CBD Whistleblowing

Whistleblowing is the act of drawing attention to perceived wrongdoing, misconduct, or unethical activity within CBD Group.

A whistleblower is someone who discloses or attempts to disclose information   about a wrongdoing which could come in various forms such as workplace, fraud, corruption, violation of company policy, law, regulation, etc.

Whistleblowing can be reported by anyone within CBD or by anyone from outside CBD that are or have been associated with the bank in one form or another.

CBD encourages various types of misconduct or wrongdoing to be reported, some examples are:

• Insider Trading
• Unethical Conduct/Behaviour
• Conflict of Interest
• Breach of Confidentiality
• Money Laundering/Terrorist Financing
• Theft or Damage of Physical Equipment
• Theft of Data/Information/Passwords
• Fraud or Fraudulent Practices
• Bribery and Corruption
• Discrimination/Harassment and/or retaliation Against Any Employee
• Misrepresentation of the Bank’s financials and /or final positions, including unacceptable accounting/disclosure standards
• Any other potential violation of UAE law or regulations (including CBUAE, SCA, or Sharia Islamic regulations 

Whistleblowing is related to any perceived misconduct or unethical activity that is performed by an individual that adversely impacts CBD. Such misconduct can be reported in an independent manner and is treated with utmost anonymity and confidentiality.

Whistleblowing incidents can be reported using the Report a Concern Web Form

The Report a concern Web Form allows for the Whistleblower to remain completely confidential and anonymous. There may be times when CBD personnel will need to try to determine the whistleblowing reports are made in good faith, the whistleblower will be protected from retaliation.

There is information that needs to be provided by the whistleblower to help initiate an investigation that includes at a minimum:

• Type of concern.
• Brief details of incident – i.e. time, place, occurrence, activity, involved individuals, etc.
• Any evidence to help support the intended allegations.
• Any other relevant information that could help provide further clarity to successfully proceed with the investigation.

The whistleblower may be contacted for further information that may be needed during the investigation.

No, but it is important to report your concern as soon as you have enough evidence to make a good faith report. If you delay, evidence becomes stale, hampering the investigation where CBD may not be able to resolve the problem effectively.

A preliminary enquiry will be conducted to determine if a full investigation should be undertaken and by whom. Moreover, as part of the enquiry, you may be contacted for further information.

The preliminary enquiry assesses whether or not there appears to be a proper incident reported. If so, the case will be investigated. If we believe the incident does not meet the Whistleblowing criteria or is more related to a complaint, we will direct the case to the proper channels for further review and resolution.

You can provide as much factual information and evidence as possible in order to allow the investigation to proceed. You should be prepared to be contacted by related CBD personnel and provide the required information you know about the allegations to proceed with the investigation. Moreover, evidence or supporting documents may not be obtained for which you do not have a right or privilege of access.

You can contact us using the web form below:

Report a concern Web Form 

Or by visiting:

Head Office, Commercial Bank of Dubai, Al Itihad Road,  Deira Dubai UAE, P.O. Box: 2668

You generally have the right to be informed of the outcome of your disclosure and the findings of any investigation. However, any action taken against an employee as a consequence of the investigation may be personal and confidential, in which case, it cannot be disclosed.