Issuance of Agreement No. 4-2026

July 17, 2026 SBP-DR-FID-CIRCULAR-2026-0074

To: General Manager City

Reference: Issuance of Agreement No. 4-2026

Dear General Manager:

We take the liberty of informing you that the Board of Directors of this Superintendency has issued Agreement No. 4-2026 of June 23, 2026, “By which Article 17 is modified and Articles 17-A, 17-B, and 17-C are added to Agreement No. 012-2015, which establishes the administrative sanctioning procedure before the Superintendency of Banks for those processes that do not have a special administrative procedure established.”

Through the aforementioned Agreement, the types of notifications to be applied in processes that do not have a special administrative sanctioning procedure established are modified; as well as the notification procedure in general, and new articles are incorporated into Agreement No. 012-2015.

This Agreement will enter into force from its promulgation in the Official Gazette.

Attached you will find a copy of the Agreement, the text of which can be consulted through our website www.superbancos.gob.pa in the regulatory section.

We thank you, General Manager, for issuing the pertinent instructions to your staff for the compliance with the present.

Sincerely,

Milton Ayón Wong Superintendent

Attachment: As indicated. ARV/an

“Solidity and trust: guarantors of the rights of banking consumers” Av. Samuel Lewis, Panama Business Tower, ground floor - Tels.: (507) 506 7800 / (507) 506-7900 - Fax (507) 506-7700 / 506-7703 P.O. Box 0832-2397 W.T.C. Panama, Republic of Panama - www.superbancos.gob.pa - email: superbancos@superbancos.gob.pa Official document signed with Qualified Electronic Signature in the Document Transparency System – TRANSDOC of the Superintendency of Banks of Panama, in accordance with Law 83 of 09/11/2012 and Executive Decree No. 275 of 11/05/2018. Use the QR Code to verify the authenticity of the document or the URL: https://sigob.superbancos.gob.pa/consulta?id=rdU0AXOk3%2FOVbuO963gF4TlFeYiL2OPimBHwwy%2F6k%2F8%3D