Palestine Monetary Authority

Circular No. (2013/148)

To all lending institutions operating in Palestine

Date: Tuesday, November 26, 2013

Subject: Clarifications Regarding the Reporting of Facilities Granted to Small and Medium Enterprises

Following our Circular No. (2013/114) issued on November 6, 2013, concerning the establishment of a database for facilities granted to small and medium enterprises, and in light of the field visits and meetings held to follow up on the project's completion, the following clarifications address the inquiries and observations discussed during these visits:

• Reporting the Interest Rate and Interest Type for Guarantees and Credits
  For facility types such as guarantees or credits (F006 and F008), and since no interest is collected on this type of facility, the interest rate field must be reported as zero, while the interest type field must be reported as (N/A).

• Reporting Non-Performing Facilities (Court-Ordered)
  All fields constituting the demographic file for facilities granted to small and medium enterprises are mandatory. To address non-performing facilities as loans where reporting all fields is difficult due to challenges in contacting borrowers, the mandatory status for facility-type loans classified as non-performing (Legal Procedure (A)) will be removed. The fields constituting non-performing facilities will be reported based on what is available in the borrower's file.

• Modification of the Demographic File Structure
  The structure of the demographic file for facilities granted to small and medium enterprises – (txt.file) – has been modified according to the attachment by adding field number (25) regarding the Legal Procedure related to the above paragraph.

• Modification of the Appendices

  • Appendix No. (9) concerning the enterprise registration location has been modified according to the attachment by adding two new options, "Ministry of Finance, Ministry of Transport," to the existing options.
  • Addition of Appendix No. (14) concerning the legal procedure taken, "Regarding Legal Procedure (A), not converted," to Legal Procedure (B).

Accordingly, all institutions are requested to adopt the attached clarifications and modifications and complete the collection of data on facilities granted to small and medium enterprises to comply with the new modifications.

Public Relations and Market Officers Department Palestine Monetary Authority

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Ramallah - Al Bireh P.O. Box 452 - Tel.: 02-2409920 - Fax: 02-2409922 Gaza - P.O. Box 4026 - Tel.: 08-2825713 - Fax: 08-2844487 E-mail: info@pma.ps Ramallah - Al Bireh P.O. Box 452 - Tel.: 02-2409920 - Fax: 02-2409922 Gaza - P.O. Box 4026 - Tel.: 08-2825713 - Fax: 08-2844487 WWW.PMA.PS

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Demographic Data File Structure for Facilities Granted to Small and Medium Enterprises

File Header: First Line

Field Name	Description	Seq.
Number of applications received during the period	Number of applications submitted during the period	1.
Number of rejected applications during the period	Number of applications rejected during the period	2.

File Body:

Field Name	Description	Seq.
ID Number	Identity Number / Passport / Company Registration / Environment	1.
ID Type	Document Type; Determine the type of document held by the borrower according to the classifications in Appendix No. (01)	2.
Nationality	Nationality; Client borrower's nationality according to the passport type held according to classifications in Appendix No. (02)	3.
Facility File Number	Facility File Number	4.
Bank code	Bank Code; Code of the lending bank according to classifications in Appendix No. (03)	5.
Owner's gender	Owner's Gender; According to classifications in Appendix No. (04)	6.
Financing Period	Financing Period	7.
Percentage of Guarantee Coverage	Loan Guarantee Coverage Percentage from Loan Guarantee Institutions	8.
Interest Rate Percentage	Interest Rate	9.
Interest Type	Interest Type; According to classifications in Appendix No. (05)	10
Monthly Net Income	Monthly Return; Average monthly return in income currency	11
Income currency	Income Currency; According to classifications in Appendix No. (06)	12

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Insurance on the Assets of Enterprise	Insurance on Enterprise Assets; According to classifications in Appendix No. (07)	13
Number of Full Time Employees	Number of Contracted Workers	14
Number of Part Time Employees	Number of Part-Time Workers	15
Capital of The Enterprises	Enterprise Capital Value	16
Capital currency	Capital Currency; According to classifications in Appendix No. (06)	17
Annual Sales	Annual Sales Rate	18
Purpose of the Loan	Financing Purpose; According to classifications in Appendix No. (08)	19
Loan Distribution by Purpose	Investment Percentage in Financing Purpose	20
Enterprises Registration	Enterprise Registration Location; According to classifications in Appendix No. (09)	21
Type of the Enterprises ownership	Ownership Type; According to classifications in Appendix No. (10)	22
Enterprise setup in terms of Profit	Project Classification by Profitability; According to classifications in Appendix No. (11)	23
Economic sector	Economic Sector; According to classifications in Appendix No. (13)	24
Legal Procedures	Legal Procedure; According to classifications in Appendix No. (14)	25

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Appendix Index for the Small and Medium Enterprises Database

• Document Type - Appendix No. (1)
• Nationality - Appendix No. (2)
• Bank Code - Appendix No. (3)
• Owner's Gender - Appendix No. (4)
• Interest Type - Appendix No. (5)
• International Currency Codes - Appendix No. (6)
• Insurance on Enterprise Assets - Appendix No. (7)
• Financing Purpose - Appendix No. (8)
• Enterprise Registration Location - Appendix No. (9)
• Ownership Type - Appendix No. (10)
• Project Classification by Profitability - Appendix No. (11)
• Borrower Status - Appendix No. (12)
• Economic Sector - Appendix No. (13)
• Legal Procedure - Appendix No. (14)

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Appendix No. (1)

Document Type

The borrower's document type is classified as follows:

Code	Type	Seq.
S	Identity Card	1.
F	Passport	2.
C	Registration Certificate	3.

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Appendix No. (2)

International Country Codes (for determining borrower nationality)

Country	Dialing Code	ISO
United Arab Emirates	971	AE
Argentina	054	AR
Australia	061	AU
Austria	043	AT
Belgium	032	BE
Bulgaria	359	BG
Bahrain	973	BH
Bosnia and Herzegovina	387	BA
Brazil	055	BR
Brunei	673	BN
Canada	C01	CA
Chile	056	CL
China	086	CN
Cameroon	237	CM
Colombia	057	CO
Costa Rica	506	CR
Cuba	053	CU
Cyprus	357	CY
Czech Republic	420	CZ
Germany	049	DE
Djibouti	253	DJ
Denmark	045	DK
Algeria	213	DZ
Ecuador	593	EC
Egypt	020	EG
Spain	034	ES
Finland	358	FI
France	033	FR

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United Kingdom	044	GB
Greece	030	GR
Guatemala	502	GT
Hong Kong	852	HK
Hungary	036	HU
Indonesia	062	ID
India	091	IN
Ireland	353	IE
Iraq	964	IQ
Israel	972	IL
Italy	039	IT
Jordan	962	JO
Japan	081	JP
Kenya	254	KE
South Korea	082	KR
Kuwait	965	KW
Lebanon	961	LB
Libya	218	LY
Sri Lanka	094	LK
Luxembourg	352	LU
Morocco	212	MA
Mexico	052	MX
Malta	356	MT
Mauritania	222	MR
Malaysia	060	MY
Nigeria	234	NG
Netherlands	031	NL
Norway	047	NO
New Zealand	064	NZ
Sultanate of Oman	968	OM
Pakistan	092	PK
Peru	051	PE
Philippines	063	PH
Poland	048	PL
Portugal	351	PT
Paraguay	595	PY
Palestine	970	PS
Qatar	974	QA
Romania	040	RO
Russia	007	RU
Saudi Arabia	966	SA
Sudan	249	SD
Senegal	221	SN
Singapore	065	SG

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Sweden	046	SE
Switzerland	041	SZ
Syria	963	SY
Thailand	066	TH
Tunisia	216	TN
Turkey	090	TR
Taiwan	886	TW
Uganda	256	UG
Ukraine	038	UA
Uruguay	598	UY
United States of America	U01	US
Venezuela	058	VE
Yemen	967	YE
Zambia	260	ZM

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Appendix No. (3)

Bank Codes and Branches

Code	Bank Name
0100	Bank of Palestine
0101	Main Branch
0102	Branch A
0103	Branch B
Sequentially	Etc....
0200	Cairo Amman Bank
0201	Main Branch
0202	Branch A
0203	Branch B
Sequentially	Etc....
0300	Palestinian Commercial Bank
0301	Main Branch
0302	Branch A
0303	Branch B
Sequentially	Etc....
0400	Jordan Bank
0401	Main Branch

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0402	Branch A
0403	Branch B
Sequentially	Etc....
0500	Jordanian Commercial Bank
0501	Main Branch
0502	Branch A
0503	Branch B
Sequentially	Etc....
0600	Arab Bank
0601	Main Branch
0602	Branch A
0603	Branch B
Sequentially	Etc....
0700	Arab Egyptian Bank
0701	Main Branch
0702	Branch A
0703	Branch B
Sequentially	Etc....
0800	Palestinian Investment Bank
0801	Main Branch
0802	Branch A
0803	Branch B
Sequentially	Etc....
0900	Jordanian National Bank
0901	Main Branch
0902	Branch A
0903	Branch B
Sequentially	Etc....
1000	Jordanian Kuwaiti Bank
1001	Main Branch / Nablus