Anonymous Whistleblowing

The main objective of JSC Silk Bank is to conduct its banking activities in accordance with the principles of integrity, fairness, and ethics, for which we have established an anonymous whistleblowing mechanism. This enables any person—whether a direct customer, an employee, or any other individual—to provide the Bank with information regarding any actual or alleged misconduct/violation committed by employees, officials, or members of senior management.

You may submit a whistleblowing report if you are aware of, or have reasonable grounds to suspect, one or more of the following types of violations:

• • Financial violations, fraud, money laundering, and/or corrupt practices;
• • Harassment or intimidation (physical or psychological);
• • Forgery, abuse of authority/official position;
• • Risks related to an individual’s health and safety (including potential risks);
• • Non-compliance or gross violation of Georgian legislation, rules and regulations, internal normative documents of the Bank, or decisions adopted by the Bank’s corporate bodies and/or officials within their authority;
• • Improper use of insider and/or confidential information;
• • Environmental harm;
• • Retaliatory actions, inappropriate or unethical conduct committed as revenge for whistleblowing or for participating in an investigation of such matters;
• • Any intentional concealment or suppression of the above-mentioned facts;
• • Any other unethical, illegal, or criminal conduct.

You can submit a whistleblowing report in various ways:

• • Via secure form: https://cutt.ly/2toCZYTm
• • By email: safeclaim@silkbank.ge

We will review your report within the shortest possible timeframe. For additional information about how Silk Bank receives and processes such reports, as well as the rights and responsibilities of whistleblowers, please refer to the Frequently Asked Questions.

We will protect your confidentiality to the fullest extent.

Frequently Asked Questions

What is the anonymous whistleblowing webpage used for?

The anonymous whistleblowing webpage is designed for any individual who possesses information or has reasonable grounds to suspect any actual or potential violation committed by any employee of the Bank, but refrains from reporting it through other channels.

How should I report information related to an incident/violation?

To provide information, you can fill out the whistleblowing form at the following link: https://cutt.ly/2toCZYTm, where: • You can select the field “I want to remain anonymous” and enter any information you wish to provide without including any personal identifying data. • You can select the field “Name and Surname”, where fields for your first name, last name, and phone number (optional) will appear for entering your identification information. • It is recommended to provide an email address so that we can contact you for additional information or to clarify the information submitted. You may provide an email address that does not contain identifying information (for example, your name or surname). • You will then see a field to indicate the specific type of incident/violation to which your report relates. • At the end of the form, there is a field “Incident Details”, which is free-text, where you can provide any information available to you. • You also have the option to attach supporting documents related to the incident, if any exist.

What other ways can I use to provide information?

To ensure the maximum protection of your confidentiality, you can send us an email from an address that does not include your name or any other identifying information, to the following email address: safeclaim@silkbank.ge.