All Circulars | Superintendencia de Bancos de Panamá

Circulars 2025

CF-L3-85-No.004-2025 CIRCULAR-2025-0086.

Residential 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)

SBP-DR-CIRCULAR-2025-0084.

Resolución General SBP-RG-R-2025-00587 de 16 de septiembre de 2025.

SBP-DR-FID-CIRCULAR-2025-0083.

Actualización de Tabla FD02 y descripción de estructuras de átomos fiduciarios. Adjuntos:

Estructura de átomos:AF02, AF03, AF04, AF05, AF06, AF07, AF08

Tablas:FD02, FD09, FD13, FD18, FD21, FD24, FD26, SB03, SB14

SBP-DR-CIRCULAR-2025-0082.

Ajuste a la Tabla SB59"Tipos de garantías" – Acuerdo No. 8-2025

SBP-DR-CIRCULAR-2025-0081.

Presentación de informe de liquidez (LS02)

SBP-DR-CIRCULAR-2025-0079.

Tipo de Establecimiento (Tabla BAN01)

SBP-DS-FECI-CIRCULAR-2025-0077.

Executive Decree No. 35 of July 22, 2025, repealing Executive Decree No. 39 of 2022 and amending Executive Decree No. 29 of 1996.

SBP-DJ-CIRCULAR-2025-0080.

Jornada de Trabajo y Atención al Público. Superintendencia de Bancos. Fundación de la Ciudad de Panamá. (Decreto Ejecutivo No.:135 de 30 de Diciembre de 2024).

SBP-DJ-CIRCULAR-2025-0075.

Certificación bancaria para trámites de Residencia Permanente en calidad de Inversionista Calificado. Decreto Ejecutivo N.o 722 de 2020, modificado por el Decreto Ejecutivo N.o 193 de 2024. Modelo de Garantía de Cumplimiento. Circular No. SBP-DJ-0017-2022

SBP-DR-CIRCULAR-2025-0074.

Datos de la persona responsable de la Unidad o Área relacionada con la sostenibilidad.

SBP-DR-CIRCULAR-2025-0073.

Actualización Tablas: Liquidez Legal (SB15), EVAP Semanal (SB40) y Calificación de Riesgo (SB25) -

Acuerdo No. 6-2025.

SBP-DJ-CIRCULAR-2025-0072.

MEF (DGI) - Solicitud de Divulgación de información a Bancos y Entidades Financieras

SBP-DR-CIRCULAR-2025-0070.

Aviso por mantenimiento de los sistemas operativos de la Superintendencia de Bancos de Panamá.

SBP-DJ-CIRCULAR-2025-0068.

Remisión de información.
Banco La Hipotecaria,S.A. Cheque extraviado.

SBP-DR-CIRCULAR-2025-0066.

Límite para los abonos a obligaciones pagaderos dentro de los ciento ochenta y seis (186) días calendario.

SBP-DJ-CIRCULAR-2025-0065.

Inhabilitación para ejercer labor como gestora de cobros. Oficio No.4230-OJC-SC-2025. Código EXT-SBP-2025-03571.

CF-L3-85-No.003-2025 CIRCULAR-2025-0063.

Residential 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)

SBP-DR- CIRCULAR-2025-0060.

Primer Informe de Sostenibilidad – SBP.

SBP-DJ-CIRCULAR-2025-0058.

Inhabilitación para laborar en entidades financieras. Oficio No.3761-25 de 26 de mayo de 2025. Código EXT-SBP-2025-02906

SBP-DJ-CIRCULAR-2025-0056.

Disqualification from Banking. SOJP Official Letter No. 10852-2025 dated April 28, 2025. Code: EXT-SBP-2025-02212.

SBP-DPC-CIRCULAR-2025-0053

Integrity Guidelines Update

SBP-DJ-CIRCULAR-2025-0050

Working Day and Customer Service. Superintendency of Banks. May 1, 2025

SBP-DJ-CIRCULAR-2025-0047

Suspension from duties at banking institutions. Official Letter No. 8625 of March 25, 2025. Code EXT-SBP-2025-01570

SBP-DR-CIRCULAR-2025-0046

Statement on the progress of the pilot plan to streamline bank account opening processes (identification of improvement).

SBP-DPC-FINAN-CIRCULAR-2025-0044

Update on Compliance Reports Related to AML/CFT/FPWMD. Adjuntos: Instructivo de los Reportes de Cumplimiento, Tabla de referencia de Reportes,Reporte 1-Informacion General de SOF Actualizado, Reporte 2-Estructura Accionaria y Junta Directiva de SOF Actualizado, Reporte 3-Información Operativa de SOF Actualizado, Reporte 4-Identificación de Factores de Riesgo de SOF Actualizado.

SBP-DPC-LSN-CIRCULAR-2025-0043

SBP-DPC-FACT-CIRCULAR-2025-0042

Update on Compliance Reports Related to AML/CFT/FPWMD. Adjuntos: Instructivo de los Reportes de Cumplimiento, Tabla de referencia de Reportes,Reporte 1-Informacion General de SOF Actualizado, Reporte 2-Estructura Accionaria y Junta Directiva de SOF Actualizado, Reporte 3-Información Operativa de SOF Actualizado, Reporte 4-Identificación de Factores de Riesgo de SOF Actualizado.

CF-L3-85-No.002-2025 CIRCULAR-2025-0039.

Residential 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)

SBP-DJ-CIRCULAR-2025-0038

Working and customer service hours at the Superintendency of Banks. (Thursday, April 17 and Friday, April 18). (Holy Week).

SBP-DR-FINAN-CIRCULAR-2025-0033

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-BDA-CIRCULAR-2025-0032

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-CACAM-CIRCULAR-2025-0031

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-SAPRE-CIRCULAR-2025-0030

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-REMDI-CIRCULAR-2025-0029

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-MP-CIRCULAR-2025-0028

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-FACT-CIRCULAR-2025-0027

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-EMT-CIRCULAR-2025-0026

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-LSN-CIRCULAR-2025-0025

RULE NO. 1-2025. Which adopts an enunciative guide of the catalogue of positions of politically exposed persons.

SBP-DR-BHN-CIRCULAR-2025-0024

RULE NO. 1-2025. Adopting a guideline listing the positions of politically exposed persons.

SBP-DJ-CIRCULAR-2025-0013.

New Headquarters of the Superintendency of Banks of Panama.

SBP-DJ-CIRCULAR-2025-0011.

Notice on lost checkbook. Banco Delta, S.A.

SBP-DJ-CIRCULAR-2025-0008.

Information Transfer. Report of Loss of Personal Identification Document. Code EXT-SBP-2025-00301.

SBP-DJ-CIRCULAR-2025-0007.

Temporary Modification of Working Hours and Customer Service at the Superintendency of Banks.

CF-L3-85-No.001-2025 CIRCULAR-2025-0004.

Residential 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)

Circulars 2024

SBP-DJ-CIRCULAR-2024-0089.

Official Notice No. 12,491 dated November 14, 2024. Prohibition of the use of credit and debit cards and the issuance of checks. Joana Prisilda Alvarado Sáenz. Code EXT-SBP-2024- 05940.

SBP-DJ-CIRCULAR-2024-0088.

Illegal document. Unauthorized use of this Superintendency’s logo. Entity without a banking license.

SBP-DJ-CIRCULAR-2024-0086.

Official Notice No. 29302 dated October 30, 2024. Compliance Court of the Judicial Circuit of Panama – Extinction of sentences - Catherine Michelle Barrios Garibaldo.
Code EXT-SBP-2024-05671

SBP-DR-FID-CIRCULAR-2024-0074.

Provisional schedule. Working hours and customer service. Superintendency of Banks. (December 24 and 31, 2024)

SBP-DR-FID-CIRCULAR-2024-0071.

Attendance - Presentation of the Book of Banking Regulations 1998 - 2023, fifth edition, and the Special Edition of the Commemorative Book of the “25th Anniversary of the Superintendency of Banks of Panama”.

SBP-DR-CIRCULAR-2024-0070.