Exim Credit Bank Code of Conduct

Introduction

Exim Credit Bank is committed to conducting its business with the highest ethical and professional standards. This Code of Conduct outlines the principles and guidelines that all employees, officers, directors, and stakeholders are expected to follow in order to uphold the bank's integrity, reputation, and commitment to responsible business practices.

Core Values

Exim Credit Bank is guided by the following core values:

- Integrity: We conduct ourselves with honesty, transparency, and fairness in all our dealings.
- Customer-Centricity: We prioritize our customers' needs and strive to provide them with exceptional service.
- Compliance: We adhere to all relevant laws, regulations, and international best practices.
- Professionalism: We maintain the highest standards of professionalism and competence in our work.
- Innovation: We continuously seek innovative solutions to improve our services and operations.

Principles and Guidelines

1. Ethical Conduct

- 1.1. All employees and stakeholders must act with honesty, integrity, and in an ethical manner in all business interactions.
- 1.2. Conflicts of interest must be disclosed and managed appropriately.
- 1.3. Insider trading and the misuse of non-public information are strictly prohibited.

2. Compliance

- 2.1. Compliance with all applicable laws, regulations, and international sanctions is mandatory.
- 2.2. The bank is committed to preventing money laundering and terrorist financing and will follow stringent Know Your Customer (KYC) procedures.
- 2.3. Exim Credit Bank does not engage in any unethical, illegal, or prohibited activities, including bribery or corruption.

3. Customer Focus

- 3.1. We prioritize our customers' interests and provide them with clear, accurate, and timely information.
- 3.2. Confidential customer information must be protected and handled with the utmost care and discretion.

4. Professionalism

- 4.1. All employees and stakeholders are expected to maintain a high level of professionalism and competence in their roles.
- 4.2. Respect for colleagues, clients, and partners is essential, and discrimination and harassment will not be tolerated.

5. Risk Management

- 5.1. Responsible risk management is a core aspect of our business. Employees must assess and mitigate risks appropriately.
- 5.2. Decisions regarding lending, investments, and risk-taking must be made with careful consideration of their impact on the bank and its stakeholders.

6. Reporting Concerns

- 6.1. Any employee or stakeholder who becomes aware of unethical or illegal conduct must report it promptly through established channels, including whistleblower policies.
- 6.2. Exim Credit Bank is committed to protecting whistleblowers from retaliation.

Enforcement and Consequences

Failure to adhere to this Code of Conduct may result in disciplinary action, including but not limited to termination of employment or business relationships. The bank will also cooperate with relevant authorities in the investigation of any unlawful activities.

Conclusion

Exim Credit Bank is dedicated to upholding the highest standards of integrity and professionalism. This Code of Conduct serves as a guide for all employees and stakeholders in ensuring that our business is conducted responsibly and ethically.