Notice No. 5/GBM/2025, of October 21 — Submission of Statistical Information to the Bank of Mozambique

Prova Tuesday, October 21, 2025 | SERIES I — Number 201 SUMMARY NOTICE The matter to be published in the «Boletim da República» (Republic Gazette) must be submitted as a duly authenticated copy, one per subject matter, containing, in addition to the necessary indications for this purpose, the following endorsement, signed and authenticated: For publication in the «Boletim da República». IMPRENSA NACIONAL DE MOÇAMBIQUE, E. P. Bank of Mozambique: Notice No. 5/GBM/2025: Establishes the terms for submitting to the Bank of Mozambique information necessary for compiling statistics on securities issuances, transactions and positions, distribution of the agency network of credit institutions and financial companies, system interest rates, credits and deposits, external sector and National Payments System, and revokes Notice No. 4/GBM/2020 of April 23. Notice No. 6/GBM/2025: Approves the Climate Risk Management Guidelines. Notice No. 7/GBM/2025: Establishes Guideline Directives on the policy for equitable access to and use of financial products and services. BANK OF MOZAMBIQUE Notice No. 5/GBM/2025 of October 21 Since it is necessary to expand the statistical information base, with a view to monitoring the various forms of fund transmission between economic agents (resident and non-resident), as well as volumes, values, instruments and payment obligations, and the evolution of the national financial system, the Bank of Mozambique, pursuant to paragraph 2 of Article 16 of Law No. 1/92 of January 3 (Organic Law of the Bank of Mozambique) and paragraph d) of Article 7 of Law No. 2/2008 of February 27 (National Payments System Law), determines:

ARTICLE 1 Subject Matter / Purpose This Notice establishes the terms for submitting to the Bank of Mozambique information necessary for compiling statistics on securities issuances, transactions and positions, distribution of the agency network of credit institutions and financial companies, system interest rates, credits and deposits, external sector and National Payments System.

ARTICLE 2 Scope of Application

1. This Notice applies to: a) Credit institutions and financial companies; b) Participants in the National Payments System.
2. This Notice also applies to public or private legal entities subject to foreign exchange legislation.

ARTICLE 3 Submission of Information to the Bank of Mozambique

1. Institutions covered by this Notice must submit to the Bank of Mozambique, as applicable, information regarding: a) Securities issuances, transactions and positions, namely those in their own portfolios and in client portfolios held or managed by them; b) List of authorized agencies (active and closed), segregated by province and respective district; c) List of active banking agents; d) Number of ATMs (Automated Teller Machines), value and volume of transactions conducted via ATM; e) Number of POS (Point of Sale) terminals and transactions conducted via POS; f) List of agencies, non-banking agents and geospatial location details; g) Number of clients and bank accounts; h) Number of clients and basic or simplified bank accounts; i) Number of clients and bank cards; j) Number of subscribed clients and transactions conducted via mobile banking; k) Number of subscribed clients and transactions conducted via internet banking; l) Number of active and inactive accounts and subscribed clients of Electronic Money Institutions; m) Number of agents, subscribed clients and electronic money transactions; n) Intra-bank transactions; o) SWIFT message flow and remittances; p) Total downtime per service type; q) Number of transaction failures per service type; r) Number of frauds in payment and electronic clearing means; s) Volume of rejected transactions per service type; t) Interest rates on balances and new credit operations charged to clients, considering the maturity and currency of operations, as well as information on credits granted and deposits received; and u) Foreign exchange operations table, balance of payments surveys and coordinated survey on direct investment (CDIS).
2. All information that entities are required to report, pursuant to the preceding paragraph, must include data relating to persons with disabilities, by product or service type.
3. The submission of the information referred to in paragraph 1 must be carried out electronically, and observe monthly, quarterly or annual periodicity, as applicable.
4. The Bank of Mozambique establishes, by Circular, the reporting templates for the information referred to in this Notice.
5. Entities must provide clarifications, as well as supplementary information requested by the Bank of Mozambique regarding the reported information.

ARTICLE 4 Information on Securities

1. The submission of information regarding securities issuances, transactions and positions to the Bank of Mozambique must be carried out as follows: a) Per security, per investor and per country of residence; b) When the investor is an individual, information must be submitted in aggregated form by country of residence of securities holders; and c) It must contain securities issued by residents and non-residents when traded or held by residents, namely: i. Treasury Bills; ii. Commercial Paper; iii. Bonds; iv. Shares/Equities; v. Investment fund participation units; and vi. Other securities.
2. The information referred to in the preceding paragraph must be reported in meticais.

ARTICLE 5 Information on the National Payments System The communication of information regarding the National Payments System must be carried out as follows: a) Information on ATMs, POS terminals, accounts, cards, subscribed mobile banking and internet banking clients, intra-bank transactions and service downtime must be reported by province and respective districts; b) Information on account holders, cardholders, internet banking, mobile banking and electronic money clients must be reported in disaggregated form; c) Information on SWIFT message flows must be reported by volume and value; d) Information on remittances must be reported detailing the identifier data of the counterparty in Mozambique and abroad, as well as transaction data; and e) Information on payment means fraud must be reported per each payment means and collection modality.

ARTICLE 6 Information on Interest Rates

1. Reporting information on interest rates for active and passive operations must consider maturity, prime rate, special credit lines, currency, amount, average, maximum and minimum rates.
2. Reporting information on interest rates for new operations must consider client and credit details, namely the Unique Tax Identification Number (NUIT), beneficiary name, province, disbursement date, client type, currency, amount, associated prime rate, spread, rate, rate type, maturity, purpose, credit type and economic sector.

ARTICLE 7 Information on Credits and Deposits

1. Reporting information on credits must consider institutional and economic sectors, purpose, utilization, demand, supply, repayment, restructuring, gender, age group and territorial distribution.
2. Reporting information on deposits must consider institutional sectors, type, currency, gender, age group and territorial distribution.

ARTICLE 8 Information on Foreign Exchange Operations

1. Statistics on foreign exchange operations must report import and export data for goods and services, primary and secondary income, capital transfers, financial account transactions and complementary operations, relating to client and institutional operations.
2. CDIS statistics must report data on the institution's external asset and liability positions.
3. Data on transaction flows with non-residents must be reported within the Balance of Payments framework.
4. Public or private legal entities subject to foreign exchange legislation must submit the information described in paragraphs 2 and 3.

ARTICLE 9 Sanctioning Regime Violation of the provisions of this Notice constitutes an offence punishable under applicable legislation.

ARTICLE 10 Repeal Notice No. 4/GBM/2020 of April 23 is hereby repealed, which establishes the terms for submitting to the Bank of Mozambique information necessary for compiling statistics on securities issuances, transactions and positions, distribution of the agency network of credit institutions and financial companies, system interest rates, credits and deposits, external sector and National Payments System.

ARTICLE 11 Clarification of Doubts Doubts regarding the interpretation and application of this Notice must be submitted to the Statistics and Reporting Department of the Bank of Mozambique.

ARTICLE 12 Entry into Force This Notice enters into force ninety days after the date of its publication. The Governor, Rogério Lucas Zandamela.

Notice No. 6/GBM/2025 of October 21 Since it is necessary to establish guidelines for incorporating management and mitigation mechanisms for the impact of climate risks into the risk management of financial institutions, the Bank of Mozambique, using the powers conferred by paragraph 2 of Article 90 of Law No. 20/2020 of December 31 (Law on Credit Institutions and Financial Companies), determines the following:

1. The Climate Risk Management Guidelines are hereby approved, attached to this Notice and forming an integral part thereof.
2. Violation of the provisions of this Notice constitutes an offence punishable under Law No. 20/2020 of December 31 (Law on Credit Institutions and Financial Companies).
3. This Notice enters into force 180 days after the date of its publication. Doubts regarding the interpretation and application of this Notice must be submitted to the Macroprudential Analysis Department of the Bank of Mozambique. The Governor, Rogério Lucas Zandamela.

CHAPTER I General Provisions ARTICLE 1 Subject Matter / Purpose This Notice establishes guidelines to mitigate the impact of climate risks on financial and non-financial risk categories.

ARTICLE 2 Scope of Application This Notice applies to credit institutions, financial companies and other institutions supervised by the Bank of Mozambique, hereinafter referred to as “institutions”.

CHAPTER II Climate Risk Management with Impact on Financial and Non-Financial Risks ARTICLE 3 Climate risk management

1. Institutions must identify, measure, control and monitor physical and transition risks, with impact on financial and non-financial risks that affect results and capital and liquidity positions.
2. Institutions must adopt a strategic approach to climate risk management, in line with risk appetite and in compliance with risk policies, procedures and controls, pursuant to the Risk Management Program established in the Risk Management Guidelines, approved by Notice No. 4/GBM/2013 of September 18.
3. Without prejudice to the preceding paragraph, in the Risk Management Program, institutions must include the climate risk management framework.

ARTICLE 4 Risk identification In the risk identification process, institutions must: a) Consider climate risks in primary or secondary risk categories, according to their relevance and impact; b) Evaluate how climate-related events and trends impact financial and operational performance; c) Evaluate the transmission process of climate risks to financial activity risks, described in the Risk Management Guidelines; d) Formulate plans for information collection, including microdata, keeping the inventory of climate risk events updated; e) Incorporate in their reports the results of stress tests that include the impact of climate risks on financial and non-financial risks; f) Consider the impact of climate risks on financial and non-financial risks in their internal capital adequacy self-assessment processes; and g) Identify economic activity sectors with greater exposure to climate risks and consider mitigation measures when contracting with entities from these sectors.

ARTICLE 5 Measurement and monitoring of climate risk

1. Institutions must implement a governance structure to measure and monitor the impact of climate risks on financial and non-financial risks.
2. For the purposes of the preceding paragraph, institutions must, at a minimum: a) Include risk indicators covering economic sectors and geographic location; b) Have an adequate climate risk monitoring process that includes the use of qualitative and quantitative tools and metrics; c) Ensure that the risk appetite framework incorporates exposure limits; d) Cover measures to encourage counterparties to provide relevant information, including disclosures on financial and non-financial climate-related risks; e) Consider processes and procedures to improve risk information aggregation and reporting, including investment in existing data infrastructure and systems, to ensure that data are reliable, accurate and comparable;