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IPOTEKA-BANK Implements Anti-Fraud Policy to Prevent Financial Crimes

Tashkent, Uzbekistan - November 2, 2021

IPOTEKA-BANK, a leading financial institution in Uzbekistan, has introduced an anti-fraud policy aimed at preventing and detecting fraudulent activities within the bank.

Key Elements of the Policy

Employee Responsibilities

• Avoid actions that may be considered fraudulent
• Report any suspicions or facts of fraudulent activity to the Compliance Control Department (CCD) or Internal Audit Department (IAD)
• Adhere to internal regulatory documents

Personal Liability for Employees

• Knowingly or suspected involvement in fraudulent activities will result in personal liability
• Approving transactions related to fraud, providing assistance or hiding evidence are considered violations of bank policies and procedures

Cooperation with Authorities

IPOTEKA-BANK cooperates with government authorities and counterparties to prevent and combat fraud. This includes:

• Exchanging information on fraudulent activities
• Coordinating efforts to detect and suppress fraudulent acts

Disciplinary Action

In case of confirmed fraud, the bank will take disciplinary action against employees involved, including:

• Termination of employment contracts
• Reporting materials to law enforcement agencies for criminal liability

Annual Review

The policy is reviewed annually by the Supervisory Board (SB) and Compliance Control Department to ensure its effectiveness in preventing financial crimes.

Commitment to Integrity and Transparency

“We are committed to maintaining a high level of integrity and transparency in our operations,” said [Name], CEO of IPOTEKA-BANK. “This anti-fraud policy demonstrates our dedication to preventing fraudulent activities and protecting our customers’ interests.”

The full text of the anti-fraud policy can be accessed on the bank’s website.