Code of Ethics


Public Bank Group’s Corporate Philosophy

As a wholly-owned subsidiary of the Public Bank Group, the Bank’s corporate philosophy is aligned to the Public Bank Group’s Corporate Philosophy which sets out the following: 

The Bank Cares for …

  • Its Customers
  • Its Employees
  • Its Shareholders
  • the Community It Serves


The Bank’s philosophy is embedded in the following 5 (five) fundamental ethical principles which shall be consistently applied across the Bank.  In adhering to the highest standards, the Bank aims to build a sustainable, ethical, strong, respectable and profitable business.



  1. Competence

    Excellence is our commitment. As such, we are committed to continuous learning and improvement by developing and maintaining relevant knowledge, skills and behavior to ensure that our business activities are conducted professionally and proficiently.

  2. Integrity

    We are honest, open and transparent in all business dealings / relationships with all our stakeholders. Personal accountability and trustworthiness is central to our culture.

  3. Fairness

    We act responsibly and take actions that are fair, equitable and transparent towards all stakeholders.

  4. Confidentiality

    We respect and protect the confidentiality and sensitivity of customer’s information. There is no compromise to banking secrecy in all our dealings/relationships.

  5. Objectivity

    We do not allow bias, conflict of interest or undue influence of others to influence or override our business and professional judgement.


Reporting of Unethical Behaviour
The Bank’s Whistleblowing Policy and Procedures sets out the channels/procedures for all staff as well as third parties (such as customers, agents, vendors, contractors, suppliers, insurance companies, consultants, solicitors, valuers, repossessors, external trainers, service providers and developers) to disclose any illegal, unethical, questionable practices, improper conduct, irregularities or suspected irregularities within the Bank in a confidential manner that protects the whistleblower from any risk of reprisals.