Limit for payments to obligations payable within one hundred and eighty-six (186) calendar days

July 16, 2026 SBP-DR-CIRCULAR-2026-0073 Dear General Manager City Reference: Limit for payments to obligations payable within one hundred and eighty-six (186) calendar days. Dear General Manager: We hereby inform you that in accordance with the provisions of Article 9 of Agreement No. 4-2008, this Superintendency has decided to maintain the percentage of payments and obligations established in the General Resolution of the Board of Directors SBP-GJD-0003-2014 of January 28, 2014. In view of the foregoing, no more than thirty percent (30%) of the liquid assets used for the calculation of the liquidity ratio may consist of payments of obligations (understood as obligations for loans) that are payable within one hundred and eighty-six (186) calendar days counted from the liquidity report, which must be classified in the normal category, in accordance with the Agreement on loan classification. We kindly request the General Manager to instruct the personnel under their charge on the relevant instructions for compliance with this document. Sincerely, Milton Ayón Wong Superintendent ARV/rr “Solidity and trust: guarantors of the rights of banking consumers” Samuel Lewis Avenue, 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=lgZL6zeYGs4laVZIg7PoIWZ4ee2EwgQLy%2BTeWbakD8w%3D