Zgodność i informacje regulacyjne

1. Our Compliance Commitment

Inwestycja Bank Polski is committed to maintaining the highest standards of regulatory compliance, ethical conduct, and risk management. We operate under strict regulatory oversight and adhere to all applicable laws, regulations, and industry best practices.

Our compliance framework ensures the integrity of our operations, protects our customers, and maintains the stability and reputation of the financial system.

2. Regulatory Framework

2.1 Primary Regulators

We are regulated and supervised by:

• Central Bank and Financial Services Authority
• Financial Conduct Authority
• Anti-Money Laundering Authority
• Data Protection Authority

2.2 Key Regulations

We comply with:

• Banking Act and prudential regulations
• Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) laws
• Know Your Customer (KYC) requirements
• Consumer protection regulations
• Data protection and privacy laws (GDPR, local data protection acts)
• Sanctions and embargo regulations
• Market conduct and fair dealing rules

3. Anti-Money Laundering (AML)

3.1 AML Program

Our comprehensive AML program includes:

• Customer due diligence and enhanced due diligence for high-risk customers
• Ongoing monitoring of customer transactions and relationships
• Suspicious activity detection and reporting
• Sanctions screening against international watchlists
• Politically Exposed Persons (PEP) screening
• Regular AML training for all staff
• Independent AML audits and assessments

3.2 Customer Identification

We are required by law to verify the identity of all customers. This includes collecting and verifying:

• Government-issued identification documents
• Proof of address
• Source of funds documentation
• Business registration documents (for corporate accounts)
• Beneficial ownership information

We may request additional documentation at any time to comply with regulatory requirements.

4. Sanctions Compliance

We strictly comply with all applicable sanctions and embargo regulations, including:

• United Nations Security Council sanctions
• European Union sanctions
• National sanctions regimes
• Office of Foreign Assets Control (OFAC) sanctions (where applicable)

We screen all customers, transactions, and business relationships against sanctions lists. We will not process transactions involving sanctioned individuals, entities, or countries.

5. Data Protection and Privacy

We comply with all applicable data protection laws, including:

• General Data Protection Regulation (GDPR)
• Local data protection legislation
• Banking secrecy laws
• Financial privacy regulations

For detailed information about how we process your personal data, please see our Privacy Policy.

6. Consumer Protection

We are committed to treating customers fairly and transparently:

• Clear and transparent pricing and fee disclosure
• Fair lending practices and responsible credit assessment
• Complaint handling and dispute resolution procedures
• Protection of customer deposits through deposit insurance schemes
• Clear terms and conditions for all products and services
• No unfair or deceptive practices

7. Capital Adequacy and Prudential Requirements

We maintain strong capital and liquidity positions in accordance with:

• Basel III capital adequacy requirements
• Liquidity coverage ratio (LCR) requirements
• Net stable funding ratio (NSFR) requirements
• Leverage ratio requirements
• Stress testing and scenario analysis

Our capital ratios consistently exceed regulatory minimums, ensuring the safety and soundness of our operations.

8. Tax Compliance

We comply with all applicable tax laws and regulations, including:

• Automatic Exchange of Information (AEOI) requirements
• Common Reporting Standard (CRS)
• Foreign Account Tax Compliance Act (FATCA) where applicable
• Tax reporting and withholding obligations

We may be required to report certain account information to tax authorities in accordance with international tax transparency standards.

9. Whistleblowing and Reporting

We maintain a confidential whistleblowing mechanism for reporting:

• Compliance violations
• Fraudulent activities
• Unethical conduct
• Regulatory breaches

Reports can be made anonymously through our compliance hotline or email. We protect whistleblowers from retaliation and investigate all reports thoroughly.

10. Compliance Training

All employees receive regular compliance training on:

• AML and CTF requirements
• Data protection and privacy
• Consumer protection regulations
• Code of conduct and ethics
• Sanctions compliance
• Regulatory updates and changes

11. Regulatory Reporting

We submit regular reports to regulatory authorities, including:

• Capital adequacy reports
• Suspicious transaction reports (STRs)
• Large transaction reports
• Financial statements and regulatory returns
• Compliance certifications

12. Your Cooperation

To help us maintain compliance, we may request:

• Updated identification documents
• Information about the source of funds
• Documentation for transactions
• Confirmation of beneficial ownership (for corporate accounts)
• Tax identification numbers and tax documentation

Your cooperation is essential for us to meet our regulatory obligations. Failure to provide requested information may result in account restrictions or closure.

13. Contact Our Compliance Team

For compliance-related inquiries or to report concerns: