Recently, there has been an observed increase in the practice of attaching promotional brochures to ATMs by individuals and offices. These brochures advertise services such as early repayment of borrowers' debts, assistance in obtaining new loans, and installment plans for goods and prepaid communication cards with varying interest rates. 

These practices are in violation of Article 2 of the Banking Control Law issued by Royal Decree No. M/5 dated 22/6/1386H, which states: "No person, natural or juristic, unlicensed in accordance with the provisions of this Law, shall carry on basically any of the banking business." The Implementation Rules for Banking Control Law further clarify these activities and specify penalties for violations under paragraph 1 of Article 23 of the same law, which states: "Imprisonment for a term not exceeding two years and to a fine not exceeding SAR 5,000 for every day the offense continues or to either of these penalties for any person who contravenes the provisions of paragraph 1 of Article 2 ."

Since the Banking Control Law provides the regulatory framework under which banks operate and are subject to supervision and oversight, the activities conducted by individuals and office owners are in violation of this law. These activities have negative implications for national security and the economy, directly affecting public interest, conflicting with the operations of banks, and impacting their interests. Additionally, their practices may involve money laundering activities, especially since they are unlicensed and not subject to any supervision, oversight, or regulation. Their actions may also lead to breaches of banking confidentiality.

Therefore, we request the implementation of the following measures:

1. Implement measures to ensure that promotional stickers are not placed on ATMs.
2. Educate customers about the illegality and risks associated with this practice.
3. Direct branch managers, staff, and employees in relevant departments to refrain from cooperating with individuals or office owners in any way or assisting anyone in carrying out these activities. They must report any individuals or entities engaging in such practices to the Central Bank. Additionally, emphasize that any violation, assistance, or concealment by any official or employee will result in penalties in accordance with the Banking Control Law and the Anti-Money Laundering Law.

We request a report on the actions taken within two weeks from the date of this circular.