{"id":4076,"date":"2020-02-07T14:13:42","date_gmt":"2020-02-07T07:43:42","guid":{"rendered":"http:\/\/www.uabdev.com.mm\/?page_id=4076"},"modified":"2026-05-11T10:01:25","modified_gmt":"2026-05-11T03:31:25","slug":"code-of-ethics","status":"publish","type":"page","link":"https:\/\/www.uab.com.mm\/mm\/governance\/code-of-ethics\/","title":{"rendered":"\u1000\u103b\u1004\u103a\u1037\u101d\u1010\u103a\u1019\u103b\u102c\u1038"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4076\" class=\"elementor elementor-4076\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b92a02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b92a02\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ecd9b06\" data-id=\"ecd9b06\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39ccf50 elementor-widget elementor-widget-text-editor\" data-id=\"39ccf50\" data-element_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\t<p><span style=\"font-family: inherit; font-size: 14px;\"><span style=\"color: #111;\">About Us<\/span> \/ <a href=\"\/governance\">\u1021\u102f\u1015\u103a\u1001\u103b\u102f\u1015\u103a\u1019\u103e\u102f\u1005\u1014\u1005\u103a<\/a> \/ <span style=\"color: #39b54a;\">\u1000\u103b\u1004\u103a\u1037\u101d\u1010\u103a\u1019\u103b\u102c\u1038<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a36855 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a36855\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-834f93a\" data-id=\"834f93a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fb2ee5 elementor-widget elementor-widget-heading\" data-id=\"8fb2ee5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u1000\u103b\u1004\u103a\u1037\u101d\u1010\u103a\u1019\u103b\u102c\u1038<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-600c281 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"600c281\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-52e97f7\" data-id=\"52e97f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-024ab7a elementor-widget elementor-widget-image\" data-id=\"024ab7a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"580\" height=\"302\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;580&#39;%20height=&#39;302&#39;%20viewBox%3D&#39;0%200%20580%20302&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2020\/02\/ethics.png\" class=\"attachment-full size-full wp-image-3508\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2020\/02\/ethics.png 580w, \/wp-content\/uploads\/2020\/02\/ethics-300x156.png 300w\" data-sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bee554f\" data-id=\"bee554f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ebb57c elementor-widget elementor-widget-text-editor\" data-id=\"0ebb57c\" data-element_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\t<p>uab has developed a comprehensive Code of Ethics which provides employees and Directors with a practical set of guiding principles to help them make decisions in their day to day work. The Code embodies honesty, integrity, quality and trust, and Employees, Senior Management, Directors and Contractors are required to demonstrate these behaviours and comply with the Code whenever they are identified as representatives of uab.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3fd0ff4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fd0ff4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-992205f\" data-id=\"992205f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7dc1566 elementor-widget elementor-widget-text-editor\" data-id=\"7dc1566\" data-element_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\t<p>Enforcement of the Code of Ethics is within the purview of the Bank&#8217;s Disciplinary Committee and reporting is made periodically to the Board Risk Committee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e875c elementor-widget elementor-widget-text-editor\" data-id=\"51e875c\" data-element_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\t<p>Adherence to Code of Ethics is a term and condition of employment and the Bank will take all necessary measures to enforce it, up to and including dismissal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1a4cc33 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a4cc33\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-411407b\" data-id=\"411407b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b5e08f9 elementor-widget elementor-widget-text-editor\" data-id=\"b5e08f9\" data-element_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\t<p><strong>Reporting and processes of incidences, complaints, and breach of policy &amp; procedures<\/strong>:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b32fd7 elementor-widget elementor-widget-text-editor\" data-id=\"0b32fd7\" data-element_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\t<p>To monitor compliance, a reporting structure is in place to report incidences, complaints and breach of policy &amp; procedure as follows:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9bea38 elementor-widget elementor-widget-text-editor\" data-id=\"f9bea38\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">Compliance Officers are appointed at all branches and head office departments and their duties include the monitoring and adhering of all policies and procedures of the Bank and reporting of incidences and breaches.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a479f8 elementor-widget elementor-widget-text-editor\" data-id=\"7a479f8\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">The Bank has adopted an Incident Reporting mechanism that require the reporting of all operational incidences and breach of policy (as recommended by the Basel standards). Such reporting is required to made by Compliance Officers and Section Heads within 24 hours of the incident to the Risk &amp; Compliance Department and Operations Department at Head Office. Incidences are further escalated to the relevant Supervisors<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b54ea elementor-widget elementor-widget-text-editor\" data-id=\"b2b54ea\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">Further, the Bank was following open lines to receive complaints from Customers and Stakeholder:<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbdf061 elementor-widget elementor-widget-text-editor\" data-id=\"fbdf061\" data-element_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\t<ul><li style=\"list-style-type: none;\"><ul><li style=\"list-style-type: none;\"><ul><li><span style=\"font-size: 14px;\">Call Centre<\/span><\/li><li><span style=\"font-size: 14px;\">Email: <a style=\"color: blue;\" href=\"mailto:info@uab.com.mm\"><u>info@uab.com.mm<\/u><\/a><\/span><\/li><li><span style=\"font-size: 14px;\">Facebook messenger<\/span><\/li><li><span style=\"font-size: 14px;\">Branch counter<\/span><\/li><li><span style=\"font-size: 14px;\">Whistleblowing on <a style=\"color: blue;\" href=\"mailto:wb@uab.com.mm\"><u>wb@uab.com.mm<\/u><\/a> or by SMS on <span style=\"color: blue;\">09 \u2013 88 09 11 271<\/span><\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb0680b elementor-widget elementor-widget-text-editor\" data-id=\"eb0680b\" data-element_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\t<p style=\"padding-left: 40px;\">Each incident raised through the above will be reported through the Incident Reporting mechanism. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9016e3 elementor-widget elementor-widget-text-editor\" data-id=\"f9016e3\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">Reported incidences are escalated to the relevant Supervisors and where this involves the breach of the Code of Ethic or misconduct, the incident is handled by the Disciplinary Committee.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b69663f elementor-widget elementor-widget-text-editor\" data-id=\"b69663f\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">The reporting of all incidences is made to the Management Committee and Board Risk Committee by the Risk &amp; Compliance Department through the Bank&#8217;s Compliance Officer. The closure of all incidences reported is also monitored.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4e1d6b elementor-widget elementor-widget-text-editor\" data-id=\"c4e1d6b\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">The Internal Auditors as the 3rd Line of Defence also make independent reporting to the Board Audit Committee on compliance matters.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b437f3d elementor-widget elementor-widget-text-editor\" data-id=\"b437f3d\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">Employees are also encouraged to report incidences through open communications to their Supervisors, Heads of Departments or Human Resources Business Partners. Confidentiality and whistleblowing protection is also available to employees as described in the Bank&#8217;s Whistleblower Protection Policy.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b3d746 elementor-widget elementor-widget-text-editor\" data-id=\"5b3d746\" data-element_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\t<ul><li><span style=\"font-size: 14px;\">Over Financial Year ended 31st March 2026, disciplinary action on 13 (thirteen) cases were taken on matters resulting from incidences, complaints and infringement of the Code of Ethics and other Policies of the Bank.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85cde48 elementor-widget elementor-widget-text-editor\" data-id=\"85cde48\" data-element_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\t<p>For a copy of uab&#8217;s Code of Ethics, please click on the link below:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-234eb50 elementor-widget elementor-widget-text-editor\" data-id=\"234eb50\" data-element_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\t<p><a class=\"susdownbtn\" href=\"\/suspdf\/Responsible_Business\/Compliance\/Material_Nonpublic_Information\/Code_of_Ethics\/Code_of_Ethics_20 Feb 2023.pdf\" target=\"_blank\" rel=\"noopener\"><i class=\"fa fa-download\"><\/i> \u1000\u103b\u1004\u103a\u1037\u101d\u1010\u103a\u1019\u103b\u102c\u1038<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3fbdcbb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fbdcbb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c51c8e0\" data-id=\"c51c8e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0218b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a0218b1\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8111b8 elementor-widget elementor-widget-text-editor\" data-id=\"d8111b8\" data-element_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\t<p><span style=\"font-size: 14px;\">Continue reading our other supplemental policies and frameworks;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59c29d1 elementor-widget elementor-widget-text-editor\" data-id=\"59c29d1\" data-element_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\t<a class=\"susdownbtn\" href=\"\/governance\/governing-policies\/\" target=\"_blank\" rel=\"noopener\"><i class=\"fa fa-download\"><\/i> Governing Policies<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-851223e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"851223e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fbafdd3\" data-id=\"fbafdd3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ca7b11 elementor-widget elementor-widget-spacer\" data-id=\"8ca7b11\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>About Us \/ Governance \/ Code of Ethics Code of Ethics &#8230; <\/p>","protected":false},"author":2,"featured_media":0,"parent":3486,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4076","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Code of Ethics - uab bank<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.uab.com.mm\/mm\/governance\/code-of-ethics\/\" \/>\n<meta property=\"og:locale\" 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