Directive No. 05/DIF/DRO/2020 of 16 November on Statistical Reporting by Banking Agents

GOVERNOR
DIRECTIVE No. 05/DIF/DRO/2020
ORIGIN: Department of Financial Inclusion (DIF) Department of Regulation and Organization of the Financial System (DRO) DATE 16/11/2020 SUBJECT: FINANCIAL SYSTEM

• Statistical Information Reporting on Banking Agents

Given the need to define rules and procedures for reporting statistical information to the National Bank of Angola regarding the activity of Banking Agents, aiming to monitor financial intermediation activity in the banking sector;

Considering the provisions of Notice No. 07/2020, of April 2, on the Expansion of Banking Services;

Under the combined provisions of letters d) and f) of Article 21 and letter d) of paragraph 1 of Article 51 of Law No. 16/10, of July 15, Law of the National Bank of Angola, and Article 96 of Law No. 12/15, of June 17, Law on the Basic Framework of Financial Institutions.

This Directive serves to establish the following:

1. Banking Financial Institutions must submit statistical maps monthly as established in Annex I “Monthly Statistical Reporting Map of Banking Agents”, contained in this Directive and forming an integral part of it.

2. For the purposes of the preceding paragraph, when filling out the aforementioned Map, Institutions must observe the provisions of Annex II, on Procedures for Reporting Statistical Information, contained in this Directive and forming an integral part of it.

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3. The map must be submitted electronically, by 8:30 AM on the 8th day of the following month, using the Financial Institutions Portal (PIF), observing the specifications of the XML message.

4. For the purposes of the preceding paragraph, while the PIF is not available for sending and receiving information as per this Directive, Institutions must proceed to send the same in Excel format to the email address: Div_Aval_Impacto@bna.ao.

5. Non-compliance with the provisions of this Directive constitutes an offense provided for and punishable under Law No. 12/15, of June 17, Law on the Basic Framework of Financial Institutions.

6. Doubts and omissions resulting from the interpretation of this Directive are resolved by the National Bank of Angola.

7. This Directive enters into force immediately.
   Luanda, November 16, 2020.
   DEPARTMENT OF FINANCIAL INCLUSION

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Teresa Nainde Evaristo Pascoal
-Director-
DEPARTMENT OF REGULATION AND ORGANIZATION
OF THE FINANCIAL SYSTEM
Carla Marisa Madeira Gomes
-Director-

CONTINUATION OF DIRECTIVE No. 05/DIF/DRO/2020 Page 3 of 12

ANNEX I
MONTHLY STATISTICAL REPORTING MAP OF BANKING AGENTS

Name of DIF Name of Month: Currency:

Kwanza Dollar BENGO 0 BENGUELA 0 BIÉ 0 CABINDA 0 CUANDO CUBANGO 0 CUANZA NORTE 0 CUANZA SUL 0 CUNENE 0 HUAMBO 0 HUÍLA 0 LUANDA 0 NORTH LUANDA 0 SOUTH LUANDA 0 MALANJE 0 MOXICO 0 NAMIBE 0 UÍGE 0 ZAIRE 0

MONTHLY INFORMATION ON BANKING AGENT CLIENTS

STRUCTURE BY SOCIAL IDENTITY
REFERENCE PERIOD: MONTH________YEAR________
NAME OF THE BANK:

GEOGRAPHICAL DISTRIBUTION NUMBER OF CARDS MOVEMENTS IN CURRENT ACCOUNTS (QUANTITY) MOVEMENTS IN CURRENT ACCOUNTS (VALUE) DOCUMENT USED FOR ACCOUNT OPENING

STRUCTURE BY GENDER STRUCTURE BY AGE GROUP

No. of accounts opened in the period No. of Simplified Accounts opened in the period Female Male ID Passport TPA TPA 35-44 45-54 Personal ID Other Docs Final Balance Average Balance Female Male 18-34 55-64 65> Domestic Student Other Public Employee Informal Market Employees of Micro, Small and Medium Enterprises Provinces / Municipalities

No. of Credits requested from the Bank through the AB

CREDITS
Amount of Credits requested from the Bank through the AB Intrabank Transfers Debit Intrabank Transfers Credit ATM Transfers Debit Total Withdrawals at AB Interbank Transfers Debit Interbank Transfers Credit ATM Withdrawal Total Deposits at AB Total Withdrawals at AB Total Deposits at AB ATM Withdrawals ATM Transfers Credit AKZ Dollar AKZ Dollar Accumulated Month Total Amount of Credits requested from the Bank through the AB

SUMMARY INFORMATION OF THE BANKING AGENT CLIENTS

Institution Currency No. of Accounts
Opened
Total
Withdrawals Total Deposits Average Balance Final Balance Total Number of Credits requested from the Bank through the AB No. of Simplified Accounts Opened No. of Accounts with card No. of Accounts Closed

CONTINUATION OF DIRECTIVE No. 05/DIF/DRO/2020 Page 4 of 12

GEOGRAPHICAL DISTRIBUTION
BENGO
BENGUELA
BIÉ CABINDA
CUANDO CUBANGO
CUANZA NORTE CUANZA SUL CUNENE HUAMBO
HUÍLA
LUANDA
NORTH LUANDA
SOUTH LUANDA MALANJE MOXICO
NAMIBE UÍGE
ZAIRE

Monthly Reporting Map of Banking Agent Statistics

NAME OF THE BANK: REFERENCE PERIOD: MONTH________YEAR________

Maximum Amount Phone Contact Email
Address of the establishment where the activity will be exercised Working capital to support operations Provinces / Municipalities Minimum Amount Name or designation of the banking agent Tax ID of the Agent Business Activity Date of Contracting Tax ID Personal Identification of Management Members AKZ Dollar AKZ Dollar Accumulated Month Current Balance

SUMMARY INFORMATION OF THE AGENT

Institution
Financial
Currency
No. of Agents
Contracted
No. of Agents
Closed
No. of Agents
Inactive
Total Balance
Deposited
Total Balance
Withdrawn

CONTINUATION OF DIRECTIVE No. 05/DIF/DRO/2020 Page 5 of 12

ANNEX II
Procedures for Reporting Statistical Information On Banking Agents

I. Introduction
This document reports the technical specifications of the attached map in Excel format for the reporting of Banking Agent statistics to be sent by Financial Institutions. In this sense, Financial Institutions (FIs) must fill out the Monthly Map and Summary Map of Banking Agents, in accordance with this Procedures Manual.

II. Monthly Reporting Map of Banking Agent Statistics
This map presents the general information of Banking Agents, detailed by Provinces and respective Municipalities.

III. Description of Indicators

1. Geographical Distribution - is composed of two indicators namely, the column of Provinces and Municipalities.
   1.1 Provinces/Municipalities - Represents the column of the 18 Provinces and respective Municipalities where each Financial Institution will have contracted its Banking Agents.

2. Banking Agent Data - This column is composed of 7 indicators namely:
   2.1. Agent Name - This sub-column should be filled with the name or designation of the Banking Agent.
   2.2. Agent Tax ID - This sub-column should be filled with the Tax Identification Number of the Banking Agent.
   2.3. Address of the Establishment where Activity will be Exercised - This sub-column should be filled with the exact address of the Agent's commercial point.
   2.4. Business Activity - This sub-column should be filled with the branch of activity in which the agent is engaged.

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2.5. Date of Contracting - This column should be filled with the date of contracting of the Banking Agent by the Financial Institution.
2.6. Phone Contact - This column should be filled with the Fixed/Mobile phone numbers of the Banking Agent.
2.7. Email - This column should be filled with the email address of the Banking Agent.

3. Personal Identification of Management Members – This column is composed of:

• ID – this sub-column is filled with the Identity Card number of the managers.
• Tax ID – this sub-column is filled with the Tax Identification Number of the managers.
• Phone Contact - this sub-column is composed of the phone contact and the email of the managers.
• Email - This sub-column should be filled with the email of the managers.

4. Working Capital to Support Operations - This column should be filled with the maximum and minimum amounts defined as working capital so that the corresponding agent can ensure the normal exercise of its activity.

• Maximum Amount for Working Capital - This sub-column should be filled with the maximum amount defined as working capital so that the corresponding agent can ensure the normal exercise of its activity.
• Minimum Amount for Working Capital - This sub-column should be filled with the minimum amount defined as working capital so that the corresponding agent can ensure the normal exercise of its activity.

IV. Summary Information of the Banking Agent

1. Financial Institution - In this column, the acronym or logo of the Financial Institution is filled.
2. Designation Month and Accumulated in the Year – In this column, the period to which the information refers is filled.
3. Currency - Refers to the name of the monetary unit used in transactions.

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4. Number of Agents Contracted - In this column, in the line referring to the “month”, the number of agents contracted in the month under analysis is filled, and in the line “accumulated”, the accumulated quantity of agents existing since the beginning of contracting until the moment of analysis.
5. Number of Agents Closed - In this column, in the line designated “month”, the number of agents closed in the month under analysis is filled, and in the line designated “accumulated”, the accumulated quantity of agents that ceased their activities.
6. Number of Inactive Agents - In this column, in the line designated “month”, the number of Inactive agents in the month under analysis is filled, and in the line designated “accumulated”, the accumulated quantity of inactive agents until the moment of analysis, but which are not in the condition of closed.
7. Total Balance Deposited – The value of monthly deposits (in the line referring to the month) and accumulated (in the line referring to the accumulated) made by the agents' clients should be filled.
8. Total Balance Withdrawn - Should be filled with the total value of monthly withdrawals (in the line referring to the month) and accumulated (in the line marked as accumulated) made by the agents' clients.
9. Current Balance - In this Column, the monthly value (in the line referring to the month) and accumulated (in the line indicated as accumulated) resulting from all operations of the period under analysis is filled.

V. Banking Agent Clients

1. Geographical Distribution – This column is composed of three indicators namely, the column of Provinces and Municipalities, the number of accounts opened in each of these Provinces and Municipalities, and the number of simplified accounts opened in the period.
   1.1 Provinces and Municipalities – This sub-column should be filled by the 18 Provinces and their respective Municipalities where the agent may or may not have clients.
   1.2 Number of Accounts Opened in the Period - This sub-column should be filled by the number of accounts opened in each Municipality, monthly in Kwanza and/or Dollar. This number must be entered in the summary map, in the line(s) of the agent(s) for the movement of the month, under the item “number of accounts opened in the period”.
   1.3 Number of Simplified Accounts Opened in the Period - This sub-column should be filled by the number of simplified accounts opened in each municipality, monthly. This number must be entered in the summary map, in the line(s) of the agent(s) referring to the movement of the month, under the item “number of simplified accounts opened in the period”.

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2. Number of Cards – This column is composed of two indicators namely, female and male, and corresponds to the number of cards assigned to clients by gender, from the first to the last day of the month under analysis. This value must be equal to that of the summary map in the item “accounts with card”, in the agent line referring to the movement of the month.
   2.1. Female - This sub-column is filled with the total number of cards issued for each account opened by the female gender in the respective Municipalities.
   2.2. Male - This sub-column is filled with the total number of cards issued for each account opened by the male gender in the respective Municipalities.

3. Document used for Account Opening - This column is composed of 4 (four) indicators (sub-columns), whose total must be equal to the total by Province in the column number of accounts opened in the period.

• ID – This sub-column is filled with the total of accounts opened with ID in the respective Municipality.
• Passport – This sub-column is filled with the total of accounts opened with the passport in the respective Municipality.
• Personal ID Card – This sub-column is filled with the total of accounts opened with the personal ID card in the respective Municipality.
• Other Documents – This sub-column is filled with the total of accounts opened with another document, authorized by the bank, such as: school card, electoral card, registration card, document of the residence commune, etc.

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4. Movements in Current Accounts (quantity) - This column records the number of times the account is moved and is composed of 8 (eight) indicators namely:
   4.1 Total Deposits at the Banking Agent – This sub-column is filled with the number of times deposit operations were made at the Banking Agent by clients, in each Municipality.
   4.2 Total Withdrawals at the Banking Agent - This sub-column is filled by the number of withdrawal operations made at the Banking Agent by clients, in each Municipality.
   4.3 TPA - This sub-column is filled by the number of payment operations made by clients through TPAs, in each Municipality.
   4.4 ATM Transfers Debit - This sub-column is filled by the number of debit transfer operations made at ATMs by clients, in each Municipality.
   4.5 ATM Transfers Credit - This sub-column is filled by the number of credit transfer operations made at ATMs by clients, in each Municipality.
   4.6 Interbank Transfers Debit - This sub-column is filled by the number of interbank debit transfer operations made at ATMs by clients, in each Municipality.
   4.7 Interbank Transfers Credit - This sub-column is filled by the number of interbank credit transfer operations made at ATMs by clients, in each Municipality.
   4.8 ATM Withdrawal - This sub-column is filled by the number of withdrawal operations made at ATMs by clients, in each Municipality.

5. Movements in Current Accounts (in Value) - This column represents the values moved in the said account and is composed of 8 (eight) indicators namely:
   5.1 Total of Deposits at the Banking Agent – This sub-column is filled with the total value of deposits made at the Banking Agent by clients, in each Municipality.

CONTINUATION OF DIRECTIVE No. 05/DIF/DRO/2020 Page 10 of 12

5.2 Total of Withdrawals at the Banking Agent - This column is filled with the total value of withdrawals made at the Banking Agent by clients, in each Municipality.
5.3 TPA - This sub-column is filled with the total value of payments made by clients at TPAs, in each Municipality.
5.4 ATM Transfers Debit - This column is filled with the total value of debit transfers made at ATMs by clients, in each Municipality.
5.5 ATM Transfers Credit - This sub-column is filled with the total value of credit transfers made at ATMs by clients, in each Municipality.
5.6 ATM Withdrawals - This sub-column is filled with the total value of withdrawals made at ATMs by clients, in each Municipality.
5.7 Final Balance - This sub-column is filled with the value of the balance resulting from all operations of the period under analysis.
5.8 Average Balance - This sub-column is filled with the value of the average balance resulting from all operations of the period under analysis.

6. Credit - This column represents the quantity of credits assigned by the Banking Agent.

• Number of Credits requested from the Bank through the Banking Agent - This sub-column is filled by the number of credits requested from the Banking Agent, in each Municipality.
• Amount of Credits requested from the Bank through the Banking Agent - This sub-column is filled by the amount of credits requested from the Banking Agent, in each Municipality.

7. Structure by Gender - This column is composed of two sub-columns namely, female and male. This reflects the total number of accounts opened in the month, disaggregated by gender, in the sub-columns, therefore, its total must be equal to the total of the column “number of accounts opened in the period”.

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• Female - This sub-column is filled by the total number of accounts opened by the female gender, in each Municipality.
• Male - This sub-column is filled by the total number of accounts opened by the male gender, in each Municipality.

8. Structure by Age Group - This column represents the total of accounts opened by clients in the age group from 18 to 65 years old. The table is divided into 5 (five) sub-columns, whose sum must be equal to the total of the column “number of accounts opened in the period”.

9. Structure by Professional Activity - This column is composed of 6 (six) indicators, whose total corresponds to the total of the column “number of accounts opened in the period”.
   9.1 Domestic Worker - This sub-column is filled by the total number of accounts opened in the month by holders who perform the function of domestic worker, in each Municipality.
   9.2 Student - This sub-column should be filled by the total number of accounts opened in the month, held by students, in each Municipality.
   9.3 Public Employee - This sub-column should be filled by the total number of accounts opened in the month by public employees, in each Municipality.
   9.4 Informal Market - This sub-column should be filled by the total number of accounts opened in the month, by informal market clients (street vendors, shoe shiners, car washers, etc), in each Municipality.
   9.5 Employees of Micro, Small and Medium Enterprises - This sub-column should be filled by the total number of accounts opened in the month, by clients who perform their function in Micro, Small and Medium Enterprises, in each Municipality.
   9.6 Others - This sub-column should be filled by the total number of accounts opened in the month by clients who do not fit into the categories identified above, in each municipality, such as: unemployed, people working for the church, and people dedicated to charitable volunteer work.

VI. Summary Information of the Banking Agent Clients

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1. The Designation FI - This field is filled with the acronym or logo of the Financial Institution.
2. Month - This field is filled with the monthly data referring to the period under analysis.
3. Number of Accounts Opened – This field is filled with the total number of accounts opened, in the month under analysis, and the accumulated up to the month under analysis in the line below.
4. Number of Simplified Accounts Opened – This field is filled by the total number of Simplified Accounts opened in the month under analysis and the accumulated up to that month in the respective line below.
5. Total Withdrawals - Refers to the value of withdrawals occurred in the month under analysis and the accumulated up to the month under analysis.
6. Total Deposits - Refers to the value of deposits occurred in the month under analysis and the accumulated up to the month under analysis.
7. Average Balance - In this Column, the average value of the balance resulting from all operations in the month under analysis and the accumulated up to the month under analysis in the column below is filled.
8. Final Balance - In this Column, the value of the balance resulting from all operations in the month under analysis and the accumulated up to the month under analysis in the column below is filled.
9. Number of Accounts with Card - Refers to the number of accounts with active cards in the month under analysis and the accumulated up to the month under analysis in the column below.
10. Number of Closed Accounts - Refers to the number of accounts closed in the month under analysis and the accumulated up to the month under analysis in the column below.
11. Total Number of Credits Requested from the Bank through the Banking Agent (AB) - Refers to the number of credits that were requested from the Bank through the AB, in the month under analysis and the accumulated up to the month under analysis in the column below.
12. Total Amount of Credits Requested from the Bank through the Banking Agent (AB) - Refers to the amount of credit granted by the Bank to the client process forwarded by the AB in the month under analysis and the accumulated up to the month under analysis in the column below.