ANNEXES - INSTRUCTION 15

page 1 ANNEXES - INSTRUCTION 15

page 2 ANNUAL QUESTIONNAIRE

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ORGANIZATION OF THE AML/CFT FRAMEWORK

QUESTION NO.	DESCRIPTION	RESPONSES
1	Designation of persons responsible for AML/CFT risk prevention
2	Does your bank have procedures covering all its activities?
3	Do the provisions in the procedures remind staff members that they are protected from legal prosecution in case of good faith transmission of a STR?
4	Has your bank designated a person responsible for preventing money laundering and terrorist financing within its establishment in the DRC?
5	In the event that your bank has a subsidiary or branch abroad, have you designated a competent AML/CFT responsible person for the entire group?
6	Does a member of management ensure, under the control of the Board of Directors, the coordination of all devices contributing to the mission of preventing ML and TF?
7	Do the persons responsible for ensuring the coherence and effectiveness of the AML/CFT prevention device perform other operational tasks?
8	Has the executive body been informed of any fact having an impact on the honorability of the AML/CFT prevention manager and the BCC?
9	Is it provided that any fact having an impact on the honorability of the AML/CFT prevention manager is communicated to the BCC?
10	Is the AML/CFT manager directly attached to General Management?
11	Have all staff members received training on the prevention of money laundering and terrorist financing adapted to their functions?
12	Has the bank put in place an awareness program for all staff members on the detection of atypical operations?
13	Do the procedures provide for the retention for a period of 10 years of documents and records relating to the identity of its clients, including account books, commercial correspondence, and the results of any analysis?

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RISK ASSESSMENT

QUESTION NO.	DESCRIPTION	RESPONSES
1	Has the money laundering and terrorist financing risk map been formalized and documented in writing (on
2	is the risk map updated as soon as an event requires it and at least once a year? (indicate in the comment column the date of the last update)
3	Has the risk map been approved by the deliberative body?
4	To establish the risk map, have the following elements been analyzed
4a	risks related to your bank's clientele?
4b	risks related to the products and services offered by your bank?
4c	risks related to countries or geographic zones at risk?
4d	risks related to the distribution channels used by your bank?
4e	risks related to money laundering?
4f	risks related to terrorist financing?
4g	risks related to the provision of services and/or the execution of operations that are subject to financial sanctions, embargoes, and/or other restrictive measures?
5	Was the risk map established under the responsibility of the AML/CFT manager?
6	Is there a control of the relevance of the ML/TF risk map?
7	Has your bank carried out a general risk assessment during which the risks to which it is exposed in the field of AML/CFT were detected and evaluated?
8	Is there a control of the coherence between the ML/TF risk map and the procedures implemented by the operational lines?
9	Does your bank have a client acceptance policy formalized in an internal procedure approved by the deliberative body taking into account the risk map?
10	Is the acceptance policy updated at least once a year? (indicate in the comment the date of the last update and the events that led to this last update)

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IMPLEMENTATION OF TARGETED FINANCIAL SANCTIONS

QUESTION NO.	DESCRIPTION	RESPONSES
1	Application of asset freeze measures and prohibition of making funds available
2	Is your bank equipped with a device adapted to the characteristics of its activities to ensure that no funds are made available to a person or entity subject to an asset freeze measure?
2a	Does this device allow collecting current lists of a national or international asset freeze measure
2b	* a person or entity whose assets are frozen before any business relationship or the execution of an operation with an occasional client?
2c	* an ongoing business relationship with a person or entity subject to a freeze measure?
2d	* the funds or other assets held for the account of the client subject to such a measure?
3	* the funds or other assets that do not belong to a person or entity subject to an asset freeze measure but are controlled by it?
3a	Does your bank's device allow systematically controlling beforehand the offer of services if the following persons appear on the national and United Nations Security Council sanctions lists? (indicate in the comments column if your bank uses an automated system (e.g., managed application), manual (e.g., manual comparison of the client file with applicable sanctions lists), or a combination of the two for the controls mentioned above)
3b	new clients
3c	their representatives
4	the beneficial owners linked to client relationships (beneficial owners of clients, beneficial owners of client representatives, etc.)
5	Does your bank's device allow controlling during the execution or receipt of international payment transfers (payments received or made for the benefit of persons or remitted outside the DRC) if the counterparties of its clients appear on the sanctions lists or if the other information attached to the transfer shows correspondences with these lists?
6	Does your bank's device allow controlling during the execution or receipt of national transfers (payments within the territory of the DRC) if the counterparties of its clients appear on the sanctions lists or if the other information attached to the transfer shows correspondences with these lists?
7	Does your bank's device allow controlling during the granting of means (e.g., in the context of payments, repayments, credits, etc.) if a party present could have been sanctioned?
8	Are the instructions for handling alerts mentioned in the procedures that are disseminated to staff members?
9	Does your bank have procedures clarifying how to act within your establishment when it is found and established that one of the clients (one of its relationships) actually appears on the sanctions lists (effective match)? (e.g., procedure for freezing funds and/or assets, intervention of the appropriate hierarchical level, reporting to the Minister of Finance, etc.)
10	Do the procedures mention how the staff members of your bank must give eventual correspondences between the data of clients and their relationships (representatives, beneficial owners, and/or counterparties) and the sanctions lists to decide on the basis of this examination whether it is a false or effective correspondence with the sanctions lists?
11	Is the obligation to inform the National Financial Intelligence Unit without delay of the existence of funds or other assets belonging to persons or entities subject to a freeze decision mentioned in the bank's procedures?
12	Have controls (internal control or audit) been carried out to ensure the implementation of their entry into force of the measures freezing funds or other assets? (in the comments column, specify the date of the last control carried out on the asset freeze device)

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INTERNAL CONTROL

QUESTION NO.	DESCRIPTION	RESPONSES
1	Organization of the internal control device
1a	Has your bank put in place internal control procedures comprising the points below
1b	identification
1c	implementation of constant vigilance measures
1d	implementation of simplified vigilance measures
1e	implementation of enhanced vigilance measures
1f	detection of unusual or suspicious operations
1g	implementation of enhanced examination procedures
1h	retention of documents
1i	obligation to report suspicion to the National Financial Intelligence Unit
2	Does permanent control verify compliance
2a	with the obligation to report suspicion to the National Financial Intelligence Unit
2b	with the obligation to report suspicion to the National Financial Intelligence Unit
2c	with the handling of alerts
3	with declarative diligences
3a	Does permanent control verify compliance
3b	(specify the date of the last control on the AML/CFT device and communicate the report)
3c	collection of identification elements in the client file
3d	updating of client files
3e	modalities for transmitting declarative declarations
3f	updating of the ML and TF risk map
3g	coherence between the risk map and procedures related to AML/CFT
3h	effectiveness of the device for detecting and analyzing atypical operations
3i	effectiveness and relevance of the controls implemented by permanent control in matters of AML/CFT

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SUSPICIOUS TRANSACTION REPORTING AND CENAREF RESPONSIBLE

QUESTION NO.	DESCRIPTION	RESPONSES
1	Do the procedures provide that a suspicious transaction report must be made as soon as the account manager suspects or has good reasons to suspect that the sums withdrawn without the titles, the operation, or the attempted operation are related to money laundering or terrorist financing?
2	Do the procedures provide that the account manager must refrain from executing any operation of cash deposit or by electronic money carrying a unitary or higher amount of 10,000 dollars
3	(indicate in comments if the situation is different)
4	Do the declarative declaration procedures specify the duty to provide on the suspicious transaction report
4a	analysis elements?
4b	* When the transmission of the report to CENAREF is carried out prior to the execution of the operation in particular
4c	* Any information allowing to declare and demonstrate the suspicions?
5	Do the procedures provide to give the order not to perform identification diligences
6	* Operations carried out with a fiduciary fund or any other wealth management instrument being the identity of the beneficiaries or the beneficiaries is not known?
6b	* Operations that have been subject to an enhanced examination prescribed in article 46
6c	CENAREF CORRESPONDENT
7	Are the names of the CENAREF correspondents communicated to CENAREF as soon as they are designated? (in case of negative answer mention in the comments column the responsible person designated for this task and the organization of the device in the absence of identity and name)
8	Do the identity and contact details of the correspondents appear in the anti-money laundering procedures of the establishment?

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CONSTANT VIGILANCE OBLIGATION FOR ML/TF RISKS

QUESTION NO.	DESCRIPTION	RESPONSES
1	Client identification
2	Has your bank put in place a system allowing the detection of deposits and cash withdrawals for an amount greater than or equal to the equivalent in CDF of USD 10,000?
3	Do the procedures provide to enter into a business relationship or assist the client in the preparation or realization of an operation your bank proceeds
4	to the identification of the client and, if applicable, the beneficial owner of the business relationship
5	to the collection of information on the professional, economic, and financial situation of clients based on the risks presented in the business relationship
6	What are the documents accepted for the identification requirements defined in a procedure
7	voter card
8	refugee card issued by the National Commission for Refugees
9	national identity card
10	passport
11	student card attested by a university establishment recognized by the State that issued
12	army or police card
13	certificate from the Village Chief or Neighborhood Chief
14	list of beneficiaries of social programs duly identified by the competent authorities or the Social Fund of the DRC
15	birth certificate
16	Are the information related to client identification updated as needed to maintain complete knowledge of clients? (If yes, give in the comment the date of the last update of the questionnaire and explain the modifications made)
17	Do the device or procedures of your bank provide to establish a risk profile of the clientele according to the nature and importance of the money laundering and terrorist financing risk? (Specify the factors used to perform this classification)
18	Does the procedure provide the situations where the account manager must submit the admission of a new client to the opinion of his hierarchical superior?
19	In the hypothesis where the verification of the client and, if applicable, the beneficial owner, the collection of information on the object and nature of the business relationship proves impossible, do the procedures provide that your bank abstains from establishing the business relationship? (If yes, indicate in the comments the references of this internal procedure)
20	Does the procedure impose the vigilance measures to be implemented in the situation of an occasional client?
21	Has your bank been equipped with procedures of a device allowing to determine if the client or a beneficial owner of the client is a Politically Exposed Person
22	upon entering into a business relationship or during the business relationship during the business relationship?
23	Question No.
24	Operation surveillance
25	Do your bank's procedures require enhanced surveillance for operations carried out for the account of a certain category of clients (natural or legal persons, notably notaries, lawyers, accountants, companies that carry out as a habitual profession the intermediation and assistance in matters of wealth management?
26	Do your bank's procedures require the implementation
27	of enhanced vigilance regarding operations carried out by persons whose mail is domiciled with a third party in a post office box at the counters of a credit establishment or who change address frequently? (If yes, give in the comment the references of this procedure)
28	Enhanced vigilance procedures for higher ML/TF risks other than those provided by regulation?
29	Vigilance measures completed for lower ML/TF risks other than those provided by regulation?
30	Are the enhanced vigilance measures referred to in question 25 detailed in the procedure?
31	Question No.
32	Has your bank been equipped with an automated system for detecting atypical operations of the clientele? (If yes, explain in the comment the name and nature of the device put in place)
33	Do the internal instructions of your bank provide that the opening of anonymous accounts or accounts with fictitious names is prohibited?
34	Do your bank's procedures provide that complementary vigilance measures are applied to clients in the cases below
35	the client or his legal representative is not physically present for the purpose of identification?
36	the client is a politically exposed person?
37	the product or operation favors the anonymity of the latter?
38	the operations are carried out in favor of natural or legal persons domiciled, registered, or established in tax havens or States found on the grey or black list of the FATF?
39	Question No.
40	Do your bank's procedures provide for the systematic dissemination of the lists to clients in the previous question to all concerned staff?
41	Indicate if your bank's procedures require the complementary measures required in question 8
42	Has your bank put in place a procedure providing for an enhanced examination of any particularly complex operation, i.e., an operation presenting the characteristics below
43	an unusually high amount
44	an operation that does not appear to have an economic justification
45	an operation that does not appear to have a lawful object
46	Do the internal instructions of your bank provide to record in the framework of an enhanced examination the justifications of the analysis that led to the closure of the examination?
47	Question No.
48	Vigilance measures in case of banking correspondence
49	Prior to the conclusion of a service offer convention for banking correspondence, check collection, or discounting of checks or to establish a business relationship for the distribution of financial instruments, does your bank proceed in its AML/CFT file
50	collect from the corresponding establishment sufficient information to know the nature of its activities and appreciate the reputation and quality of the surveillance to which the reports on governance, internal control, the AML/CFT device, the auditors' reports, etc. are subject?
51	Verify if the establishment has been subject to sanctions notified by its supervisory Authority in case of advancements in its AML/CFT file?
52	provide in the banking correspondence convention or distribution of financial instruments the modalities for the transmission without delay of information on clients and their operations between corresponding establishments?

page 9 MONTHLY AML/CFT REPORTING

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SUPERVISION DEVICE FOR THE FIGHT AGAINST MONEY LAUNDERING AND TERRORIST FINANCING

CODE	DESCRIPTION	VALUE
LAB1	Constant vigilance
LAB2	Number of operations not appearing to have an economic justification (this month)
LAB3	Number of operations not appearing to have a lawful object (this month)
LAB4	Number of unusual or suspicious operations (this month)
LAB5	Number of cash operations greater than or equal to USD 10,000 (this month)
LAB6	Number of cash operations greater than USD 9,000 and less than USD 10,000 (this month)
LAB7	Number of clients with a high risk profile
LAB8	Number of clients with a medium risk profile
LAB9	Number of clients with a low risk profile
LAB10	Amount of operations of high-risk clients (this month)
LAB11	Amount of operations of medium-risk clients (this month)
LAB12	Amount of operations of low-risk clients (this month)
LAB13	Total amount of client operations (this month)
LAB14	Amount of operations with PEPs
LAB15	Number of PEPs
LAB16	Suspicious transaction report
LAB17	Number of suspicions reported to CENAREF (this month)
LAB18	Organization of the AML/CFT device
LAB19	Number of agents who have undergone AML/CFT training (this month)
LAB20	Total number of agents
LAB21	Number of accounts
LAB22	Number of non-resident accounts
LAB23	Number of operations with foreign entities (this month)
LAB24	Amount of banknote imports (this month)

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LOCATION

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CODE	LIBELLE	VALEUR
LAB1	Presence of entities belonging to the group of the Congolese entity (e.g.: sister company or parent company) in one of the following countries
LAB2	a) Republic of Congo, Rwanda, South Sudan, Tanzania, Angola, Central African Republic, Uganda, Zambia, Burundi?
LAB3	b) grey list?
LAB4	c) black list?
LAB5	d) offshore centers or territories?
LAB6	e) other countries
LAB7	What is the distribution of the client portfolio by location:
LAB8	a) total number of clients in DRC - Excluding those who opened their accounts in an agency located in the following provinces: North Kivu, South Kivu, Ituri, Maniema, Haut-Uele, Bas-Uele (this month)
LAB9	b) total number of clients in DRC who opened their account located in the following provinces: North Kivu (this month)
LAB10	bii) total number of clients in DRC who opened their account located in the following provinces: South Kivu (this month)
LAB11	biii) total number of clients in DRC who opened their account located in the following provinces: Ituri (this month)
LAB12	biv) total number of clients in DRC who opened their account located in the following provinces: Maniema (this month)
LAB13	bv) total number of clients in DRC who opened their account located in the following provinces: Haut-Uele (this month)
LAB14	bvi) total number of clients in DRC who opened their account located in the following provinces: Bas-Uele (this month)
LAB15	c) number of clients in Congo, Rwanda, South Sudan, Tanzania, Angola, Central African Republic, Uganda, Zambia and Burundi?
LAB16	d) number of clients in a country on the FATF grey list?
LAB17	e) number of clients in a country on the FATF black list?
LAB18	f) number of clients in another country
LAB19	Among incoming transfer operations, how many were executed from an account opened in one of the following countries:
LAB20	a) Congo
LAB21	b) Rwanda
LAB22	c) South Sudan
LAB23	d) Tanzania
LAB24	e) Sudan
LAB25	f) grey list?
LAB26	g) black list?
LAB27	h) other countries?

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CLIENT PORTFOLIO

CODE	LIBELLE	VALEUR
LAB1	Indicate the total number of persons or entities who during the year, although meeting the criteria defined by the client acceptance policy, were refused for reasons related to AML/CFT.
LAB2	What is the number of PEPs
LAB3	What is the number of non-resident clients
LAB4	What is the total number of clients by legal status
LAB5	a) number of natural persons?
LAB6	b) number of legal entities?
LAB7	c) number of trusts?
LAB8	d) number of legal constructors?
LAB9	e) number of associations?
LAB10	Provide the breakdown of your client portfolio by the risk categories retained by your organization
LAB11	a) number of high-risk clients?
LAB12	b) number of medium-risk clients?
LAB13	c) number of low-risk clients?

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PRODUCT, SERVICE AND OPERATIONS

CODE	LIBELLE	VALEUR
LAB1	Total number of operations
LAB2	Total number of bank guarantees from a person established in a listed country or a tax haven
LAB3	Total number of bank guarantees
LAB4	Total number of credits
LAB5	Total number of consumer credits
LAB6	Total number of credit guaranteed by a DAT
LAB7	Number of cash operations (Debit) > 10k USD
LAB8	Total number of cash operations (Debit)
LAB9	Number of cash operations (Credit) > 10k USD
LAB10	Total number of cash operations (Credit)
LAB11	Number of international transfers
LAB12	Total amount of operations carried out by exchange offices
LAB13	Number of operations carried out by exchange offices
LAB14	Number of national transfers
LAB15	Provide in amount the distribution of operations executed during the month according to the different client risk categories defined by your organization. (In CDF Unit)
LAB16	a) low risk
LAB17	b) medium risk
LAB18	c) high risk

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DISTRIBUTION CHANNELS

CODE	LIBELLE	VALEUR
LAB1	Number of operations carried out by Mobile banking
LAB2	Number of operations carried out by internet banking
LAB3	Number of operations carried out via banking agents
LAB4	Total amount of operations carried out by Mobile banking
LAB5	Total amount of operations carried out by internet banking
LAB6	Total amount of operations carried out via banking agents
LAB7	Number of outgoing international electronic transfers - to - listed countries
LAB8	Number of incoming electronic transfers - from - listed countries
LAB9	Total number of transfer operations executed by financial messaging services backed by a banking institution (debit)
LAB10	Total number of transfer operations executed by financial messaging services backed by a banking institution (credit)
LAB11	Total amount of transfer operations executed by financial messaging services backed by a banking institution (debit)
LAB12	Total amount of transfer operations executed by financial messaging services backed by a banking institution (credit)

page 15 ANNEX DSSP

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ANTI-MONEY LAUNDERING AND COUNTER-TERRORIST FINANCING FRAMEWORK

LIBELLE	VALEUR
1. Constant vigilance
Number of operations that do not appear to have an economic justification
Number of operations that do not appear to have a lawful object
Number of unusual or suspicious operations
Number of clients with a high risk profile
Number of clients with a medium risk profile
Number of clients with a low risk profile
Amount of operations for high-risk clients
Amount of operations for medium-risk clients
Total amount of client operations
Amount of operations with PEPs
Number of PEPs
2. Suspicious transaction reporting
Number of suspicions reported to CENAREF
Value of transactions that were the subject of suspicions
Type of payment instruments that were the subject of suspicions
3. Fraud monitoring on payment methods
Fraud on the issuance of electronic money
Vishing/smishing fraud »
Advance fraud
Fraudulent payment
False operation
Operation splitting
Fake account
Identity theft
Fraudulent deposit on an ATM
Unauthorized access to an electronic money account
Number of documentary frauds at account opening (counterfeit or falsified documents)
Number of identity frauds at account opening (authentic stolen identity document)
Number of documentary frauds during the business relationship
Value of documentary frauds at account opening
Value of identity frauds at account opening
Value of documentary frauds during the business relationship
Other cases
4. Merchant
Number of merchants registered during the month
Number of active merchants (having registered at least 1 transaction in the last 90 days)
Type of services offered by merchants
5. Registered agents/distributors
Total number of agents
Transaction volume profile by agent/distributor type
Transaction value profile by agent/distributor type
6. Active agent/distributors
Total number of active agents
Total number of active distributors
7. Aggregators
List of aggregators under contractual link
Type of services offered by aggregators under contractual link
8. Correspondents
Number of foreign correspondent banks
Number of local correspondent banks
Number of correspondents who have been the subject of an investigation related to AML/CFT

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ANNUAL EVALUATION OF THE ANTI-MONEY LAUNDERING AND COUNTER-TERRORIST FINANCING PLATFORM

REF	LIBELLE	VALEUR
1.	General Information (Answer YES or NO)
	Do you have an automated tool for detecting atypical or suspicious operations operational?
	What is the name of the implemented AML/CFT platform?
	Who is the platform provider.
2.	Integrated watchlist in your automated AML/CFT system (Answer YES or NO)
	United Kingdom List
	Office of Foreign Assets Control (OFAC) List
	European Union List
	Bureau of Foreign Assets Control List
	Bank of Japan List
	PEP List (local and foreign)
	Local black list
	Other black list
	Automated loading of black lists
	Manual loading of black lists
3.	Warning Methods (Answer YES or NO)
	Network address warning
	Country warning
	Keyword warning
	Limits
	Exchange controls

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CUSTOMER DUE DILIGENCE

	LIBELLE	VALEUR
1.	Indicate the total number of persons or entities who during the year, although meeting the criteria defined by the client acceptance policy of your organization, were refused for reasons related to AML/CFT.
	What is the number of PEPs
	What is the number of non-resident clients
2.	What is the total number of clients by legal status
	number of payment instruments issued in the name of legal entities?
	number of payment instruments issued to non-profit associations?
3.	Provide the breakdown of your client portfolio by the risk categories retained by your organization
	Number of transactions carried out by non-residents
	number of high-risk clients?
	number of medium-risk clients?
	number of low-risk clients?
	Number of accounts registered related to AML/CFT
	Number of registered legal entity accounts related to AML/CFT
	Number of registered PEP accounts
	Number of PEPs who are national beneficial owners
	Number of PEPs who are foreign beneficial owners
	Number of "full KYC" accounts
	Number of "Minimum KYC" accounts
	Number of clients holding more than one registered account
	Number of clients exceeding the regulatory transaction ceiling after BCC authorization
4.	Identification of persons acting on behalf of others
	Number of persons identified acting for third parties
	Existence of authorizations to represent a third party (answer Yes or No)
	Number of beneficial owners identified
	Number of clients whose documents, data or information obtained in the exercise of due diligence remain up to date and relevant.
	Number of occasional clients
	Number of clients holding an ICU issued by the BCC
5.	Registered account
	Number of registered accounts concerned by AML/CFT operations
	Number of registered legal entity accounts concerned by AML/CFT operations
	Number of registered PEP accounts
	Number of PEP accounts authorized by the Senior Management of the establishment
	Number of PEPs who are national beneficial owners
	Number of PEPs who are foreign beneficial owners
	Number of "full KYC" accounts
	Number of "Minimum KYC" accounts
	Number of clients exceeding the regulatory transaction ceiling after BCC authorization
6.	Total of active accounts
	Number of active individual accounts
	Number of active legal entity accounts

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MONTHLY SURVEILLANCE OF PAYMENT INSTRUMENTS AND ACQUISITION CHANNELS IN THE FRAMEWORK OF AML/CFT

REF	LIBELLE	VALEUR
i	Vigilance on payment operations
1.	Transfers
	Number of intrabank transfers not processed due to insufficient information from the order giver
	Value of intrabank transfers not processed due to insufficient information from the order giver
	Volume of domestic interbank transfers including inaccurate information
	Volume of domestic interbank transfers with inaccurate information
	Volume of international interbank transfers with inaccurate information
	Volume of international interbank transactions with inaccurate information
	Volume of domestic interbank transactions processed at correspondents with inaccurate information
	Value of domestic interbank transactions processed at correspondents including inaccurate information
	Volume of occasional transfers greater than USD 10,000
	Value of occasional transfers greater than USD 10,000
	Number of transfers in favor of exchange offices
	Value of transfers in favor of exchange offices
2.	Electronic money
	Number of electronic money issuances by the bank managing the Escrow Account
	Value of electronic money issuances by the bank managing the Escrow Account
	Outstanding of client electronic money
	Outstanding of Agent electronic money
	Number of clients holding more than one electronic money account
	Ceiling of the value of electronic money stored on an account
	Ceiling of the value of electronic money on an account
3.	Prepaid card
	Number of cards issued
	Value of cards issued
	Number of clients having more than 2 cards individually
	Value stored for clients having more than 2 cards
	Daily payment limit
	Monthly payment limit
4.	Money transfer
	Total number of incoming transfers
	Total value of incoming transfers
	Total number of outgoing transfers
	Total value of outgoing transfers
	Daily number of outgoing international electronic transfers - to - listed countries
	Daily number of incoming international electronic transfers - from - listed countries
	Daily number of outgoing transfer operations via financial messaging services backed by a banking institution
	Daily number of incoming transfer operations via financial messaging services backed by a banking institution
	Total value of outgoing transfer operations via financial messaging services backed by a banking institution
	Total value of incoming transfer operations via financial messaging services backed by a banking institution
	Number of daily transactions by foreign correspondent
	Value of daily transactions by local correspondent
ii	Vigilance on Distribution Channels
	Number of operations carried out by Mobile banking
	Number of operations carried out by internet banking
	Number of operations carried out via banking agents
	Number of ATM deposit operations
	Number of transactions processed by Aggregator
	Number of web payments
	Value of operations carried out by Mobile banking
	Value of operations carried out by internet banking
	Value of operations carried out via banking agents
	Value of ATM deposit operations
	Value of transactions processed by Aggregator
	Value of web payments