Circular Letter dated 4 August 2026 Regarding the Corporate Financial Inclusion Database

Cairo, 4 August 2026

Dear Mr. Chairman,

Greetings,

In light of the Central Bank of Egypt's interest in enhancing financial inclusion for individuals and companies and supporting entrepreneurship, the Central Bank has, since 2018, established a national database for financial inclusion for natural persons using the National ID. The outputs of this database are used to measure financial inclusion ratios for individuals, and financial inclusion indicators are published semi-annually.

On the other hand, since November 2022, the Central Bank has established a national database for all companies, whether large, medium, small, or micro, whether borrowing or non-borrowing, including data on companies owned or managed by women. This database relies primarily on the Unified Commercial Registry Number for these companies.

In order to complete some of the basic data regarding companies and establishments held by banks, the Central Bank signed a protocol in May 2026 with the Internal Trade Development Authority under the Ministry of Supply and Internal Trade. The purpose of this protocol is to make authenticated electronic data available from the Commercial Registry data system to banks operating in the Arab Republic of Egypt. This contributes to providing accurate and updated data to banks about companies and establishments, including, but not limited to, the Unified Commercial Registry Number, economic activities, legal structure, ownership and management structure, paid capital, as well as information on ownership or management by women. This aims to enhance banks' ability to provide banking services faster and more accurately.

Given that completing this data accurately and comprehensively will enable the Central Bank to determine the actual number of covered companies and establishments, and thus measure financial inclusion ratios and indicators for companies, thereby supporting the formulation of necessary policies and procedures to increase the rate of financial inclusion and enhance the utilization of financial products and services.

In light of the above, please be kind enough to direct the implementation of the following measures:

1. Complete the basic data for borrowing and non-borrowing companies based on the Commercial Registry data system, including the Unified Commercial Registry Number, in your bank's databases according to the attached model, which outlines the basic data for companies.

2. Upload all data for borrowing and non-borrowing companies and establishments to the National Corporate Financial Inclusion Database at the Central Bank using the Unified Commercial Registry Number. Your bank shall update this data monthly in accordance with the procedures followed in this regard.

3. Declare the Unified Commercial Registry Number for medium, small, and micro-enterprises in the Egyptian Credit Information System (Score-I) in accordance with current regulations, as well as the credit registration system at the Central Bank, immediately after the Central Bank finishes preparing the necessary infrastructure to receive this data.

Please be kind enough to emphasize compliance with the above, noting that the aforementioned procedures must be completed for borrowing companies by the end of December 2026, and for non-borrowing companies by the end of June 2027.

Accept our highest respect,

Tarek Al-Khouli

Unified_Id Company Name Managed/owned by women ISICL4 Establishment Date Legal Structure Paid Capital Number TAXID UCR الرقم الموحد للشركات (الخاص بالبنك المركزي) النشاط القتصادي إسم الشركة مدارة / مملوكة للمرأة رأس المال تاريخ التأسيس الهيكل القانوني المستوى المدفوع الرقم الموحد للرقم البطاقة الضريبية على مستوى السجل التجاري الجمهورية الخاص بالبنك المركزي النشاط القتصادي إسم الشركة مدارة / مملوكة للمرأة رأس المال تاريخ التأسيس الهيكل القانوني المستوى الرابع المدفوع الرقم الموحد للسجل التجاري على مستوى الجمهورية رقم البطاقة الضريبية