{"id":7569,"date":"2025-05-23T09:56:06","date_gmt":"2025-05-23T09:56:06","guid":{"rendered":"https:\/\/dgtcfm.cm\/%e2%81%a0intermediaries-in-banking-operations-iob\/"},"modified":"2025-10-25T11:28:40","modified_gmt":"2025-10-25T11:28:40","slug":"intermediary-in-banking-operations-iob-cemac","status":"publish","type":"page","link":"https:\/\/dgtcfm.cm\/en\/intermediary-in-banking-operations-iob-cemac\/","title":{"rendered":"\u2060Intermediaries in Banking Operations (IOB)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7569\" class=\"elementor elementor-7569 elementor-1905\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54feb1d e-flex e-con-boxed e-con e-parent\" data-id=\"54feb1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b3a3bbc e-con-full e-flex e-con e-child\" data-id=\"b3a3bbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dfaa44b e-con-full e-flex e-con e-child\" data-id=\"dfaa44b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02093fd elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"02093fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; 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line-height: 1.6;\">\n\n<strong style=\"color: #1a2c3d;\">Intermediaries in Banking Operations (IOB)<\/strong> play a key role in the functioning of the financial system. By connecting credit institutions with clients, they facilitate access to banking products and services, thereby contributing to <strong style=\"color: #1a2c3d;\">financial inclusion<\/strong>, the <strong style=\"color: #1a2c3d;\">banking of populations<\/strong>, and the <strong style=\"color: #1a2c3d;\">revitalization of the credit market<\/strong>. Their activity, although carried out without direct risk-taking, is strictly regulated to ensure the security of operations, the transparency of commercial relations, and the protection of users. Hence the need for <strong style=\"color: #1a2c3d;\">prior authorization<\/strong> and rigorous criteria for access to the profession.\n<h2 style=\"color: #1a2c3d; border-bottom: 2px solid #F2C230; padding-bottom: 5px; margin-top: 25px; font-size: 25px;\">I- General Provisions:<\/h2>\nIn accordance with <strong style=\"color: #1a2c3d;\">paragraph 2 of Article 43 of the Annex to the Convention of January 17, 1992<\/strong> on the harmonization of banking regulations in the Central African States, an intermediary in banking operations is anyone who, as a habitual profession, brings together, without guaranteeing performance (ducroire), parties interested in a banking operation, at least one of whom is a credit institution.\n\nThe activity of the intermediary in banking operations consists notably of presenting, proposing, or assisting in the conclusion of banking operations, or carrying out all preparatory work and advice for their execution. The banking operations covered include the <strong style=\"color: #1a2c3d;\">receipt of public funds<\/strong>, the <strong style=\"color: #1a2c3d;\">granting of credit<\/strong>, the <strong style=\"color: #1a2c3d;\">issuance of guarantees<\/strong> in favor of other credit institutions, the provision to clients, and the management of <strong style=\"color: #1a2c3d;\">means of payment<\/strong>.\n<h2 style=\"color: #1a2c3d; border-bottom: 2px solid #F2C230; padding-bottom: 5px; margin-top: 25px; font-size: 25px;\">II- Authorization to Exercise the Activity of Intermediary in Banking Operations:<\/h2>\nThe exercise of the profession of intermediary in banking operations is subject to the <strong style=\"color: #1a2c3d;\">prior authorization of the Monetary Authority (Minister of Finance)<\/strong>, issued after the concurring opinion of the <strong style=\"color: #1a2c3d;\">Banking Commission<\/strong>. A copy of the said application, accompanied by the deposit receipt, is transmitted by the applicant to the Banking Commission, for informational purposes.\n<h2 style=\"color: #1a2c3d; border-bottom: 2px solid #F2C230; padding-bottom: 5px; margin-top: 25px; font-size: 25px;\">III- Application File for Prior Authorization to Exercise the Activity of Intermediary in Banking Operations:<\/h2>\n<div style=\"background-color: #f8f9fa; padding: 20px; border-radius: 8px; margin: 20px 0; border-left: 5px solid #1A2C3D;\">\n<h3 style=\"color: #1a2c3d; margin-top: 0; margin-bottom: 15px;\">a) For Intermediaries in Banking Operations that are Legal Entities:<\/h3>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a copy of the <strong style=\"color: #1a2c3d;\">company&#8217;s articles of association<\/strong>;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; the <strong style=\"color: #1a2c3d;\">certified annual financial statements<\/strong> for the last three fiscal years, including balance sheets and income statements, as well as activity reports;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">certificate of no tax arrears<\/strong> issued by the tax administration of the country of taxation;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">certificate of no social security arrears<\/strong> issued by the social welfare organization;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">certificate of non-bankruptcy<\/strong> or non-subjection to collective debt settlement proceedings for the company;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">curriculum vitae<\/strong> written in French, duly dated and signed by the director;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a certified true copy of an <strong style=\"color: #1a2c3d;\">official identification document<\/strong> (national identity card or passport) valid for the director;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; two <strong style=\"color: #1a2c3d;\">passport-sized photographs<\/strong> of the director;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; certified true copies of the director&#8217;s <strong style=\"color: #1a2c3d;\">diplomas<\/strong>;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; certified true copies of the director&#8217;s <strong style=\"color: #1a2c3d;\">employment certificates<\/strong>;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">criminal record extract<\/strong> less than three months old, issued by the competent authorities of the director&#8217;s country of nationality and by those of the director&#8217;s country of residence;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">sworn declaration<\/strong> by which the director certifies not to be subject to any of the prohibitions or incompatibilities provided for by the regulations in force;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a certificate of no tax arrears issued by the tax administration of the director&#8217;s country of taxation;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a certificate of non-bankruptcy or non-subjection to collective debt settlement proceedings for the director;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; the <strong style=\"color: #1a2c3d;\">mandate agreement<\/strong> or draft mandate agreement between the intermediary and a credit institution, specifying the nature and conditions of the operations that the intermediary is authorized to carry out;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; proof of a <strong style=\"color: #1a2c3d;\">financial guarantee<\/strong> compliant with the required amount;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; the <strong style=\"color: #1a2c3d;\">detailed business plan<\/strong> of the envisaged operations and any partnerships concluded with CEMAC credit institutions;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a description of the <strong style=\"color: #1a2c3d;\">internal control system<\/strong> that the intermediary intends to implement to comply with its obligations, particularly regarding client identification, anti-money laundering and counter-terrorism financing, as well as risk management, especially for intermediaries authorized to hold client funds;\n\n<\/div>\n<\/div>\n<div style=\"background-color: #f8f9fa; padding: 20px; border-radius: 8px; margin: 20px 0; border-left: 5px solid #1A2C3D;\">\n<h3 style=\"color: #1a2c3d; margin-top: 0; margin-bottom: 15px;\">b) For Intermediaries in Banking Operations that are Natural Persons:<\/h3>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">curriculum vitae<\/strong> written in French, duly dated and signed;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a certified true copy of an <strong style=\"color: #1a2c3d;\">official identification document<\/strong> (national identity card or passport) currently valid;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; two <strong style=\"color: #1a2c3d;\">passport-sized photographs<\/strong>;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; certified true copies of <strong style=\"color: #1a2c3d;\">diplomas<\/strong>;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; certified true copies of <strong style=\"color: #1a2c3d;\">employment certificates<\/strong>;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">criminal record extract<\/strong> less than three months old, issued by the competent authorities of the applicant&#8217;s country of nationality and by those of their country of residence;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">sworn declaration<\/strong> by which the applicant certifies not to be subject to any of the prohibitions or incompatibilities provided for by the regulations in force;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a valid <strong style=\"color: #1a2c3d;\">residence permit<\/strong> for foreigners;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">certificate of no tax arrears<\/strong> issued by the tax administration of the country of taxation;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">certificate of non-bankruptcy<\/strong> or non-subjection to collective debt settlement proceedings;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; <strong style=\"color: #1a2c3d;\">draft mandate agreement<\/strong> between the intermediary and a credit institution, specifying the nature and conditions of the operations that the intermediary is authorized to carry out;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; any document or piece of information allowing for the assessment of the intermediary&#8217;s <strong style=\"color: #1a2c3d;\">financial situation<\/strong> and its capacity to ensure its development under appropriate risk management conditions;\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a <strong style=\"color: #1a2c3d;\">detailed presentation note<\/strong> of the envisaged operations and any partnerships concluded with CEMAC credit institutions\n\n<\/div>\n<div style=\"background-color: white; padding: 10px; margin: 8px 0; border-left: 3px solid #F2C230;\">\n\n&#8211; a description of the <strong style=\"color: #1a2c3d;\">internal control system<\/strong> implemented by the intermediary to comply with its obligations, particularly regarding client identification and anti-money laundering and counter-terrorism financing.\n\n<\/div>\n<\/div>\n<h2 style=\"color: #1a2c3d; border-bottom: 2px solid #F2C230; padding-bottom: 5px; margin-top: 25px; font-size: 25px;\">IV- Regulatory Reference<\/h2>\n<div style=\"background-color: #f2c230; color: #1a2c3d; padding: 20px; border-radius: 8px; margin: 20px 0; font-weight: bold;\">\n<p style=\"margin: 0;\">For more information, please consult the regulations in force, particularly <strong>COBAC Regulation R-2023\/02<\/strong>, relating to the conditions for exercising and controlling the activity of intermediary in banking operations within <a style=\"color:#000000\" href=\"https:\/\/cemac.int\/\" target=\"_blank\" rel=\"noopener\">CEMAC.<\/a><\/p>\n\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a244417 animated-slow e-flex e-con-boxed 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d=\"M15.6,13.2c0-0.1,4.3,0,6.7,0.5c2.4,0.5,5,1.9,5,2c0,0.1-2.7-0.8-5.1-1.4\tC19.9,13.7,15.7,13.3,15.6,13.2z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-191e1c2 e-flex e-con-boxed e-con e-child\" data-id=\"191e1c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb8711 elementor-widget elementor-widget-heading\" data-id=\"3fb8711\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><strong> Questions about IOB regulations?<\/strong> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1165846 elementor-widget elementor-widget-text-editor\" data-id=\"1165846\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tContact us to clarify any regulatory concerns you may have.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75d590b e-con-full e-flex e-con e-child\" data-id=\"75d590b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9573b1 elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"e9573b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dgtcfm.cm\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Intermediaries in Banking Operations (IOB) play a key role in the functioning of the financial system. By connecting credit institutions with clients, they facilitate access to banking products and services, thereby contributing to financial inclusion, the banking of populations, and the revitalization of the credit market. Their activity, although carried out without direct risk-taking, is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mo_disable_npp":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-7569","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/pages\/7569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/comments?post=7569"}],"version-history":[{"count":8,"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/pages\/7569\/revisions"}],"predecessor-version":[{"id":10393,"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/pages\/7569\/revisions\/10393"}],"wp:attachment":[{"href":"https:\/\/dgtcfm.cm\/en\/wp-json\/wp\/v2\/media?parent=7569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}