A periodic book on September 1, 2025 on the controls of the banking services units

Dear Professor / Chairman of the Board
Bank
Cairo on: September 1, 2025

Greetings,

As part of the Central Bank's direction towards making banking services available to all segments of society, including individuals and medium-sized companies, and small and micro enterprises in an accessible and high-quality manner with the aim of promoting financial inclusion, especially in remote areas and places that do not have bank branches, the Board of Directors of the Central Bank of Egypt approved in its meeting held on August 27, 2025, the following decision:

Banks are allowed to open banking service presence units outside the scope of their branches, and these units are excluded from the allocation requirements from the bank's core capital for opening branches, according to the following specifications:

Types of banking service presence units:

Definition	Allowed Services
Mobile branches	Providing all banking services for individuals and micro, small, and medium enterprises as follows:
A mobile banking service presence unit not linked to a fixed location, which may take one of the following forms (equipped bus, equipped car, equipped units... etc.)	1. Cash operations of withdrawal and deposit through ATMs only.
	2. Receiving requests for various banking transactions (opening accounts, updating customer data, granting loans, issuing bank cards, transfers, digital financial services... etc.) and sending them to the relevant departments in the bank to complete their procedures, as well as receiving complaints.
Community branches	3. Delivering bank cards.
A fixed banking service presence unit with a low-cost infrastructure, which may take one of the following forms, for example, without limitation:	4. Providing financial education programs and awareness of banking services and digital financial services as prepared by the bank in this context.
	5. Providing financial advice to entrepreneurs and owners of micro, small, and medium enterprises.
Small fixed outlets that do not exceed its area of 100 meters.	6. Marketing and promoting the bank's products and services.
Units inside local units, or in youth centers or agricultural associations, or inside sales centers, ... etc.

Temporary Community Units (Community pop-ups)	Providing specific banking services for individuals and micro, small, and medium enterprises as follows:
A temporary presence unit where bank representatives provide financial education services, advisory services, and some banking services.	1. Receiving requests for opening accounts, updating customer data, issuing bank cards, digital financial services.
	2. Providing financial education programs and awareness of banking services and digital financial services as prepared by the bank in this context.
	3. Providing financial advice to entrepreneurs and owners of micro, small, and medium enterprises.
	4. Marketing and promoting the bank's products and services.

Requirements for opening banking service presence units:

2-1 General requirements:

2-1-1 Develop an annual plan to open banking service presence units - including the marketing plan - in centers and governorates that lack bank branches, after coordination with the financial inclusion sector at the Central Bank.

2-1-2 Notify the banking affairs sector at least one month before the actual start date of the units' activity or stop them.

2-1-3 Notify the banking affairs sector immediately upon cessation of work in any of the banking service presence units or suspension of electronic work systems.

2-1-4 Establish internal procedures to reduce the risks associated with providing banking services through units.

2-1-5 Determine the working hours in the units and announce them on the bank's website.

2-1-6 The presence of at least two bank employees in the units, in addition to security officials.

2-1-7 Maintain the general appearance of the bank in a way that does not prejudice its identity, while placing its logo on the banking service presence units.

2-1-8 Use appropriate methods to maintain the confidentiality and integrity of information circulating through the bank's internal and external network, in accordance with the instructions issued in this regard.

2-1-9 Emphasize the need to adhere to all controls and rules regulating the opening of accounts issued by the Central Bank as well as due diligence procedures issued by the Anti-Money Laundering and Terrorism Financing Unit.

2-1-10 It is prohibited to conduct any cash transactions in temporary banking service presence units, provided that customers are directed to the nearest ATM or headquarters through which such transactions can be carried out.

2-1-11 The bank is allowed to be present in temporary banking service presence units for a maximum period of 3 months, and in the event that the bank wishes to extend the period or stay for a period exceeding three months, a request must be submitted prior to the date of Presence a minimum of two weeks to obtain prior approval from the Central Bank.

2-2 Additional requirements for mobile and fixed banking service presence units:

2-2-1 The bank must submit the unit plan to the Banking Affairs Sector of the Central Bank to obtain prior approval in February of each year, as part of the annual plan referred to in item 2-1-1, explaining the following as a minimum:

A. Places of areas (governorates) the presence of those headquarters (for fixed banking service units only).