirect ownership: When a person owns a percentage of the shares of a legal person (A) through his contribution to.

شخص اعتباري آخر أو أكثر لديه / لديهم حصة ملكية في الشخص الاعتباري (أ) . another legal person or more has / have an ownership share in the legal person (A). Translation: Another legal person or more has / have an ownership share in the legal person (A).

٤-٢-١-٣
Translation: 4-2-1-3

امتلاك حصة مباشرة وأخرى غير مباشرة، وفي هذه الحالة يتعين جمع تلك الحصص لتحديد إذا كانت مسيطرة Owning a direct share and another indirect share, and in this case, those shares must be combined to determine whether they are controlling Translation: Owning a direct share and another indirect share, and in this case, those shares must be combined to determine whether they are controlling.

(تساوي ٢٥% فأكثر).
(equal to 25% or more).
Translation: (equal to 25% or more).

٤ - ٢ - ١-٤
Translation: 4 - 2 - 1-4

امتلاك مساهمات غير مباشرة في عدة أشخاص اعتبارية، حيث يمكن لشخص طبيعي واحد أن يؤثر بشكل غير Owning indirect contributions in several legal persons, where a single natural person can indirectly affect Translation: Owning indirect contributions in several legal persons, where a single natural person can indirectly affect.

مباشر على الشخص الاعتباري من خلال المشاركة بمجموعة من الأشخاص الاعتبارية الأخرى، وذلك عندما direct to the legal person by participating in a group of other legal persons, and that is when Translation: Direct to the legal person by participating in a group of other legal persons, and that is when.

تصل نسبة هذه المساهمات إلى ٢٥% أو أكثر. the percentage of these contributions reaches 25% or more.
Translation: The percentage of these contributions reaches 25% or more.

٤-٢-٢ التعرف على هوية الأشخاص الطبيعيين الذين يمارسون سيطرة فعلية على العميل من خلال وسائل أخرى بخلاف 4-2-2 Identifying the identity of the natural persons who exercise actual control over the client through means other than Translation: 4-2-2 Identifying the identity of the natural persons who exercise actual control over the client through means other than.

الملكية المسيطرة)، وذلك من خلال ما يلي على سبيل المثال لا الحصر:
controlling ownership), and this is through the following by way of example and not limitation:
Translation: Controlling ownership), and this is through the following by way of example and not limitation:

٤ - ٢-٢-١ العلاقات الشخصية أو الأسرية أو التعاقدية مع المساهمين.
Translation: 4 - 2-2-1 Personal, family or contractual relationships with shareholders.

٤ - ٢ - ٢- ٢ امتلاك نسبة غالبة من حقوق التصويت.
Translation: 4 - 2 - 2- 2 Owning a majority of voting rights.

٤ - ٢-٢-٣ شروط واحكام أدوات الدين أو ترتيبات التمويل الأخرى.
Translation: 4 - 2-2-3 Terms and conditions of debt instruments or other financing arrangements.

٤ - ٢ - ٢-٤ تعيين غالبية أعضاء مجلس الإدارة أو التحكم على أي نحو في القرارات التي يصدرها مجلس الإدارة أو Translation: 4 - 2 - 2- 4 Appointing the majority of the members of the Board of Directors or controlling in any way the decisions issued by the Board of Directors or

الجمعية العامة. the General Assembly.
Translation: The General Assembly.

٤ - ٢-٣ التعرف على هوية الأشخاص الطبيعيون ذوي المناصب الإدارية العليا Translation: 4 - 2-3 Identifying the identity of the natural persons with high administrative positions

في حال عدم التوصل الى اشخاص ينطبق عليهم ما سبق، يتم اعتبار الشخص الطبيعي القائم على إدارة العميل كمستفيد In the event that individuals who meet the above are not reached, the natural person in charge of managing the client is considered a beneficiary Translation: In the event that individuals who meet the above are not reached, the natural person in charge of managing the client is considered a beneficiary.

حقيقي، مثل رئيس مجلس الإدارة أو الرئيس التنفيذي / العضو المنتدب، أو المديرين التنفيذيون المسئولون عن القطاعات real, such as the chairman of the board of directors or the chief executive officer / managing member, or the executive directors responsible for the sectors Translation: Real, such as the chairman of the board of directors or the chief executive officer / managing member, or the executive directors responsible for the sectors.

الرئيسية بالشركة المسئولين عما يلي:
main at the company responsible for the following:
Translation: Main at the company responsible for the following:

٤-٢-٣-١ اتخاذ قرارات بإقالة بعض المسؤولين أو المديرين.
Translation: 4-2-3-1 Making decisions to dismiss