Management
The responsibilities of the Corporate Governance Committee include
the following:
• Preparing and
submitting to the Supervisory Board for approval the bank's remuneration policy
based on the principles specified in Section 18 of the “Corporate Governance
Standards in Bank”;
• Monitoring the
remuneration process, also evaluating the efficiency of the remuneration system
together with the Risk Management Committee at least once a year;
• Submitting
proposals on the amount of remuneration to the Supervisory Board of the Bank in
accordance with Section 18 of the “Corporate Governance Standards in Bank”;
• Setting the compensation for the Corporate Secretary;
• Assessing the
implementation of key performance indicators on special category employees;
• Reviewing the
effect of internal and external events on the remuneration policy and process;
• Monitoring the Bank’s organizational and management
structure for compliance with corporate governance standards, informing the
Supervisory Board about any identified discrepancies and their causes, and
providing recommendations for addressing these issues and improving corporate
governance;
• Providing recommendations to the Supervisory Board on
the implementation of legislative changes related to corporate governance;
• Ensuring the timely and accurate disclosure of
information related to the Bank’s corporate governance to the public;
• Providing
recommendations and opinions on new and potential candidates for membership of
the Supervisory Board, the Management Board and Supervisory Board committees;
• Monitoring the
staffing of the Supervisory Board, its committees, and the Management Board;
• Establishing
criteria for the appointment, duties, and remuneration of independent members
of the Supervisory Board and Supervisory Board committees;·
Establishing criteria for the selection of an
independent external expert in accordance with the “Corporate Governance Standards in Bank” and/or the Bank's "Rules for
the Use of Independent External Expert Services by the Supervisory Board and
Its Committees" when applicable.
The responsibilities of the Risk Management Committee include the following:
• Reviewing and presenting the risk appetite statement,
risk management policy and procedures, risk limits, and any changes to these to
the Supervisory Board for approval;
• Providing the Supervisory Board with proposals on the
Bank’s current and future risk appetite and indicators for adherence to risk
appetite for various types of risks;
• Reviewing the Bank’s risk management policy at least
once a year;
• Ensuring the existence of procedures that align the
Bank’s activities with its risk management policy and overseeing the
application of the risk appetite statement by the Executive Board;
• Submitting report to the Supervisory Board on the
state of the Bank’s risk culture and deviations from the risk management policy
and risk limits;
• Collaborating with and overseeing the Chief Risk
Officer’s activities;
• Monitoring the Bank’s adherence to capital and
liquidity management targets, as well as the alignment of all risk types,
including credit, market, operational, reputational, and other risks, with the
Bank’s risk appetite;
• Obtaining reports from the Chief Risk Officer and
relevant departments on the Bank’s current risk profile, risk culture, use of
risk appetite and limits, instances of limit breaches, and risk mitigation
measures;
• Ensuring the Bank’s compliance with legislation, legal
acts regulating financial markets, and internal regulations;
• Presenting recommendations to the Supervisory Board
regarding the appointment of heads of departments responsible for risk
management and compliance functions;
• Preventing specific risks in the risk management
process, minimize risks, accept certain risks, transfer risks, update risks as
needed, and provide recommendations and/or proposals for decisions when
required;
• Incorporating effective tools for risk monitoring and
mitigation into the Bank’s structure and operational processes;
• Providing recommendations for creating an
organizational structure to avoid conflicts of interest, gaps in risk
oversight, and duplication of functions;
• Overseeing the preparation, development, and
implementation of detailed reports on the Bank’s significant strategic issues
and decisions, based on an effective risk management program within the risk
profile framework;
• Ensuring the proper organization of information flow
exchanges within internal committees;
• Developing recommendations for the Supervisory Board
and the Management Board based on information received from other internal
committees and the Bank’s Risk Management Department (hereafter referred to as
the "Department");
• Issuing directives to the Department on risk
management, receive monthly reports on work done and identified risk profiles,
review them in Committee meetings, obtain proposals related to required
matters, and oversee current activities;
• Reviewing and presenting the Bank’s risk management
strategy, policy, and procedures, including any changes and additions, to the
Supervisory Board for approval;
• Providing timely, accurate, and precise information
and reports to the Supervisory Board and the Management Board regarding the
evaluation of the Department’s work and the state of risk management in the
Bank;
• Facilitating an open communication channel among
members of the Supervisory Board, the Management Board, and the Department to
enhance the effectiveness of risk management;
• Reviewing and presenting the emergency response plan
together with the Management Board to the Supervisory Board;
• Preparing and presenting a report to the Supervisory
Board on the status of risks faced by the Bank and the effectiveness of the
risk management system;
• Monitoring the alignment of accepted risks with the
Bank’s risk management strategy;
• Developing recommendations for
improving the risk management system and present them to the Supervisory Board.
The
responsibilities of the Audit Committee include the following:
• Defining the audit policy and strategy of the Bank;
• Approving the annual internal audit plans (Plan) and
overseeing the internal audit department’s activities. The Plan must be
sufficient to ensure the internal audit function’s activities and adaptable to
potential changes in the Bank’s risk profile;
• Implementing necessary measures for internal audit
checks not included in the approved internal audit plan based on decisions of
the General Shareholders’ Meeting, Supervisory Board, or requests from
shareholders owning more than ten percent of the Bank’s common shares, the Management
Board, or the Central Bank;
• Approving internal corporate documents related to the
functional and methodological aspects of the Internal Audit Department
(hereafter referred to as “IAD”);
• Proposing the appointment of external auditors to the
competent management authorities of the Bank;
• Organizing work with external auditors and assist in
implementing audit results and recommendations;
• Establishing communication with external auditors and
supervisory authorities;
• Providing proposals to the General Shareholders’
Meeting and the Supervisory Board on improving internal control and risk
management systems;
• Overseeing the transparency and completeness of the
Bank’s financial statements and ensuring compliance with legislation and the “Corporate
Governance Standards in Bank”, including monitoring the preparation and
outcomes of annual and interim financial statements;
• Identifying areas of high financial risk and ensure
their effective management by the Bank’s Management Board;
• Reviewing legal issues that may significantly impact financial
statements and providing recommendations;
• Obtaining necessary information (documents) from the
Bank’s structural units, governmental bodies, public legal entities, local
self-government bodies, and non-governmental organizations as required by
legislation and the Committee’s functions;
• Participating in forming policies for various
directions of the Bank’s operations and providing recommendations for
implementing these policies;
• Overseeing the improvement of the Bank’s accounting
policy;
• Ensuring timely and adequate responses to breaches and
fraud, and discussing results of inspections conducted by the Central Bank of
the Republic of Azerbaijan;
• Performing other powers as outlined by existing
legislation, the "Law on Banks," " Law on Internal Audit,"
the normative acts of the Central Bank of the Republic of Azerbaijan, and other
internal corporate acts.
The
responsibilities of the Major Information Technology Committee include the following:
• Developing and approving a long-term IT strategy
aligned with the Bank’s business goals;
• Ensuring the IT strategy complies with legislation and
legal requirements;
• Approving IT projects and initiatives, and ensuring
their timely and budget-compliant implementation;
• Managing the inventory of software licenses and
ensuring their effective use;
• Collaborating with other departments to provide
technological support and implement new systems, and advising other committees
and departments on IT-related issues;
• Overseeing
technology-related expenses and investments to ensure they align with the
approved budget;
• Approving
the IT structure and managing the efficient allocation of resources, including
personnel, equipment, and software, to projects and operational activities;
• Engaging,
developing, and retaining qualified IT professionals to support the Bank’s IT
infrastructure and applications;
• Identifying, assessing, and mitigating
system failures, data loss, service interruptions, and other IT-related
operational risks;
• Overseeing
information security management, including the development and implementation
of security policies and incident response procedures;
• Conducting
regular audits and assessments to enhance the effectiveness and economic
efficiency of information security measures and identify potential
vulnerabilities;
• Implementing
robust cybersecurity measures to protect against cyber threats, data breaches,
and fraud;
• Measuring
IT effectiveness using metrics such as ROI, cost-benefit analysis, and
performance evaluation;
• Defining
and managing service level agreements (SLAs) to ensure IT services meet
specified performance and reliability standards;
• Analyzing
the use of existing resources and identify new resources to maximize
performance and service quality
Supervisory Board
Audit Committee
The executive board
Supervisory Board Committees
The responsibilities of the Corporate Governance Committee include
the following:
• Preparing and
submitting to the Supervisory Board for approval the bank's remuneration policy
based on the principles specified in Section 18 of the “Corporate Governance
Standards in Bank”;
• Monitoring the
remuneration process, also evaluating the efficiency of the remuneration system
together with the Risk Management Committee at least once a year;
• Submitting
proposals on the amount of remuneration to the Supervisory Board of the Bank in
accordance with Section 18 of the “Corporate Governance Standards in Bank”;
• Setting the compensation for the Corporate Secretary;
• Assessing the
implementation of key performance indicators on special category employees;
• Reviewing the
effect of internal and external events on the remuneration policy and process;
• Monitoring the Bank’s organizational and management
structure for compliance with corporate governance standards, informing the
Supervisory Board about any identified discrepancies and their causes, and
providing recommendations for addressing these issues and improving corporate
governance;
• Providing recommendations to the Supervisory Board on
the implementation of legislative changes related to corporate governance;
• Ensuring the timely and accurate disclosure of
information related to the Bank’s corporate governance to the public;
• Providing
recommendations and opinions on new and potential candidates for membership of
the Supervisory Board, the Management Board and Supervisory Board committees;
• Monitoring the
staffing of the Supervisory Board, its committees, and the Management Board;
• Establishing
criteria for the appointment, duties, and remuneration of independent members
of the Supervisory Board and Supervisory Board committees;·
Establishing criteria for the selection of an
independent external expert in accordance with the “Corporate Governance Standards in Bank” and/or the Bank's "Rules for
the Use of Independent External Expert Services by the Supervisory Board and
Its Committees" when applicable.
The responsibilities of the Risk Management Committee include the following:
• Reviewing and presenting the risk appetite statement,
risk management policy and procedures, risk limits, and any changes to these to
the Supervisory Board for approval;
• Providing the Supervisory Board with proposals on the
Bank’s current and future risk appetite and indicators for adherence to risk
appetite for various types of risks;
• Reviewing the Bank’s risk management policy at least
once a year;
• Ensuring the existence of procedures that align the
Bank’s activities with its risk management policy and overseeing the
application of the risk appetite statement by the Executive Board;
• Submitting report to the Supervisory Board on the
state of the Bank’s risk culture and deviations from the risk management policy
and risk limits;
• Collaborating with and overseeing the Chief Risk
Officer’s activities;
• Monitoring the Bank’s adherence to capital and
liquidity management targets, as well as the alignment of all risk types,
including credit, market, operational, reputational, and other risks, with the
Bank’s risk appetite;
• Obtaining reports from the Chief Risk Officer and
relevant departments on the Bank’s current risk profile, risk culture, use of
risk appetite and limits, instances of limit breaches, and risk mitigation
measures;
• Ensuring the Bank’s compliance with legislation, legal
acts regulating financial markets, and internal regulations;
• Presenting recommendations to the Supervisory Board
regarding the appointment of heads of departments responsible for risk
management and compliance functions;
• Preventing specific risks in the risk management
process, minimize risks, accept certain risks, transfer risks, update risks as
needed, and provide recommendations and/or proposals for decisions when
required;
• Incorporating effective tools for risk monitoring and
mitigation into the Bank’s structure and operational processes;
• Providing recommendations for creating an
organizational structure to avoid conflicts of interest, gaps in risk
oversight, and duplication of functions;
• Overseeing the preparation, development, and
implementation of detailed reports on the Bank’s significant strategic issues
and decisions, based on an effective risk management program within the risk
profile framework;
• Ensuring the proper organization of information flow
exchanges within internal committees;
• Developing recommendations for the Supervisory Board
and the Management Board based on information received from other internal
committees and the Bank’s Risk Management Department (hereafter referred to as
the "Department");
• Issuing directives to the Department on risk
management, receive monthly reports on work done and identified risk profiles,
review them in Committee meetings, obtain proposals related to required
matters, and oversee current activities;
• Reviewing and presenting the Bank’s risk management
strategy, policy, and procedures, including any changes and additions, to the
Supervisory Board for approval;
• Providing timely, accurate, and precise information
and reports to the Supervisory Board and the Management Board regarding the
evaluation of the Department’s work and the state of risk management in the
Bank;
• Facilitating an open communication channel among
members of the Supervisory Board, the Management Board, and the Department to
enhance the effectiveness of risk management;
• Reviewing and presenting the emergency response plan
together with the Management Board to the Supervisory Board;
• Preparing and presenting a report to the Supervisory
Board on the status of risks faced by the Bank and the effectiveness of the
risk management system;
• Monitoring the alignment of accepted risks with the
Bank’s risk management strategy;
• Developing recommendations for
improving the risk management system and present them to the Supervisory Board.
The
responsibilities of the Audit Committee include the following:
• Defining the audit policy and strategy of the Bank;
• Approving the annual internal audit plans (Plan) and
overseeing the internal audit department’s activities. The Plan must be
sufficient to ensure the internal audit function’s activities and adaptable to
potential changes in the Bank’s risk profile;
• Implementing necessary measures for internal audit
checks not included in the approved internal audit plan based on decisions of
the General Shareholders’ Meeting, Supervisory Board, or requests from
shareholders owning more than ten percent of the Bank’s common shares, the Management
Board, or the Central Bank;
• Approving internal corporate documents related to the
functional and methodological aspects of the Internal Audit Department
(hereafter referred to as “IAD”);
• Proposing the appointment of external auditors to the
competent management authorities of the Bank;
• Organizing work with external auditors and assist in
implementing audit results and recommendations;
• Establishing communication with external auditors and
supervisory authorities;
• Providing proposals to the General Shareholders’
Meeting and the Supervisory Board on improving internal control and risk
management systems;
• Overseeing the transparency and completeness of the
Bank’s financial statements and ensuring compliance with legislation and the “Corporate
Governance Standards in Bank”, including monitoring the preparation and
outcomes of annual and interim financial statements;
• Identifying areas of high financial risk and ensure
their effective management by the Bank’s Management Board;
• Reviewing legal issues that may significantly impact financial
statements and providing recommendations;
• Obtaining necessary information (documents) from the
Bank’s structural units, governmental bodies, public legal entities, local
self-government bodies, and non-governmental organizations as required by
legislation and the Committee’s functions;
• Participating in forming policies for various
directions of the Bank’s operations and providing recommendations for
implementing these policies;
• Overseeing the improvement of the Bank’s accounting
policy;
• Ensuring timely and adequate responses to breaches and
fraud, and discussing results of inspections conducted by the Central Bank of
the Republic of Azerbaijan;
• Performing other powers as outlined by existing
legislation, the "Law on Banks," " Law on Internal Audit,"
the normative acts of the Central Bank of the Republic of Azerbaijan, and other
internal corporate acts.
The
responsibilities of the Major Information Technology Committee include the following:
• Developing and approving a long-term IT strategy
aligned with the Bank’s business goals;
• Ensuring the IT strategy complies with legislation and
legal requirements;
• Approving IT projects and initiatives, and ensuring
their timely and budget-compliant implementation;
• Managing the inventory of software licenses and
ensuring their effective use;
• Collaborating with other departments to provide
technological support and implement new systems, and advising other committees
and departments on IT-related issues;
• Overseeing
technology-related expenses and investments to ensure they align with the
approved budget;
• Approving
the IT structure and managing the efficient allocation of resources, including
personnel, equipment, and software, to projects and operational activities;
• Engaging,
developing, and retaining qualified IT professionals to support the Bank’s IT
infrastructure and applications;
• Identifying, assessing, and mitigating
system failures, data loss, service interruptions, and other IT-related
operational risks;
• Overseeing
information security management, including the development and implementation
of security policies and incident response procedures;
• Conducting
regular audits and assessments to enhance the effectiveness and economic
efficiency of information security measures and identify potential
vulnerabilities;
• Implementing
robust cybersecurity measures to protect against cyber threats, data breaches,
and fraud;
• Measuring
IT effectiveness using metrics such as ROI, cost-benefit analysis, and
performance evaluation;
• Defining
and managing service level agreements (SLAs) to ensure IT services meet
specified performance and reliability standards;
• Analyzing
the use of existing resources and identify new resources to maximize
performance and service quality
Supervisory Board
Audit Committee
Executive Board
Supervisory Board Committees
The responsibilities of the Corporate Governance Committee include
the following:
• Preparing and
submitting to the Supervisory Board for approval the bank's remuneration policy
based on the principles specified in Section 18 of the “Corporate Governance
Standards in Bank”;
• Monitoring the
remuneration process, also evaluating the efficiency of the remuneration system
together with the Risk Management Committee at least once a year;
• Submitting
proposals on the amount of remuneration to the Supervisory Board of the Bank in
accordance with Section 18 of the “Corporate Governance Standards in Bank”;
• Setting the compensation for the Corporate Secretary;
• Assessing the
implementation of key performance indicators on special category employees;
• Reviewing the
effect of internal and external events on the remuneration policy and process;
• Monitoring the Bank’s organizational and management
structure for compliance with corporate governance standards, informing the
Supervisory Board about any identified discrepancies and their causes, and
providing recommendations for addressing these issues and improving corporate
governance;
• Providing recommendations to the Supervisory Board on
the implementation of legislative changes related to corporate governance;
• Ensuring the timely and accurate disclosure of
information related to the Bank’s corporate governance to the public;
• Providing
recommendations and opinions on new and potential candidates for membership of
the Supervisory Board, the Management Board and Supervisory Board committees;
• Monitoring the
staffing of the Supervisory Board, its committees, and the Management Board;
• Establishing
criteria for the appointment, duties, and remuneration of independent members
of the Supervisory Board and Supervisory Board committees;·
Establishing criteria for the selection of an
independent external expert in accordance with the “Corporate Governance Standards in Bank” and/or the Bank's "Rules for
the Use of Independent External Expert Services by the Supervisory Board and
Its Committees" when applicable.
The responsibilities of the Risk Management Committee include the following:
• Reviewing and presenting the risk appetite statement,
risk management policy and procedures, risk limits, and any changes to these to
the Supervisory Board for approval;
• Providing the Supervisory Board with proposals on the
Bank’s current and future risk appetite and indicators for adherence to risk
appetite for various types of risks;
• Reviewing the Bank’s risk management policy at least
once a year;
• Ensuring the existence of procedures that align the
Bank’s activities with its risk management policy and overseeing the
application of the risk appetite statement by the Executive Board;
• Submitting report to the Supervisory Board on the
state of the Bank’s risk culture and deviations from the risk management policy
and risk limits;
• Collaborating with and overseeing the Chief Risk
Officer’s activities;
• Monitoring the Bank’s adherence to capital and
liquidity management targets, as well as the alignment of all risk types,
including credit, market, operational, reputational, and other risks, with the
Bank’s risk appetite;
• Obtaining reports from the Chief Risk Officer and
relevant departments on the Bank’s current risk profile, risk culture, use of
risk appetite and limits, instances of limit breaches, and risk mitigation
measures;
• Ensuring the Bank’s compliance with legislation, legal
acts regulating financial markets, and internal regulations;
• Presenting recommendations to the Supervisory Board
regarding the appointment of heads of departments responsible for risk
management and compliance functions;
• Preventing specific risks in the risk management
process, minimize risks, accept certain risks, transfer risks, update risks as
needed, and provide recommendations and/or proposals for decisions when
required;
• Incorporating effective tools for risk monitoring and
mitigation into the Bank’s structure and operational processes;
• Providing recommendations for creating an
organizational structure to avoid conflicts of interest, gaps in risk
oversight, and duplication of functions;
• Overseeing the preparation, development, and
implementation of detailed reports on the Bank’s significant strategic issues
and decisions, based on an effective risk management program within the risk
profile framework;
• Ensuring the proper organization of information flow
exchanges within internal committees;
• Developing recommendations for the Supervisory Board
and the Management Board based on information received from other internal
committees and the Bank’s Risk Management Department (hereafter referred to as
the "Department");
• Issuing directives to the Department on risk
management, receive monthly reports on work done and identified risk profiles,
review them in Committee meetings, obtain proposals related to required
matters, and oversee current activities;
• Reviewing and presenting the Bank’s risk management
strategy, policy, and procedures, including any changes and additions, to the
Supervisory Board for approval;
• Providing timely, accurate, and precise information
and reports to the Supervisory Board and the Management Board regarding the
evaluation of the Department’s work and the state of risk management in the
Bank;
• Facilitating an open communication channel among
members of the Supervisory Board, the Management Board, and the Department to
enhance the effectiveness of risk management;
• Reviewing and presenting the emergency response plan
together with the Management Board to the Supervisory Board;
• Preparing and presenting a report to the Supervisory
Board on the status of risks faced by the Bank and the effectiveness of the
risk management system;
• Monitoring the alignment of accepted risks with the
Bank’s risk management strategy;
• Developing recommendations for
improving the risk management system and present them to the Supervisory Board.
The
responsibilities of the Audit Committee include the following:
• Defining the audit policy and strategy of the Bank;
• Approving the annual internal audit plans (Plan) and
overseeing the internal audit department’s activities. The Plan must be
sufficient to ensure the internal audit function’s activities and adaptable to
potential changes in the Bank’s risk profile;
• Implementing necessary measures for internal audit
checks not included in the approved internal audit plan based on decisions of
the General Shareholders’ Meeting, Supervisory Board, or requests from
shareholders owning more than ten percent of the Bank’s common shares, the Management
Board, or the Central Bank;
• Approving internal corporate documents related to the
functional and methodological aspects of the Internal Audit Department
(hereafter referred to as “IAD”);
• Proposing the appointment of external auditors to the
competent management authorities of the Bank;
• Organizing work with external auditors and assist in
implementing audit results and recommendations;
• Establishing communication with external auditors and
supervisory authorities;
• Providing proposals to the General Shareholders’
Meeting and the Supervisory Board on improving internal control and risk
management systems;
• Overseeing the transparency and completeness of the
Bank’s financial statements and ensuring compliance with legislation and the “Corporate
Governance Standards in Bank”, including monitoring the preparation and
outcomes of annual and interim financial statements;
• Identifying areas of high financial risk and ensure
their effective management by the Bank’s Management Board;
• Reviewing legal issues that may significantly impact financial
statements and providing recommendations;
• Obtaining necessary information (documents) from the
Bank’s structural units, governmental bodies, public legal entities, local
self-government bodies, and non-governmental organizations as required by
legislation and the Committee’s functions;
• Participating in forming policies for various
directions of the Bank’s operations and providing recommendations for
implementing these policies;
• Overseeing the improvement of the Bank’s accounting
policy;
• Ensuring timely and adequate responses to breaches and
fraud, and discussing results of inspections conducted by the Central Bank of
the Republic of Azerbaijan;
• Performing other powers as outlined by existing
legislation, the "Law on Banks," " Law on Internal Audit,"
the normative acts of the Central Bank of the Republic of Azerbaijan, and other
internal corporate acts.
The
responsibilities of the Major Information Technology Committee include the following:
• Developing and approving a long-term IT strategy
aligned with the Bank’s business goals;
• Ensuring the IT strategy complies with legislation and
legal requirements;
• Approving IT projects and initiatives, and ensuring
their timely and budget-compliant implementation;
• Managing the inventory of software licenses and
ensuring their effective use;
• Collaborating with other departments to provide
technological support and implement new systems, and advising other committees
and departments on IT-related issues;
• Overseeing
technology-related expenses and investments to ensure they align with the
approved budget;
• Approving
the IT structure and managing the efficient allocation of resources, including
personnel, equipment, and software, to projects and operational activities;
• Engaging,
developing, and retaining qualified IT professionals to support the Bank’s IT
infrastructure and applications;
• Identifying, assessing, and mitigating
system failures, data loss, service interruptions, and other IT-related
operational risks;
• Overseeing
information security management, including the development and implementation
of security policies and incident response procedures;
• Conducting
regular audits and assessments to enhance the effectiveness and economic
efficiency of information security measures and identify potential
vulnerabilities;
• Implementing
robust cybersecurity measures to protect against cyber threats, data breaches,
and fraud;
• Measuring
IT effectiveness using metrics such as ROI, cost-benefit analysis, and
performance evaluation;
• Defining
and managing service level agreements (SLAs) to ensure IT services meet
specified performance and reliability standards;
• Analyzing
the use of existing resources and identify new resources to maximize
performance and service quality
Correspondent accounts
AZN:
Central Bank of the Azerbaijan Republic
AZ46NABZ01350100000000015944 account
S.W.I.F.T.: NABZAZ2С MFO 505754 TAX 1300017201
USD:
8901633615 account,
Bank of New York Mellon, New York, the United States of America
S.W.I.F.T.: IRVTUS3N
EUR:
001012924160 account,
Societe Generale Bank (France)
France, Paris S.W.I.F.T.: SOGEFRPP
400887002400 EUR account,
Commerzbank AG, Germany, Frankfurt
S.W.I.F.T.: COBADEFF
GBP:400887002400 GBP account,
Commerzbank AG, Germany, Frankfurt
S.W.I.F.T.: COBADEFF
RUR:30111810900000077826
счёт
AO
Азиатско-Тихоокеанский Бaнк, Российская Федерация,
г.
Благовещенск, S.W.I.F.T.: ASANRU8X
GEL:
GE91BG0000000205049800 account,
BANK OF GEORGIA, Tbilisi, Georgia
S.W.I.F.T.: BAGAGE22
AZN:
Central Bank of the Azerbaijan Republic
AZ46NABZ01350100000000015944 account
S.W.I.F.T.: NABZAZ2С MFO 505754 TAX 1300017201
USD:
8901633615 account,
Bank of New York Mellon, New York, the United States of America
S.W.I.F.T.: IRVTUS3N
EUR:
001012924160 account,
Societe Generale Bank (France)
France, Paris S.W.I.F.T.: SOGEFRPP
400887002400 EUR account,
Commerzbank AG, Germany, Frankfurt
S.W.I.F.T.: COBADEFF
GBP:400887002400 GBP account,
Commerzbank AG, Germany, Frankfurt
S.W.I.F.T.: COBADEFF
RUR:30111810900000077826
счёт
AO
Азиатско-Тихоокеанский Бaнк, Российская Федерация,
г.
Благовещенск, S.W.I.F.T.: ASANRU8X
GEL:
GE91BG0000000205049800 account,
BANK OF GEORGIA, Tbilisi, Georgia
S.W.I.F.T.: BAGAGE22
Suggestions and complaints
A BRIEF OVERVIEW OF THE INTERNAL PROCEDURE FOR DEALİNG WITH REQUESTS AND RESPONSE TO THEM
The Department of Appeals and Complaints (hereinafter referred to as the “department”) should provide maximum access to consumer complaints and should not restrict the ways of requests.
In order to consider and respond to consumer complaints, the consumer must provide the bank with the following information about himself and the subject of the complaint.
- Name, surname and patronymic of the consumer
- Contact phone (e-mail)
- Date of birth
- The address
- Content of the request
The consumer can send an appeal to the bank in oral, written and electronic form.
The consumer can send his request orally, in writing to the employees of the special structural unit for consumer protection in the central office, to the Call Center hotline, as well as by registering his written application (proposal or complaint) in the relevant branches of the bank and sending it to the central office of the bank. In addition, you can submit an electronic application via the section located in the relevant part of our website.
Each consumer applying in a electronic form is given a corresponding code via a centralized database to know the status of the application.
The consumer can find out about the status of the request by writing his code in the appropriate section of the special section on our website.
Registered requests are stored in the registration database for at least 5 years. The consolidated registration register is posted in the "applications" section, which is formed on the bank's website every six months and stored in this section for at least 3 years. Summary information should be disclosed to them only at the request of the consumer.
If consumers do not agree with the reaction of the credit institution to their appeals, they can apply to the Central Bank, including the court, to restore their rights.
The bank must respond to consumer requests no later than 15 working days, if additional consideration of requests is necessary, the response time may be extended up to 30 working days.
To submit a request, each consumer can receive the bank's e-mail address, the short number of the Call Center hotline, via contracts concluded with him, information and advertising media of the bank, via the Internet. A special structural unit for consumer protection maintains a report according to the following criteria:
· Information about consumers;
· Quantity, character and reasons for appeals;
· Distribution of requests by products and services;
· Distribution of the number of complaints satisfied by the consumer, the number of complaints unfounded by the consumer or the number of complaints sent to other relevant divisions;
· The number of compensated appeals and the amount of compensation.
Reports on the above criteria are discussed by the Supervisory Board in the form of a comparative analysis of data with previous periods and an appropriate decision is made.
İNTERNAL PROCEDURES FOR CONSİDERATİON OF REQUESTS AND RESPONSES TO THEM
Have questions or complaints? Call or write to
official pages of Unibank in social networks:
https://www.facebook.com/unibank.az, https://instagram.com/unibank.az
Hotline: 117 ext. 3
Postal address of the service: Baku, AZ1022, st.
Rashid Behbudov, 55
Contact information of the Central Bank of the
Republic of Azerbaijan:
Address: AZ1014, Republic of Azerbaijan, Baku, st. R. Behbudov, 90
Tel.: (+994 12) 966;
(+99412) 493-50-58
Fax (+994 12) 493
5541
Website: www.cbar.az
A BRIEF OVERVIEW OF THE INTERNAL PROCEDURE FOR DEALİNG WITH REQUESTS AND RESPONSE TO THEM
The Department of Appeals and Complaints (hereinafter referred to as the “department”) should provide maximum access to consumer complaints and should not restrict the ways of requests.
In order to consider and respond to consumer complaints, the consumer must provide the bank with the following information about himself and the subject of the complaint.
- Name, surname and patronymic of the consumer
- Contact phone (e-mail)
- Date of birth
- The address
- Content of the request
The consumer can send an appeal to the bank in oral, written and electronic form.
The consumer can send his request orally, in writing to the employees of the special structural unit for consumer protection in the central office, to the Call Center hotline, as well as by registering his written application (proposal or complaint) in the relevant branches of the bank and sending it to the central office of the bank. In addition, you can submit an electronic application via the section located in the relevant part of our website.
Each consumer applying in a electronic form is given a corresponding code via a centralized database to know the status of the application.
The consumer can find out about the status of the request by writing his code in the appropriate section of the special section on our website.
Registered requests are stored in the registration database for at least 5 years. The consolidated registration register is posted in the "applications" section, which is formed on the bank's website every six months and stored in this section for at least 3 years. Summary information should be disclosed to them only at the request of the consumer.
If consumers do not agree with the reaction of the credit institution to their appeals, they can apply to the Central Bank, including the court, to restore their rights.
The bank must respond to consumer requests no later than 15 working days, if additional consideration of requests is necessary, the response time may be extended up to 30 working days.
To submit a request, each consumer can receive the bank's e-mail address, the short number of the Call Center hotline, via contracts concluded with him, information and advertising media of the bank, via the Internet. A special structural unit for consumer protection maintains a report according to the following criteria:
· Information about consumers;
· Quantity, character and reasons for appeals;
· Distribution of requests by products and services;
· Distribution of the number of complaints satisfied by the consumer, the number of complaints unfounded by the consumer or the number of complaints sent to other relevant divisions;
· The number of compensated appeals and the amount of compensation.
Reports on the above criteria are discussed by the Supervisory Board in the form of a comparative analysis of data with previous periods and an appropriate decision is made.
İNTERNAL PROCEDURES FOR CONSİDERATİON OF REQUESTS AND RESPONSES TO THEM
Have questions or complaints? Call or write to
official pages of Unibank in social networks:
https://www.facebook.com/unibank.az, https://instagram.com/unibank.az
Hotline: 117 ext. 3
Postal address of the service: Baku, AZ1022, st.
Rashid Behbudov, 55
Contact information of the Central Bank of the
Republic of Azerbaijan:
Address: AZ1014, Republic of Azerbaijan, Baku, st. R. Behbudov, 90
Tel.: (+994 12) 966;
(+99412) 493-50-58
Fax (+994 12) 493
5541
Website: www.cbar.az
Human resources
If you want to build a career in the
banking sector and If you believe in yourself and in your strength, then
Unibank offers you to make your choice.
The interview process varies depending on the position.
Before you receive an invitation to an interview, you must pass an exam
consisting of one or two stages. If you fit our profile, depending on your
position, you will be invited to numerical or situational tests (online). After
passing through the first stages, you will receive an invitation to an
interview at the head office of Unibank. During the interview, you should pay
attention to the points listed below.
General
If you want to build a career in the
banking sector and If you believe in yourself and in your strength, then
Unibank offers you to make your choice.
The interview process
The interview process varies depending on the position.
Before you receive an invitation to an interview, you must pass an exam
consisting of one or two stages. If you fit our profile, depending on your
position, you will be invited to numerical or situational tests (online). After
passing through the first stages, you will receive an invitation to an
interview at the head office of Unibank. During the interview, you should pay
attention to the points listed below.
General info
If you want to build a career in the
banking sector and If you believe in yourself and in your strength, then
Unibank offers you to make your choice.
The interview process
The interview process varies depending on the position.
Before you receive an invitation to an interview, you must pass an exam
consisting of one or two stages. If you fit our profile, depending on your
position, you will be invited to numerical or situational tests (online). After
passing through the first stages, you will receive an invitation to an
interview at the head office of Unibank. During the interview, you should pay
attention to the points listed below.
Reports
Other documents
Capital:
The authorized capital of
"Unibank" CB OJSC is 138, 200, 392.96 manats which is formed by issuing and placing shares is
disclosed as following:
State Registration Number | Type and Form | Nominal Value | The total quantity and percentage of shares | Placed (share) |
AZ1003002024 | Ordinary registered shares with voting rights | 2,72 manat (AZN) | 50808968 (100%) | 50808968 (100%) |
The National Depository Center acts as the depository account
holder of the bank's shares and as the keeper of the register of shares.
Currently, there are 7
individuals among the shareholders of "Unibank" CB OJSC, who are residents of the
Republic of Azerbaijan, and the largest block of shares (94.0763%) belongs to
Garibov Eldar Mahmud.
Unibank Commercial Bank Open Joint-Stock Company sets the general rules of internal control to discourage legalization of criminal proceeds and finance of terrorism (AML/CFT) with its main purpose being to create an ML/FT-excluding situation in the Bank through establishing and implementing the internal control.
Share capital
Capital:
The authorized capital of
"Unibank" CB OJSC is 138, 200, 392.96 manats which is formed by issuing and placing shares is
disclosed as following:
State Registration Number | Type and Form | Nominal Value | The total quantity and percentage of shares | Placed (share) |
AZ1003002024 | Ordinary registered shares with voting rights | 2,72 manat (AZN) | 50808968 (100%) | 50808968 (100%) |
The National Depository Center acts as the depository account
holder of the bank's shares and as the keeper of the register of shares.
Currently, there are 7
individuals among the shareholders of "Unibank" CB OJSC, who are residents of the
Republic of Azerbaijan, and the largest block of shares (94.0763%) belongs to
Garibov Eldar Mahmud.
Insider trading
Investment and Securities
AML
Unibank Commercial Bank Open Joint-Stock Company sets the general rules of internal control to discourage legalization of criminal proceeds and finance of terrorism (AML/CFT) with its main purpose being to create an ML/FT-excluding situation in the Bank through establishing and implementing the internal control.
Other
Offer/Loan
Offer/Operation
Offer/Salary
Oferta/UCard
Offer/Legal entities and entrepreneurs
Tariffs (archive)
Share capital
Capital:
The authorized capital of
"Unibank" CB OJSC is 138, 200, 392.96 manats which is formed by issuing and placing shares is
disclosed as following:
State Registration Number | Type and Form | Nominal Value | The total quantity and percentage of shares | Placed (share) |
AZ1003002024 | Ordinary registered shares with voting rights | 2,72 manat (AZN) | 50808968 (100%) | 50808968 (100%) |
The National Depository Center acts as the depository account
holder of the bank's shares and as the keeper of the register of shares.
Currently, there are 7
individuals among the shareholders of "Unibank" CB OJSC, who are residents of the
Republic of Azerbaijan, and the largest block of shares (94.0763%) belongs to
Garibov Eldar Mahmud.
Insider trading
Investment and Securities
Compliance/AML
Unibank Commercial Bank Open Joint-Stock Company sets the general rules of internal control to discourage legalization of criminal proceeds and finance of terrorism (AML/CFT) with its main purpose being to create an ML/FT-excluding situation in the Bank through establishing and implementing the internal control.
Offer/Loan
Offer/Operation
Offer/Salary
Oferta/UCard
Offer/Legal entities and entrepreneurs
Tariffs (archive)