Lima, 29 August 2024

S.B.S. Resolution No. 02998-2024 The Superintendent of Banking, Insurance and Private Pension Fund Administrators

WHEREAS:

That, by means of Law No. 31143, Law that Protects Consumers of Financial Services from Usury, article 6 of Law No. 28587, Complementary Law to the Consumer Protection Law in Matters of Financial Services, and article 9 of Law No. 26702, General Law of the Financial System and the Insurance System and Organic Law of the Superintendency of Banking and Insurance and its amendatory norms, hereinafter, the General Law, were amended, assigning to this Superintendency the responsibility of approving the commissions and expenses that the companies of the financial system charge users;

That, in compliance with the mandate indicated in the previous paragraph, the Regulation of Commissions and Expenses of the Financial System, approved by SBS Resolution No. 3748-2021 and its amendment, established the categories, denominations and descriptions of the commissions and expenses that the companies of the financial system may apply in the products and/or services offered to users;

That, likewise, the Regulation of Market Conduct Management of the Financial System, approved by SBS Resolution No. 3274-2017 and its amendments, established the provisions relating to the application of the commissions and expenses associated with the different financial products and services offered by the companies, in accordance with the categories, denominations and descriptions listed and approved in the annexes of the Regulation of Commissions and Expenses of the Financial System;

That, in order to gather information on the commissions and main expenses charged by the companies of the financial system, associated with the different products and/or services they offer, it is necessary to have a new report under a data structure that allows the Superintendency to adequately fulfill its supervision duties;

That, in order to gather the opinions of the general public regarding the regulatory proposal, the pre-publication of the draft resolution on the matter was ordered on the electronic portal of the Superintendency, under the provisions of Supreme Decree No. 001-2009-JUS and its amendatory norms;

With the approval of the Deputy Superintendencies of Banking and Microfinance, of Market Conduct and Financial Inclusion and of Legal Advice; and,

Republic of Peru

SUPERINTENDENCY OF BANKING, INSURANCE AND AFP

In use of the powers conferred in numerals 7 and 9 of article 349 of the General Law of the Financial System and the Insurance System and Organic Law of the Superintendency of Banking and Insurance, Law No. 26702 and its amendatory norms, hereinafter General Law;

RESOLVES:

Article One.- Create the Report called “Commissions and main expenses applied by the companies of the financial system”, in accordance with the format and instructions presented in the annex that forms an integral part of this Resolution, and which is published on the institutional portal (www.sbs.gob.pe), in accordance with the provisions of Supreme Decree No. 001-2009-JUS and its amendments. The updating of the tables is published on the web portal of the Superintendency (www.sbs.gob.pe) and is communicated to the companies by Multiple Official Letter, for the corresponding report.

Article Two.- The companies included in literal A of article 16 of the General Law, the Banco de la Nación, the Banco Agropecuario and the mortgage administration companies (hereinafter, the companies), must submit the Report quarterly to the Superintendency, within fifteen (15) calendar days after the close of the period, through the Sub-module of Capture and External Validation (SUCAVE).

Article Three.- This Resolution enters into force as of the information corresponding to the second quarter of 2025, which must be submitted no later than 15 July 2025.

Register, communicate and publish.

SERGIO JAVIER ESPINOSA CHIROQUE
SUPERINTENDENT OF BANKING, INSURANCE AND AFP