Whistle Blowing Policy & Code of Conduct

The Bank adopts a whistle blowing policy with designated officials to whom the employee can approach. The policy provides adequate protection to employees for any reports in good faith.

The Board’s Audit & Risk Committee oversees the implementation of this policy.

The Directors have adopted the following code of conduct in respect of their behavior:

Not to agree to the Bank incurring an obligation unless he/she believes at the time, on reasonable grounds, that the Bank will be able to discharge the obligations when it is required to do so;
Not to agree to the business of the Bank being carried out, or cause or allow the business to be carried out, in a manner likely to create a substantial risk of serious loss to the Bank’s creditors;
To treat fairly and with respect all of the Bank’s employees and customers with whom they interact;
Not to enter into competition with the Bank;
Not to demand or accept substantial gifts from the Bank for himself/herself or his/her associates;
Not to take advantage of business opportunities to which the Bank is entitled for himself/ herself or his/her associates;
Report to the Board any potential conflict of interest, and
Absent themselves from any discussions or decision-making that involves a subject in which they are incapable of providing objective advice or which involves a subject of proposed conflict of interest.

To act with honesty, integrity and in good faith, with due diligence and care, in the best interest of the Bank and its stakeholders;
To act only within the scope of their responsibilities;
To have a proper understanding of the affairs of the Bank and to devote sufficient time to their responsibilities;
To keep confidential Board discussions and deliberations;
Not to make improper use of information gained through the position as a director;
Not to take undue advantage of the position of director;
To ensure his/her personal financial affairs will never cause reputational loss to the Bank;
To maintain sufficient/detailed knowledge of the Bank’s business and performance to make informed decisions;
To be independent in judgment and actions and to take all reasonable steps to be satisfied as to the soundness of all decisions of the Board;

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