Instruction No. 09/2023 of July 25

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INSTRUCTION NO. 09/2023 of July 25
SUBJECT: FINANCIAL SYSTEM

• Operation of the Accounts Database

Given the need to establish the rules for operation, access and information sharing of the Accounts Database (BDC), as established in Notice No. 08/2023 of July 17 regarding the Accounts Database. In accordance with the provisions of Article 148 of Law No. 14/21 of May 19, the General Regime for Financial Institutions Act, combined with paragraph f) of number 1 of Article 31 and number 1 of Article 98, both of Law No. 24/21 of October 18, the National Bank of Angola Act.

I DETERMINE:

1. Object and Scope
   1.1 This Instruction establishes the rules and procedures regarding the operation and reporting of information in the Accounts Database, hereinafter referred to as "BDC".
   1.2 This Instruction applies to the institutions provided for in Article 2 of Notice No. 08/2023 of July 17 regarding the Accounts Database.

2. Information to be Reported to the National Bank of Angola
   2.1 Financial Institutions must report the information referred to in Annexes I, II, III, IV, V, VI and VII of this Instruction daily until 08:30 on the next business day.
   2.2 Without prejudice to the preceding paragraph, Financial Institutions must report information regarding final balances as provided in Annex IV on Requirements for Reporting Banking Agents monthly until the 8th business day of the following month.
   2.3 Banking Financial Institutions must provide the National Bank of Angola with information on bank and e-money accounts, banking agents, as well as customer information, defined in Annexes I, II, III, IV and V respectively under this Instruction, which are an integral part.
   2.4 Non-banking Financial Institutions must provide the National Bank of Angola with information on e-money accounts and payment agents defined in Annexes II, III, VI and VII of this Instruction, which are an integral part.
   2.5 Financial Institutions are responsible for providing correct, timely and reliable information to the BDC.

3. Rectifications
   3.1 Whenever an Institution identifies an omission or incorrect communication of information, it must carry out the appropriate rectification, updating for this purpose the monthly information due to the BDC.
   3.2 A Financial Institution that has sent incorrect information to the BDC must correct it immediately upon becoming aware of the inaccuracy, submitting or attaching the appropriate clarifications.

4. Responsible Persons of Institutions for Communication to BDC
   4.1 Financial Institutions must appoint and indicate the staff responsible for interaction with the National Bank of Angola, regarding the provision of information under this Instruction, as well as ensure compliance with deadlines and quality of information subject to communication.
   4.2 Any necessary changes made by the designated responsible persons must be communicated immediately to the National Bank of Angola.

5. Sanctions
   Non-compliance with the rules established in this Instruction constitutes an offence provided for and punishable under Law No. 14/21 of May 19, the General Regime for Financial Institutions Act.

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

7. Transitional Provision
   Institutions must comply with the provisions of this Instruction within 90 (ninety) days from the date of its publication.

8. Entry into Force
   This Instruction enters into force on the date of its publication.
   PUBLISHED:
   Luanda, July 25, 2023
   THE GOVERNOR
   MANUEL ANTÓNIO TIAGO DIAS

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CONTINUATION OF INSTRUCTION NO. 09/2023 Page 2 of 15
Annex I: Banking Accounts Registration Reporting Requirements
Field Name | Description
Institution | Financial Institution
Reporting Date | Reporting date corresponding to the day (D), month (M) and year (A) in which the information is being reported CUSTOMER DATA Full Name | Customer full name. Customer Number | Customer number at the FI Date of Birth | Customer date of birth. Gender | Customer gender. Profession | Registered profession in the system. ID Number | Customer identification document number. Document Type | Type of customer identification document (National ID, Tax ID, Passport, Resident Card, Personal ID, Other). Address | Customer address (street name or number, floor and door number). Province | Code of the customer's province of residence. Municipality | Customer municipality of residence. Urban District | Identification of the urban district Commune | Identification of the commune Geographical Division | Code of the geographical division Contacts | Customer mobile number, without country code. Email | Customer email address. Place of Birth | Customer place of birth Nationality | Country corresponding to the customer's nationality. Country Code | Number corresponding to the country code. Foreign Exchange Residence | Indicate whether the customer is a resident in Angola or not, based on their tax status. Company Type | Identification of the company type Customer Type | Type of customer, which can be individual or Company (Institutional Sector). ACCOUNT DATA Account Number | Customer bank account number. Account Type | Type of account (normal, simplified, Bankita) Currency | Account currency Nature of Account | Customer account nature (Current Deposit, Time Deposit...) Holder Dependency | Type of holder dependency (minor, emancipated, adult...) Opening Date | Bank account opening date. Account Status Update Date | Date on which the account status is updated. Closing Date | Bank account closing date. Reason for Closure | Reason for closure. Time Deposit Term | Validity date of the time deposit account. Account Status | Account status (Active, dormant, closed). DO Account Number | Current deposit account number. Account Holders | Person(s) (customers) associated with the account. Holder Type | Type of account holder (individual customer, corporate) Collective Holder Type | Type of collective holder (joint, mixed, solidary) AGGREGATED BANK BALANCE DATA Final Balance | Indication of monthly final balances

CONTINUATION OF INSTRUCTION NO. 09/2023 Page 5 of 15
Annex II: E-Money Accounts Registration Reporting Requirements
Field Name | Description
Institution | Payment Service Provider
Reporting Date | Reporting date corresponding to the day (D), month (M) and year (A) in which the information is being reported CUSTOMER DATA Full Name | Customer full name. Date of Birth | Customer date of birth. Marital Status | Customer marital status. Gender | Customer gender. ID Number | Customer identification document number. Document Type | Type of customer identification document (National ID, Witness Statement, Tax ID, Passport, Resident Card, Proof of Address, Other, Temporary Trade License, Street Vendor Card or Market Stall Card, Commercial Registry Certificate or Business Permit, Document issued by an authority legally recognized by the Angolan State). Address | Customer address (street name or number, floor and door number). Province | Code of the customer's province of residence. Municipality | Customer municipality of residence. Urban District | Identification of the urban district Commune | Identification of the commune Geographical Division | Code of the geographical division Contacts | Customer mobile number, without country code. Nationality | Country corresponding to the customer's nationality. Customer Type | Type of customer, which can be Individual Person, Individual Person for commercial purposes or Collective Entity. Activity Identification | Identification of the activity of an individual person for commercial purposes. Company Name | Identification of the company type Customer Type | Type of customer, which can be individual or Company (Institutional Sector). ACCOUNT DATA Account Number | E-money account number. Account Type | Type of e-money account (Type I, Type II, Type III and Type IV), as provided for in Instruction No. 05/2023 of May 29 regarding E-Money Accounts Currency | Account currency Opening Date | E-money account opening date. Account Status Update Date | Date on which the account status is updated. Closing Date | E-money account closing date. Reason for Closure | Reason for closure.

CONTINUATION OF INSTRUCTION NO. 09/2023 Page 7 of 15
Annex III: Statistical Information Reporting Requirements on E-Money Accounts
Field Name | Description
PSP Designation | Abbreviation of the Payment Service Provider Service Start Date | Period when the service entered into force. Accumulated Value | Total value since the service entered into force. Reporting Date | Period to which the information relates Province | Code of the customer's province of residence. Municipality | Customer municipality of residence. Commune | Code of the commune where the Agent is located District | Code of the district where the Agent is located DATA RELATIVE TO ACCOUNTS Number of Registered Accounts by Gender | Gender of accounts registered at Payment Agents Number of Active Accounts by Gender | Gender of active accounts at Payment Agents, during the period Date of Birth | Total number of accounts opened by age group DATA RELATIVE TO TRANSFERS Number of Transfers between Services | Number of transfers between services. Value of Transfers between Services | Total value of transfers between services. Number of Transfers from Associated Accounts | Number of transfers between accounts opened in the same institution. Value of Transfers from Associated Accounts | Total value of Transfers between accounts opened in the same institution. Number of P2P Transfers | Number of transfers made between individual customers Value of P2P Transfers | Value of transfers made between individual customers Number of P2G Transfers | Number of transfers made between individual customers and the State Value of P2G Transfers | Value of transfers made between individual customers and the State Number of B2P Transfers | Number of transfers made between companies and individual customers Value of B2P Transfers | Value of transfers made between companies and individual customers Number of P2B Transfers | Number of transfers made between individual customers and companies Value of P2B Transfers | Value of transfers made between individual customers and companies Number of B2B Transfers | Number of transfers between companies Value of B2B Transfers | Value of transfers between companies Number of Cross-border Transfers | Number of cross-border transfers Value of Cross-border Transfers | Value of cross-border transfers Registration Code | Corresponds to the type of registration/type of information collected Tier/Scale | Numerical hierarchy of amounts Description of Instruction Type | Description of the type of transfer instruction in question Transfer Order Number | Corresponds to the quantity of fund transfer orders made during the period Value of Transfer Order | Corresponds to the value of fund transfer orders DATA RELATIVE TO MERCHANTS Number of Registered Merchants | Number of Merchants/entities that accept payment for goods and/or services and maintain a contract with the payment service provider to provide this service Number of Active Merchants | Number of merchants/entities contracted by mobile payment service providers to make services available to users, with registration of at least one operation carried out in the period under analysis.
DATA RELATIVE TO E-MONEY CONVERSION INTO CASH (WITHDRAWALS) Number of Cash Out | Number of cash withdrawals carried out. Value of Cash Out | Value of withdrawals carried out. DATA RELATIVE TO CASH CONVERSION INTO E-MONEY (PURCHASE OF E-MONEY) Number of Cash In | Number of e-money purchase operations Value of Cash In | Value of e-money purchase operations. DATA RELATIVE TO CUSTOMERS Individual Customers | Number of registered individual customers. Company Customers | Number of registered company customers. Balance in Individual Account | Balance in individual customer accounts. Balance in Company Account | Balance in company customer accounts. DATA RELATIVE TO PAYMENTS Number of Purchases | Number of purchases made to merchants for the acquisition of goods. Number of Salary Payments | Number of salary payment transactions via the service. Number of Service Payments by Reference | Number of transactions carried out for payment of services (television, telephones, internet, etc.) Number/Value of Recharge Payments | Number of transactions carried out for the acquisition of recharges (internet, telephone, television, etc.) Number of Other Payments | Number of transactions carried out for other types of payments Value of Purchases | Value of purchase transactions made to merchants for the acquisition of goods Value of Salary Payments | Value of salary payment transactions via the service Value of Service Payments by Reference | Value of transactions carried out for payment of services (internet, telephone, television, etc.) Value of Recharge Payments | Value of transactions carried out for the acquisition of recharges (internet, telephone, television, etc.) Value of Other Payments | Value of transactions carried out for other types of payments DATA RELATIVE TO REMITTANCES Number of Domestic Remittances | Number of remittances made via prepaid payment accounts within the country Number of International Remittances | Number of remittances made via mobile payments outside the country. Value of Domestic Remittances | Value in remittances made via mobile payments within the country Value of International Remittances | Value in remittances made via mobile payments outside the country Data Relative to Accounts Number of Registered Accounts | Total number of e-money accounts opened. Number of Active Accounts | Number of open e-money accounts that recorded at least one movement in the period under analysis. DATA RELATIVE TO REFUNDS/REJECTIONS/CANCELLATIONS Number of Value Refunds | Number of payments refunded for return reasons, such as request by the ordering party, fraud, closed account Value of Refunds | Value of payments refunded for return reasons, such as request by the ordering party, fraud, closed account Number of Rejections/Cancellations | Number of payments rejected/cancelled due to rejection/cancellation reason Value Rejected/Cancelled | Value of payments rejected/cancelled due to rejection/cancellation reason DATA RELATIVE TO FRAUDULENT OPERATIONS
Number of Fraudulent Operations | Number of operations that the provider considers, through risk analysis, to be proven fraudulent or suspected of fraud Number of Suspicious Operations for Money Laundering and Terrorism Financing | Number of communications of operations Money Laundering and Terrorism Financing communicated Value of Fraudulent Operations | Value of operations that the provider considers, through risk analysis, to be proven fraudulent or suspected of fraud DATA RELATIVE TO AGGREGATED BALANCE OF E-MONEY ACCOUNTS Final Balance | Indication of monthly final balances

CONTINUATION OF INSTRUCTION NO. 09/2023 Page 10 of 15
Annex IV: Banking Agents Reporting Requirements
Field Name | Description
Institution | Financial Institution Code
Reporting Date | Reporting date corresponding to the day (D), month (M) and year (A) in which the information is being reported BANKING AGENT DATA Banking Agent Code | Banking Agent Code Banking Agent Name | Full name of the Banking Agent Tax ID (NIF) of Banking Agent | Tax Identification Number of the banking agent Contract Start Date | Date of contracting the banking agent Contract End Date | Date of contract termination with the banking agent Contract Cancellation Date | Date of contract cancellation with the banking agent Banking Agent Status | Status of the banking agent Contacts | Mobile number without country code. Address | Address (street name or number, floor and door number). Email | Email contact Business Sector (CAE) | Business sector to which it is dedicated Minimum Amount | Minimum working capital amount Maximum Amount | Maximum working capital amount Province | Code of the province where the Agent is located Municipality | Code of the municipality where the Agent is located Commune | Code of the commune where the Agent is located District | Code of the district where the Agent is located MANAGEMENT DATA Full Name | Full name Date of Birth | Date of birth Gender | Gender of the Banking Agent Manager ID Number | Identification document number Document Type | Type of identification document (National ID, Tax ID, Passport, Resident Card, Personal ID, Other). Address | Address (street name or number, floor and door number). Contacts | Mobile number without country code. Email | Email contact Nationality | Corresponding to nationality Residence | Indicate whether the customer is a resident in Angola or not, based on their tax status. DATA RELATIVE TO BANKING AGENT ACTIVITY Total Deposits | Total deposits made at the Banking Agent Total Withdrawals | Total withdrawals made at the Banking Agent Final Balance | Indication of monthly final balances of the Banking Agent Account Number | Bank account number opened at the banking agent. Account Type | Type of account (DO – Current Deposit, Simplified and including Bankita) Currency | Account currency Nature of Account | Customer account nature (Current Deposit, Time Deposit,...)

CONTINUATION OF INSTRUCTION NO. 09/2023 Page 12 of 15
Annex V: Banking Agents Customers Reporting Requirements
Field Name | Description
Institution | Financial Institution Code
Reporting Date | Reporting date corresponding to the day (D), month (M) and year (A) in which the information is being reported CUSTOMER DATA Full Name | Customer full name. Customer Number | Customer number at the FI Date of Birth | Customer date of birth. Gender | Customer gender. Profession | Registered profession in the system. ID Number | Customer identification document number. Document Type | Type of customer identification document (National ID, Tax ID, Passport, Resident Card, Personal ID, Other). Address | Customer address (street name or number, floor and door number). Province | Code of the customer's province of residence. Municipality | Customer municipality of residence. Urban District | Identification of the urban district Commune | Identification of the commune Geographical Division | Code of the geographical division Contacts | Customer mobile number, without country code. Email | Customer email address. Place of Birth | Customer place of birth Nationality | Country corresponding to the customer's nationality. Country Code | Number corresponding to the country code. Foreign Exchange Residence | Indicate whether the customer is a resident in Angola or not, based on their tax status. Company Type | Identification of the company type Customer Type | Type of customer, which can be individual or Company (Institutional Sector). ACCOUNT DATA Account Number | Customer account number. Account Type | Type of account (Normal, Simplified, Bankita) Currency | Account currency Nature of Account | Customer account nature (Current Deposit, Time Deposit...) Holder Dependency | Type of holder dependency (minor, emancipated, adult...) Opening Date | Bank account opening date. Account Status Update Date | Date on which the account status is updated. Closing Date | Bank account closing date. Reason for Closure | Reason for closure. Time Deposit Term | Validity date of the time deposit account. Account Status | Account status (Active, dormant, closed). DO Account Number | Current deposit account number. Account Holders | Person(s) (customers) associated with the account. Holder Type | Type of account holder (individual customer, corporate) Collective Holder Type | Type of collective holder (joint, mixed, solidary) Waiting Time | Average waiting time to be served at the agent. AGGREGATED BANK BALANCE DATA Final Balance | Indication of monthly final balances

CONTINUATION OF INSTRUCTION NO. 09/2023 Page 13 of 15
Annex VI: Payment Agents Reporting Requirements
Field Name | Description
Institution | Payment service provider name
Reporting Date | Reporting date corresponding to the day (D), month (M) and year (A) in which the information is being reported Payment Agent Name | Full name of the Payment Agent Tax ID (NIF) of Payment Agent | Tax Identification Number of the payment agent Type of Agent | Type of agent (registered – total entities contracted by PSPs to provide services to users in their name or active – total entities contracted by PSPs to provide services to users in their name with registration of at least 1 operation carried out in the period) Contract Start Date | Date of contracting the payment agent Contract End Date | Date of contract termination with the payment agent Contract Cancellation Date | Date of contract cancellation with the payment agent Contacts | Mobile number without country code. Address | Address (street name or number, floor and door number). Email | Email contact Business Sector (CAE) | Business sector to which it is dedicated Minimum Amount | Minimum working capital amount Maximum Amount | Maximum working capital amount Province | Code of the province where the Agent is located Municipality | Code of the municipality where the Agent is located Commune | Code of the commune where the Agent is located District | Code of the district where the Agent is located MANAGEMENT DATA Full Name | Full name Date of Birth | Date of birth Gender | Gender of the Payment Agent Manager ID Number | Identification document number Document Type | Type of identification document (National ID, Tax ID, Passport, Resident Card, Personal ID, Other). |