SBP-DR-CIRCULAR-2026-0075. — Issuance of Agreement No. 6-2026

July 30, 2026 SBP-DR-CIRCULAR-2026-0075 Mr./Ms. General Manager City Reference: Issuance of Agreement No. 6-2026. Dear General Manager: We are pleased to inform you that the Board of Directors of this Superintendence has issued Agreement No. 6-2026 of July 22, 2026 “By which Article 9 of Agreement No. 1-2011 is modified, which sets guidelines for information transparency through the use of banking products and services.” Through said Agreement, Article 9 of Agreement No. 1-2011 is updated, which contemplates the means to inform the client about interest rates, commissions, and charges by third parties for products and services. The modification seeks to promote information transparency as a mechanism so that banking clients know at all times the conditions of their credit financings; through the amortization table. The present Agreement will enter into force starting from the twenty-second (22) of October 2026. Attached you will find a copy of the Agreement, whose text can be consulted through our website www.superbancos.gob.pa in the regulatory section. We thank the Mr./Ms. General Manager for issuing pertinent instructions to the personnel under your charge for compliance with the present. Sincerely, Milton Ayón Wong Superintendent Attachment: as indicated YGL/kc “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 Postal 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 Superintendence of Banks of Panama, according to 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=Rcy%2FxsIlrx6FQUOIOiunym5i4p2S3Q0non548o0ZaxE%3D