Superintendencia de Bancos de Panama

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2026-10-19Update of FECI Commission Interpretation Criterion No. 5 regarding the discount of interest
2026-10-19Update to FECI Commission Interpretation Criterion No. 45 on External Loans
2026-10-19SBP-DR-FID-CIRCULAR-2026-0110 — Issuance of Agreement No. 10-2026
2026-10-19Update to FECI Commission Interpretation Criterion No. 9 on Interest Discounts
2026-10-16SBP-SG-CIRCULAR-2026-0108 — Issuance of Agreement No. 10-2026
2026-10-15SBP-SG-CIRCULAR-2026-0107: Adoption of IFRS 18 (Annex)
2026-10-15Agreement No. 10 (2026) Incorporating a Paragraph into Annex No. 1 of Agreement No. 1-2025 Regarding Politically Exposed Persons
2026-10-13SBP-DR-FID-CIRCULAR-2026-0105: Temporary Extension (Information Requirements / General Resolution SBP-RG-FID-R-2025-00219)
2026-10-08SBP-DR-CIRCULAR-2026-0104: Modification of Article 194 of the Banking Law through Law No. 547 of 2026
2026-10-06SBP-DR-CIRCULAR-2026-0102: Issuance of Agreement No. 8-2026
2026-10-06CF-L3-85-No.004-2026 CIRCULAR-2026-0103: Issuance of Agreement No. 9-2026
2026-10-02CF-L60-18-No.004-2026 CIRCULAR-2026-0100. — Law 60-2018 amending Law 2 of 1992. Restoration-Colon Free Port
2026-10-02CF-L3-85-No.004-2026 CIRCULAR-2026-0101. Residential Mortgage Loans
2026-10-02CF-DL9-97-No.004-2026 CIRCULAR-2026-0099: Law 519-2026 Restoration of the Historic Monumental Complex of the Old Quarter of Panama City
2026-09-25Agreement No. 9-2026: Modifying Article 2 of Agreement No. 6-2026 to Extend Entry into Force and Adding an Illustrative Amortization Table as an Annex
2026-09-25Agreement No. 8 (2026) — Establishing Guidelines on Control Measures Necessary for the Verification of Electronic Fund Transfers Within National Territory
2026-09-22Update to Table SB109 (CINU) and Validation of CINU AT03-AT21
2026-09-07SBP-DR-CIRCULAR-2026-0096: Issuance of Agreement No. 7-2026
2026-09-04Fiduciary Schemes Using Special Purpose Vehicles (SPV), REITs (Real Estate Investment Trusts), Trusts, or Similar Structures for Derecognition
2026-08-31Agreement No. 7 (2026) Modifying Articles 4 and 5 of Agreement No. 4-2011 on Banking Commissions and Surcharges
2026-08-21SBP-DPC-BHN-CIRCULAR-2026-0085 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-FINAN-CIRCULAR-2026-0089. — Update and Administration of Contact Links and Authorized Users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPB-MP-CIRCULAR-2026-0086 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-REMDI-CIRCULAR-2026-0083. — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPB-FID-CIRCULAR-2026-0090 — Update and Administration of Contact Links and Authorized Users Before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPB-SAPRE-CIRCULAR-2026-0084 — Update and Administration of Contact Links and Authorized Users Before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-EMT-CIRCULAR-2026-0087 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-FACT-CIRCULAR-2026-0088 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-CIRCULAR-2026-0092 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-LSN-CIRCULAR-2026-0091 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-21SBP-DPC-BDA-CIRCULAR-2026-0093 — Update and Administration of Contact Links and Authorized Users Before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-19Implementation of the New Structure for Regional Banking Groups Table (BAN24) (Table-BAN24, GBR-SB128, SB65 and SB03)
2026-08-19SBP-DR-CIRCULAR-2026-0080. — Update of fee schedules
2026-08-19SBP-DPC-CACAM-CIRCULAR-2026-0081 — Update and administration of contact links and authorized users before the Financial Analysis Unit and the Superintendence of Banks of Panama
2026-08-19SBP-DR-CIRCULAR-2026-0082. — Adhesives for banks (Annex 1)
2026-08-14SBP-DR-CIRCULAR-2026-0077: Graphic Asset for Bank Website Publication
2026-08-10Circular SBP-DR-CIRCULAR-2026-0076: Update of the SB120 Table for "Change Category" in the Credit Atom Structure (AT03)
2026-07-30SBP-DR-CIRCULAR-2026-0075. — Issuance of Agreement No. 6-2026
2026-07-22Agreement No. 6 (2026) Modifying Article 9 of Agreement No. 1-2011 on Transparency Guidelines for Banking Products and Services
2026-07-17Issuance of Agreement No. 4-2026
2026-07-16Limit for payments to obligations payable within one hundred and eighty-six (186) calendar days
2026-07-15Modification of Capital Adequacy Norms for Derivative Exposure
2026-07-15SBP-DR-CIRCULAR-2026-0071. Issuance of Agreement No. 4-2026
2026-07-08Fiduciary Schemes Using REIT-Type Vehicles to Write Off Repossessed/Adjudicated Assets and Evade Regulatory Reserve Requirements
2026-07-08SBP-SG-CIRCULAR-2026-0069: Adoption of ISSB Sustainability Disclosure Standards
2026-06-30Residential Mortgage Loans (Law 3/85, 11/90, 5/94, 28/95, 50/99,65/2003, 29/2008, 28/2012, 63/2013, 66/2017, 94/2019,255/2021)
2026-06-29CF-L60-18-No.003-2026. CIRCULAR-2026-0065. Law 60-2018 Amending Law 2 of 1992. Restoration-Colon Free Port
2026-06-29Circular 2026-0067: Local Reference Interest Rate for Residential Mortgage Loans for the Third Quarter of 2026
2026-06-29Circular 2026-0066: Local Market Reference Rate for Preferential Mortgage Loans for Restoration under Law 136-2013
2026-06-23Agreement No. 4-2026 Modifying Notification Procedures in Administrative Sanctioning Processes
2026-06-23Agreement No. 5-2026: Amending Article 17 of Agreement No. 1-2015 on Capital Adequacy Rules for Banks and Banking Groups
2026-06-23SBP-DR-CIRCULAR-2026-0064 - Issuance of General Resolution SBP-RG-R-2026-00401 of June 23, 2026. Annex 1
2026-06-22Agreement No. 3-2026: Establishing Criteria for Imposing and Grading Administrative Sanctions on Banks for Violations of the Prevention Regime
2026-02-03Agreement No. 2-2026: Modification of Article 2 of Agreement No. 3-2016 on Risk-Weighted Assets
2026-01-23Agreement No. 1 (2026) - Prevention of the Misuse of Banking and Trust Services
2026-01-05Resolution SBP-ADM-R-2026-00003: Establishing Suspension Dates and Compensation Hours for the Banking Superintendence Offices in 2026
2026-01-02SBP-DR-CIRCULAR-2026-0001: General Audit Plan and Special Reports - Agreement No. 4-2010 on External Audit of Banks
2025-12-17Agreement No. 9 (2025) Updating the Administrative Procedure for Handling Complaints Before the Superintendence of Banks
2025-08-19Agreement No. 7 (2025): Guidelines for the Establishment and Management of a Capital Buffer for Locally Systemic Banks
2025-08-19Agreement No. 8-2025: Modification of Articles 39, 41, and 42 of Agreement No. 4-2013 on Credit Risk Management
2025-08-04Agreement No. 5 (2025) Updating Guidelines in Articles 199 and 208 of the Banking Law
2025-08-04Agreement No. 6 (2025) Modifying Articles 7, 8 and Annexes 1 and 2 of Agreement No. 4-2008 on Legal Liquidity Index Compliance
2025-07-01Agreement No. 4 (2025) Modifying Articles 6 and 9 of Agreement No. 1-2011 on Banking Product and Service Transparency Guidelines
2025-05-12Agreement No. 3 (2025) Modifying Agreement No. 4-2010 on External Bank Audits
2025-03-24Agreement No. 2 (2025) Modifying Article 3 of Agreement No. 3-2016 on Risk-Weighted Assets
2025-03-11Agreement No. 1 (2025) Adopting an Enunciative Guide for the Catalog of Positions of Politically Exposed Persons
2025-02-11SBP-DR-CIRCULAR-2025-0012: Submission of Liquidity Reports (LS02) and (AT10)
2024-06-10Agreement No. 2 (2024) — By which Article 12 of Agreement No. 8-2010 on Integrated Risk Management is modified. Official Gazette 30049 of June 10, 2024. “Compiled Document”
2023-12-18Circular 078 (2023)
2023-11-16Circular 065 (2023)
2023-10-30Agreement No. 5 (2023): Establishing Rules on the Capital Conservation Buffer
2023-06-22Agreement No. 003-2023 Modifying Article 37 of Agreement No. 4-2013 on Credit Risk
2023-06-16Circular 043 (2023) - Graphic Asset for Bank Website Publication
2023-04-10Agreement No. 002-2023: Adding Article 3-A and Modifying Articles 13 and 27 of Agreement No. 005-2011 on Corporate Governance
2023-03-01Agreement No. 001-2023: Modification of Article 2 of Agreement No. 3-2016 on Risk-Weighted Assets
2022-11-16Agreement No. 012-2022: Parameters and Guidelines for the Final Restoration of the Modified Special Mention Portfolio
2022-11-16Agreement No. 011-2022: Adding Item 13 to Article 4 of Agreement No. 8-2010 on Integrated Risk Management
2022-08-30Agreement No. 009-2022: Adding Article 11-A to Agreement No. 1-2011 on Transparency of Information for the Use of Banking Products and Services
2022-08-23Agreement No. 8 (2022) Modifying Article 2 of Agreement No. 3-2016 on Risk-Weighted Credit Assets and Counterparty Risk
2022-08-23Agreement No. 007-2022 Modifying Article 41 of Agreement No. 4-2013
2022-08-14Agreement No. 013-2022: Adding Article 3-A to Agreement No. 1-2010 on Integrity and Accuracy of Financial Statement Information
2022-07-06Agreement No. 006-2022 Modifying Articles 13, 14, 15, and 16 of Agreement No. 010-2015 on Prevention of Misuse of Banking and Fiduciary Services
2022-05-30Agreement No. 005-2022 Modifying Article 6 of Agreement No. 6-2021 on Provisions for Modified Special Mention Credits
2022-05-04Agreement No. 003-2022: Modification of Article 2 of Agreement No. 3-2016 on Risk-Weighted Assets
2022-05-04Agreement No. 004-2022 Modifying Article 31 of Agreement No. 2-2018 on Liquidity Risk Management and Short-Term Liquidity Coverage Ratio
2022-04-13Circular 035 (2022): Temporary Extension of Appraisal Reports
2022-03-31Agreement No. 1 (2022): Special Guidelines for the Protection of Personal Data Processed by Banking Entities
2022-03-30Agreement No. 002-2022: Modification of Article 15 of Agreement No. 6-2011
2022-01-11Agreement No. 006-2021: Parameters and Guidelines for Determining Provisions for Modified Special Mention Credits
2021-12-09Agreement No. 005-2021 Modifying Article 15 of Agreement No. 6-2011 on Electronic Banking
2021-11-01Agreement No. 4 (2021) Modifying Article 2 and Adding Article 14-A to Agreement No. 1-2004
2021-10-21Circular 117 (2021)
2021-08-24Agreement No. 003-2021 Adding Article 7-A to Agreement No. 2-2021 Regarding Modified Credits
2021-06-29Agreement No. 002-2021: Establishing Parameters and Guidelines for Modified Credits
2021-04-21Circular 56 (2021)
2021-04-05Agreement No. 001-2021 Modifying Articles 5 and 7 of Agreement No. 1-2015 on Capital Adequacy Standards for Banks and Banking Groups
2020-12-15Agreement No. 014-2020 of December 15, 2020, Modifying Article 5 of Agreement No. 002-2019
2020-11-16Law 179 of November 16, 2020, Regulating the Financial Leasing of Real Estate and Enacting Other Provisions
2020-10-26Agreement No. 012-2020 Modifying Article 19 and Annexes 1 and 2 of Agreement No. 4-2008 on Legal Liquidity Index Compliance
2020-10-26Agreement No. 13 (2020) Modifying Agreement No. 2-2020 on Credit Risk and Establishing Additional Relief Measures
2020-10-06Agreement No. 011-2020 Modifying Article 2 of Agreement No. 3-2016 on Risk-Weighted Assets
2020-10-06Agreement No. 10 (2020) Modifying Article 31 of Agreement No. 2-2018 on Liquidity Risk Management and the Short-Term Liquidity Coverage Ratio
2020-09-23Agreement No. 9 (2020) Modifying Agreement No. 2-2020 on Credit Risk Measures
2020-07-24Agreement No. 008-2020 Modifying Articles 8 and 13 of Agreement No. 3-2008 on Complaint Procedures Before the Superintendence
2020-07-21Agreement No. 007-2020 Modifying Article 4 of Agreement No. 2-2020 on Exceptional Credit Risk Measures
2020-06-25Agreement No. 6 (2020) Modifying Agreement No. 1-2016 on ACH Clearing and Funds Availability
2020-06-16Agreement No. 5 (2020) Modifying Articles 39, 41, and 42 of Agreement No. 4-2013 on Credit Risk Management
2020-05-14Agreement No. 004-2020 Modifying Article 5 of Agreement No. 002-2019
2020-03-27Agreement No. 003-2020 Modifying Article 3 of Agreement No. 2-2020 on Credit Risk
2020-03-18Agreement No. 2 (2020) Establishing Additional, Exceptional, and Temporary Measures for Compliance with Credit Risk Provisions
2020-02-07Agreement No. 1 (2020) Modifying the Technical Annex of Agreement No. 003-2018 Establishing Capital Requirements for Financial Instruments in the Trading Book
2019-12-27Agreement No. 014-2019 Modifying the Legal Liquidity Index Percentage Under Article 20 of Agreement No. 4-2008
2019-11-26Agreement No. 013-2019 Modifying Article 3 of Agreement No. 006-2018 Updating Fees for Special Services
2019-11-06Agreement No. 012-2019: Regulations on Securities Investments
2019-10-23Agreement No. 011-2019 Modifying Article 27 of Agreement No. 004-2013 on Credit Risk Management
2019-10-07Agreement No. 10 (2019) Adding Article 8-A to Agreement No. 6-2009 on Risk Concentration Limits for Economic Groups and Related Parties
2019-10-07Agreement No. 009-2019 Modifying Article 2 of Agreement No. 006-2012 on Technical Accounting Standards for Banks in Panama
2019-09-03Agreement No. 008-2019: Adding Article 11-A to Agreement No. 005-2011 on Corporate Governance
2019-07-10Agreement No. 007-2019 Modifying Article 1 of Agreement No. 005-2015 on Prevention of Misuse of Services by Other Obligated Subjects Under the Supervision of the Superintendence of Banks
2019-06-06Agreement No. 006-2019: Modification of Agreement No. 003-2018 Establishing Capital Requirements for Financial Instruments in the Trading Book
2019-05-13Agreement No. 003-2019 Modifying the Technical Annex of Agreement No. 011-2018 on Operational Risk
2019-05-13Agreement No. 004-2019 Modifying Article 2 of Agreement No. 006-2017 on Shared Banking
2019-05-13Agreement No. 5 (2019). Guidelines for Banks and Trust Companies Acting as Alternative Insurance Marketing Channels
2019-04-22Agreement No. 002-2019 Modifying Agreement No. 010-2015 on Prevention of Misuse of Banking and Fiduciary Services
2019-04-02Agreement No. 001-2019: Catalog of Alert Signals for the Detection of Operations Related to the Financing of Terrorism
2018-12-28Circular 126 (2018): 2019 Calendar for FECI Report Submission
2018-12-10Agreement No. 13 (2018) Modifying Agreement No. 10-2015 on Prevention of Misuse of Banking and Fiduciary Services
2018-10-24Agreement No. 12 (2018) - Modifying Article 8 of Agreement No. 9-2009
2018-10-05Agreement No. 007-2011 Establishing Operational Risk Management Standards
2018-09-21Agreement No. 10 (2018) Modifying Agreement No. 04-2015 on the Registration Procedure for Custodians of Bearer Shares
2018-07-03Agreement No. 004-2008 on the Legal Liquidity Index
2018-06-07Agreement No. 10-2002 of October 2, 2002
2018-06-06General Resolution No. 7-2000 Establishing Provisions on Country Risk Management
2018-05-17Agreement No. 8-2003: Establishing Fees for Special Services
2018-04-12Agreement No. 4 (2018) Modifying Article 35 of Agreement No. 002-2018 on Liquidity Risk Management and Short-Term Liquidity Coverage Ratio
2018-02-07Agreement No. 005-2012 Regarding Interbank Deposits and Activities of International License Banks
2018-02-07Agreement No. 004-2018 Modifying Article 35 of Agreement No. 002-2018 on Liquidity Risk Management and Short-Term Liquidity Coverage Ratio
2018-01-17Agreement No. 11 (2017): Guidelines for Operations with Financial Derivative Instruments