1. Honesty and integrity
The Bank will adhere to honesty and integrity in conducting its business.

2. Compliance with laws and regulations
The Bank will conduct its business in accordance with the laws and regulations and will not assist, encourage or support any wrongful transactions or activities.

3. Use of knowledge, skills, proficiency, care and 
    conscientiousness
The Bank will use knowledge, skills, proficiency, care and conscientiousness in providing quality services to customers in a professional manner.

4. Good management and efficient and effective internal 
    control
The Bank will put in place good management systems and risk management systems, as well as efficient and effective internal controls.

5. Standards
The Bank will comply with various standards which are generally acceptable for conducting the banking business.

6. Treatment of various stakeholders
The Bank realizes the importance of providing proper treatment to various stakeholders with appropriate cooperation and mutual support, namely:

    (a) The Bank will treat its customers, counterparties or
         competitors with good understanding and cooperation.
    (b) The Bank will offer quality services to its customers with the
         principles of warm friendship and mutual support.
    (c) The Bank will safeguard shareholders’ benefits.
    (d) The Bank will encourage and support employees to develop
         their potential, knowledge and ability in performing their duties
         while supporting further development thereof.
    (e) The Bank will provide support to community activities as 
         opportunities arise and will contribute to those merit-making
         activities that benefit the public as a whole, support education
         and promote prosperity in the country.

7. Conflicts of interest
The Bank will appropriately control, safeguard or prevent cases that cause or may cause conflicts of interest in conducting its business. It will not seek any benefits that are illegal or against any regulations of relevant authorities.

8. Protection of customer’s confidentiality
The Bank will keep and safeguard confidential information of its customers with due care and will not disclose such confidential information to others unless with consent of the customers or required by the laws.

9. Communication of information of the Bank’s products or 
    services to the customers
The Bank will seek to communicate with customers so that they have a clear understanding about its products or services.

10. Offering advice to, or acting on behalf of, customers
The Bank will use reasonable care in offering any advice to or making any decision on behalf of, customer, taking each customer’s requirements into consideration.

11. Safeguarding and safekeeping of customers’
      securities or other assets
The Bank will put in place appropriate control systems in safeguarding, safekeeping and protecting securities and other assets entrusted by customers in its custody.

12. Maintenance of various assets
The Bank will maintain adequate assets and reserves as required by laws and regulations to sustain customers’ confidence. These include, for instance, the maintenance of capital funds and of liquid assets.

13. Relationships with the authorities
The Bank will establish and maintain good relationships with the authorities. It will for instance accord appropriate cooperation and comply with the authorities’ suggestions.

14. Recording of data and reporting
The Bank will ensure that all data are properly recorded and its financial reports are accurate and reliable.

15. Rendering of services and performance of duties
The Bank will keep track of new developments and various changes. The Bank will seek to develop innovative products and services to satisfy customers’ requirements while devoting the best of its ability in performing its duties.

16. Acceptance of gifts, benefits and inducements from
      customers or other parties
The Bank will not solicit, call for or accept cash, gifts or other benefits from customers or other parties, except in cases of customary practices.

17. Preservation of the Bank’s reputation
The Bank will uphold a good reputation and will refrain from engaging in any acts that may jeopardize its reputation.

18. Individual rights and outside activities
The Bank respects individual rights under the laws, and encourages and supports its personnel to participate in outside activities as long as such activities will not:

    (a) affect the Bank’s reputation and image 
    (b) prevent or obstruct the devotion of time and effort required 
         for performing one’s duties
    (c) violate the code of conduct and business ethics
    (d) cause conflicts of interest
    (e) violate laws or moral principles.