RAIFFEISEN BANK INTERNATIONAL

CODE
CODUL OF
DE CONDUCT
CONDUITA

as
dinfrom January
Ianuarie 2020
2020
Mesajul CEO

Codul de conduita este destinat sa ghideze actiunile zilnice ale partilor interesate interne si
externe. A face afaceri intr-un mod legal, etic si responsabil este o parte esentiala a culturii
corporative.

Pe masura ce ne desfasuram activitatea in mai multe tari, iar colegii nostri sunt cetateni ai
natiunilor cu diferite legi, reglementari si obiceiuri, angajamentul nostru este de a desfasura
afaceri in conformitate cu inalte standarde de comportament etic dincolo de frontierele
nationale.

Ne asteptam ca toti membrii personalului sa inteleaga si sa respecte Codul in orice moment si ne bazam pe integritatea
personala a acestora pentru a ne proteja si spori reputatia. Este responsabilitatea fiecaruia sa respecte acest Cod in
activitatile noastre de afaceri si, daca este necesar, sa solicite asistenta din partea managerilor, ofiterilor de conformitate
sau prin oricare dintre canalele pe care le punem la dispozitie. Este de asteptat ca managerii sa serveasca drept modele
si sa abordeze preocuparile membrilor personalului cu privire la orice comportament potential necorespunzator in mod
prompt, discret si cu respect.

Respectand standardele inalte si traind cu adevarat spiritul acestui Cod de conduita, fiecare membru al personalului
contribuie la perceptia pozitiva a Grupului nostru de catre toti actorii implicati - inclusiv, mai ales, clientii, actionarii,
partenerii de afaceri si publicul larg.

Daca observati orice actiune care ar putea incalca acest Cod sau care ar pune Grupul nostru in pericol, ne bazam pe
dumneavoastra si va solicitam sa ne informati.

Johann Strobl
in numele Consiliului de Administratie al RBI
1. Fundatia noastra

Raiffeisen Bank International AG (RBI) este incorporata in grupul austriac bancar Raiffeisen . Principiile de baza ale
grupului nostru deriva din filosofia lui Friedrich Wilhelm Raiffeisen (1818-1888), care a considerat ca toate activitatile
economice ar trebui sa se bazeze pe solidaritate sociala, auto-ajutorare si sustenabilitate.
RBI si companiile asociate (Grupul RBI) sunt actori economici importanti in Austria si in mai multe alte tari in care isi
desfasoara activitatea. Suntem dedicati unui management corporativ sustenabil si responsabilitatii sociale si de mediu
aferente. Rolul nostru ca partener corect in lumea afacerilor este caracterizat de responsabilitatea fata de toti actorii
nostri, in special clienti, furnizori, angajati, actionari, precum si fata de societate in ansamblu.
Codul de conduita al Grupului RBI formeaza fundamentul unei culturi corporative care include spiritul de integritate. Este
bazat pe valorile noastre corporative si principii etice; totusi nu poate acoperi toate situatiile ce pot aparea. Dispozitii
specifice pot fi gasite in normele interne aplicabile. Daca legislatia locala si Codul difera, se vor aplica regulile mai stricte
si mai ample. Toate documentele de guvernanta trebuie sa fie in conformitate cu principiile definite in Cod. Codul are
rolul de a ne asigura ca tot comportamentul nostru in relatiile de afaceri si problemele etice este in conformitate cu cele
mai inalte standarde ale noastre.
Angajatii sunt obligati sa actioneze in mod responsabil, nu trebuie sa se angajeze in niciun comportament inadecvat, in
mod special ignorand intentionat, incalcand sau cerand altor persoane sa incalce acest Cod.
Angajatii isi exprima preocuparile sau vor raporta prompt orice incercare frauduloasa sau posibile incalcari ale legilor,
regulilor sau reglementarilor managerilor lor. In cazul acelor aspecte care sunt reglementate de Manualul de conform-
itate al Grupului, acestea implica Directia Conformitate la nivel local sau Departamentul Conformitate la nivelul Grupului.
Orice raport poate fi efectuat si prin canalul Whistle Blowing Hotline. Toate rapoartele sunt tratate cu stricta confiden-
tiale. Angajatii care raporteaza cu buna credinta nu trebuie sa se teama de masuri de represalii. Represalile sunt o
problema serioasa care nu va fi tolerata. Fiecare manager este responsabil pentru crearea unui mediu de lucru fara
represalii.
INCALCARI
Codul de conduita al Grupului RBI face parte integranta din conditiile generale de angajare si guverneaza activitatile
noastre. Acesta acopera, de asemenea, anumite obligatii continue in cazul in care un membru al personalului paraseste
Grupul RBI. Prin urmare, orice incalcare a Codului de conduita al Grupului RBI poate avea consecinte in temeiul legislatiei
muncii, inclusiv incetarea anticipata a contractului de munca.

1.1. Aderarea la acest Cod 1.3. Informatii suplimentare, intrebari si sugestii

Acest Cod trebuie respectat de catre toti angajatii. In plus, ne asteptam ca toate persoanele care actioneaza sau Intranetul si / sau site-urile web ale companiilor Grupului RBI furnizeaza informatii suplimentare si detalii de contact
furnizeaza servicii pentru Grupul RBI, precum si pentru toti ceilalti parteneri de afaceri sa aplice reguli si standarde care pot fi folosite pentru a pune intrebari si / sau pentru a raporta probleme etice.
identice sau similare cu cele stabilite in Cod.

In timp ce Codul este obligatoriu pentru Grupul RBI pe plan intern, acesta nu creeaza drepturi sau obligatii ale tertilor fata
de membrii Grupului RBI.

Orice renuntare la acest Cod trebuie sa se bazeze pe decizia Consiliului de Administratie al RBI si trebuie dezvaluita in
masura in care se solicita prin lege, reglementari sau cerinte bursiere.

1.2. Aplicarea Codului

Deciziile sau situatiile sunt adesea complexe. Intr-o decizie sau intr-o situatie in care nu este clar ce masuri ar trebui
luate, trebuie sa raspundem la urmatoarele intrebari:

Cunosc valorile de baza ale Grupului RBI?

Am suficiente informatii pentru a lua decizia corecta in situatia data?

Am luat in considerare si identificat alte optiuni sau alternative?

Actiunea mea este legala si respecta Codul de conduita si alte politici aplicabile?

Exista argumente clare, obiective sau justificari pentru o anumita actiune sau ar putea exista vreun factor

motivational partinitor?

Pot justifica actiunea mea altor persoane din cadrul Grupului RBI sau autoritatilor competente?

Ma simt confortabil daca actiunea sau situatia mea a fost divulgata in final in domeniul public sau in presa?

Pot sa-mi explic actiunea si sa o apar cu sinceritate daca as fi intrebat mai tarziu despre aceasta?
2. Standardele noastre
 2.1 Customer
2.1. Relatia cuRelations
clientii
2.1.1.
2.1.1 Confidentialitate, intimitate
Confidentiality, privacy
Protejam si utilizam
We protect and useinpersonal
mod corespunzator informatiile
and confidential personale siappropriately.
client information confidentiale ale
Weclientilor.
discloseDezvaluim
informationinformatii doar
only in order
pentru a respecta legile si reglementarile aplicabile sau in cazurile in care acestea sunt in mod
to comply with the applicable laws and regulations or in cases when it is specifically permitted by them.special autorizate de
acestea.

2.1.2 Excellent products and services

2.1.2. Produse si servicii excelente
We provide products and services for which we hold the relevant licenses and have the required expertise and
Furnizam produse si servicii pentru care detinem licentele relevante si dispunem de expertiza si infrastructura necesare.
infrastructure
Ne angajam sa in furnizam
place. We are committed
produsele to noastre
si serviciile providing our products cu
in conformitate and servicesclientilor
interesele according to in
nostri thecelinterests
mai bunofmod
our
customers
posibil. in the best possible way.

2.1.3.
2.1.3 Corectitudine
Fairness
Aplicam
We apply un nivel
a highridicat
leveldeofintegritate in tranzactiile
integrity in noastre
our dealings, and sifollow
respectam obligatiile legale
any applicable legal siand
de reglementare aplicabile
regulatory obligations
privind protectia
regarding consumerconsumatorilor.
protection. We Noi tratam clientii respectuos.
treat customers respectfully.Mãsurile
False ordemisleading
marketing marketing
si publicitatea false and
measures sau
inselãtoare sunt inacceptabile pentru noi. Cautam sa evitam riscul de supraindatorare a debitorilor
advertising are unacceptable to us. We seek to avoid the risk of over-indebtedness of borrowers and we treat si tratam in mod
corect clientii care intampina dificultati de rambursare.
customers who are experiencing repayment difficulties fairly.
2.1.4. Protectia investitorului
2.1.4 Investor
Trebuie protection
sa furnizam clientilor si investitorilor informatii clare si adecvate in orice moment si sa oferim consultanta in
We always have to giveclientului
functie de circumstantele clear and peappropriate information
care le cunoastem, to customers
cu toate and
acestea nu investors
acordam and give fiscala.
consultanta advice Toti
based on
mem-
the customer’s circumstances known to us, however we do not give tax advice. All our staff members providing
brii personalului nostru care ofera servicii de investitii sau servicii auxiliare, precum si orice alte functii de asistenta
investment
aferente services
sunt obligatiorsaancillary
respecteservices
legile si as well as anyrelevante.
reglementarile related support functions are required to adhere to relevant
laws and regulations.
2.1.5. Conflictul de interese
Ne straduim
2.1.5 Conflictsaofidentificam
interest si sa evitam potentiale conflicte de interese in activitatile noastre de afaceri si sa avem
orientari
We striveinterne stricteand
to identify in acest
avoidsens. Membrii
potential personalului
conflicts of interesttrebuie
in oursabusiness
se asigure ca propriile
activities interese
and have nu contravin
stringent internal
obligatiilor fata de banca sau obligatiilor bancii fata de clientii sai.
guidelines in that respect. Staff members must ensure that their own interests do not conflict with their obligations
towards the bank or with the bank‘s obligations towards its customers.

8 9
 2.2. Relatille
2.2 Investorcu actionarul
Relations
2.2.1. Crearea valorii sustenibile
2.2.1 Creating sustainable value
Suntem dedicati unei interpretari ample privind durabilitatea, avand in vedere impactul financiar, social si de mediu pe
We are committed to a broad interpretation regarding sustainability considering the long-term financial, social and
termen lung al activitatilor noastre. Aceasta reflecta valorile noastre fundamentale si ne intensifica capacitatea de a
environmental impact of our activities. This reflects our core values and intensifies our ability to provide excellent
furniza produse si servicii excelente clientilor nostri. Angajamentul nostru se bazeaza pe o buna guvernanta corporativa
products and services
si pe standarde to our clients.
globale (inclusiv Our commitment
Global Compact is based
al Natiunilor on good
Unite) pentru corporate
practici governance
de afaceri andgestionarea
responsabile, on global
standards (including United Nations Global Compact) for responsible business
activa a operatiunilor noastre, gestionarea atenta a riscurilor si buna diligenta. practices, active management of our
operations, careful risk management and due diligence.
Ne angajam sa mentinem si sa imbunatatim continuu un sistem eficient de control intern si de gestionare a riscurilor.
We
Avemare committed
planuri adecvateto de
maintaining and
continuitate continuously improving an efficient internal control and risk management
a afacerii.
system. We have appropriate business continuity plans in place.
2.2.2. Protectia reputatiei
Comunicam
2.2.2 si interactionam
Protecting reputation cu incredere si sincer cu toate grupurile de parti interesate. Este responsabilitatea noastra
sa necommunicate
We protejam reputatia .
and interact truthfully and honestly with all stakeholder groups. It is our responsibility to safeguard
our reputation.
2.2.3. Transparenta
Transparenta in ceea ce priveste informatiile noastre corporative este cheia performantei noastre si o componenta
2.2.3 Transparency
importanta a guvernantei noastre corporative. Il demonstram prin calitatea inalta a comunicarilor noastre corporative si
Transparency in relation to our corporate information is key to our performance and an important component of our
suntem deschisi sa impartasim informatii corporative chiar si atunci cand este neconfortabil sa facem acest lucru.
corporate
Comunicam governance. We interesate
cu toate partile demonstrate it through
intr-un the high
mod prompt, quality
corect of our corporate
si cuprinzator, communications,
in limitele and we are
prevederilor legale.
open to share corporate information even when it is uncomfortable to do so. We communicate to all stakeholders in
a prompt, accurate and comprehensive way within the limits of the statutory provisions.

10 11
 2.3. Employee
2.3. Relatia Relations
cu angajatii
2.3.1. Practici
2.3.1 corecte depractices
Fair employment angajare
Fair employment practices do fac
Practicile corecte de angajare moremaithan
multkeeping
decat sa RBImentina
Group conformitatea
compliant withGrupului
applicableRBI labour
cu legislatia aplicabila in
and employment
domeniul muncii si ocuparii fortei de munca. Ele contribuie la o cultura a respectului.
laws. They contribute to a culture of respect. We strive to be a group of companies, where the best people want
Ne straduim sa fim un grup de companii, unde cei mai buni oameni doresc sa lucreze, unde oamenii sunt angajati si
to work, where people are hired and promoted on their merits (performance and professional experience), where
promovati pe merite (performanta si experienta profesionala), unde exista oportunitati de dezvoltare si un echilibru bun
development opportunities are available and where a good balance between working time and private life can be
intre timpul de lucru si viata privata.
achieved. We value teamwork within and across business units, divisions and countries and we help our people to
Pretuim munca in echipa in cadrul unitatilor de afaceri, divizii si tari si ajutam oamenii sa se dezvolte la maximum. Ii
develop to
incurajam pe their full potential.
angajatii nostri saWe encourage
fie proactivi oursestaff
si sa members
ocupe to be proactive
de schimbarea and deal
constructiva, with change
anticipand-o ori deconstructively
cate ori este
by
posibil. Solicitam angajatilor sa demonstreze judecata solida si sa gestioneze in mod proactiv riscurileand
anticipating it wherever possible. We require staff members to demonstrate sound judgment proactively
in activitatea lor
manage risks in their daily business. Any member of our staff is encouraged to express his/her
zilnica. Orice angajat este incurajat sa-si exprime opinia sau judecata profesionala cu privire la chestiunile care professional opinion
tin de
or judgement on lor.
responsabilitatea matters within their respective responsibility. We respect the laws, regulations and rules of the
Respectam
countries legile,we
where reglementarile
do business in si regulile
and wetarilor
complyin care
with ne desfasuram
international activitatea
standards si respectam
in relation standardele
to human interna-
rights, freedom
tionale
of in ceea ce
association, priveste
equal drepturile opportunities
employment omului, libertatea de asociere,
as well oportunitati
as prohibition egalecompulsory
of forced, de angajare,andprecum
childsilabour.
interzicerea
We
muncii fortate,
adhere obligatorii
to competitive si desfasurate
standards de copii.
regarding remuneration which support the business strategy, our values and the long-
Aderam
term la standarde
company targets competitive privind
and incorporate remunerarea
measures careconflicts
to avoid sustin strategia
of interest.de afaceri, valorile noastre si obiectivele
companiei pe termen lung si includem masuri de evitare a conflictelor de interese.
2.3.2 No discrimination or harassment
2.3.2. Fara discriminare sau hartuire
We encourage an environment, where all staff members treat each other with mutual respect. We value and support
Incurajam un mediu in care toti membrii personalului se trateaza fiecare cu respect reciproc. Dam valoare si sustinem
diversity, since it allows different perspectives to emerge. Our aim is to maximise variety in our teams and ensure that
diversitatea, intrucat permite aparitia unor perspective diferite. Scopul nostru este sa maximizam diversitatea in echipe-
diversity also
le noastre si sa exists at the ca
asiguram highest levels
aceasta of management.
exista Discrimination
si la cele mai inalte niveluri deand harassment (for example, on account of
management.
a person‘s age, ethnicity, race or colour, national origin, religion or belief, political
Discriminarea si hartuirea (de exemplu, pe motive de varsta, etnie, rasa sau culoare, origine or other opinion,
nationala, gender,
religie sexual
sau convin-
orientation or disability) are inconsistent with maintaining an integrating work environment in which staff
geri religioase, opinii politice sau de alta natura, sex, orientare sexuala sau handicap) sunt incompatibile cu mentinereamembers can
reach their highest
unui mediu de lucrulevels of in
integrat individual productivity
care membrii and our
personalului potbusiness goals.
atinge cele mai There is neither
inalte niveluri de room nor excuse
productivitate for any
individuala
si obiectivele
forms noastre de harassment
of discrimination, afaceri. Nu exista loc si nicio
or intimidation inscuza pentru nicio forma de discriminare, hartuire sau intimidare
RBI Group.
in cadrul Grupului RBI.
2.3.3 No violence
2.3.3. Fara
Threats violenta
or acts of violence, irrespective whether committed in the office or in any other work-related circumstances,
Amenintarile sau and
are not tolerated actele de violenta,
shall indiferent
be reported daca sunt comise in birou sau in alte circumstante legate de munca, nu
immediately.
sunt tolerate si trebuie raportate imediat.

2.3.4 Occupational health and safety

2.3.4. Sanatate si siguranta ocupationala
The protection
Protectia of the
sanatatii health andpersonalului
si securitatii safety of ournostru
staff iseste
a key issue. Theesentiala.
o chestiune respective regulations have
Reglementarile to be followed
respective strictly.
trebuie urmate
cu strictete.
2.3.5 Private business activities
Staff
2.3.5.members
Activitatimust notde
private engage
afaceriinto any activity that would conflict with their employment related responsibilities or
would negatively
Angajatii nu se voraffect
angajaour reputation.
in nicio Each
activitate staff
care member
ar intra shall avoid
in conflict any potential legate
cu responsabilitatile conflictdeofangajare
interest. sau
In case of a
ar afecta
negativ reputatia
potential noastra.
conflict or Fiecare
questions, staffangajat
members trebuie sa evite required
are therefore orice potential conflict
to involve theirde
lineinterese.
manager In and
cazulCompliance.
unui potential
conflict sau intrebari, angajatii trebuie, prin urmare, sa implice superiorul direct si Directia Conformitate.
2.3.6 Speaking on behalf of RBI Group, social media
2.3.6.designated
Only Discutii in numele
staff mayGrupului
provideRBI, social
official media to the media in any form. Other staff members must not consent
comments
Doar angajatul desemnat poate furniza comentarii oficiale catre mass-media sub orice forma. Alti angajati nu trebuie sa
to or engage in any public relations activity on behalf of RBI Group with the media, clients, suppliers, distributors or
consimta sau sa se angajeze in orice activitate de relatii publice in numele Grupului RBI cu mass-media, clienti, furnizori,
others without prior approval from the Group Communications or the Communications Division of a Group entity. We
distribuitori sau alte persoane fara aprobarea prealabila din partea Departamentului Comunicare a Grupului sau a
recognize that our staff members use social media for private purposes. The usage of such tools must follow applicable
Directiei Comunicare a unei entitati din cadrul Grupului.
laws and internal
Recunoastem ca guidelines and must
angajtii nostri consider
utilizeaza the reputation
mijloace of RBI in
de socializare Group as well
scopuri as the
private. privacy acestor
Utilizarea rights of instrumente
others.
trebuie sa respecte legile si liniile directoare aplicabile si trebuie sa ia in considerare reputatia Grupului RBI, precum si
2.3.7 Protecting
drepturile assets
de confidentialitate ale altor persoane.
Staff members are required to treat our, our clients’, suppliers’, and other third parties’ properties, equipment and
other
2.3.7.types of assets
Protectia (including information, intellectual property, business secrets or other proprietary information) with
activelor
Angajatii
care. Staffsunt obligatimust
members sa trateze
follow cu grija proprietatile
implemented clientilor,
procedures furnizorilor
to prevent si ale tertelor
unauthorized parti, echipamentele
persons from accessingsitoalte tipuri
and/or
de active (incluzand
becoming informatiile,
able to utilize, changeproprietatea intelectuala,
or destroy such assets. secretul bancar sau alte informatii de proprietate). Angajatii
trebuie may
Assets sa respecte
be usedprocedurile
for approvedimplementate
purposes andpentruin aline
impiedica accesul persoanelor
with applicable neautorizate
terms and conditions si /This
only. sau principle
pentru a
putea utiliza, modifica sau distruge aceste active.
applies also to the use of RBI Group’s name, facilities or relationships for charitable or pro bono purposes, and those
Activele pot fi utilizate in scopuri aprobate si numai in conformitate cu termenii si conditiile aplicabile. Acest principiu se
may be used only after prior approval as required by the policies of RBI Group.
aplica si utilizarii numelui, facilitatilor sau relatiilor Grupului RBI in scopuri caritabile sau pro bono, iar acestea pot fi
utilizate numai dupa aprobarea prealabila, conform cerintelor politicii Grupului RBI.
12 13
 2.4
2.4.Compliance withculaws
Conformitatea andsiregulations
legile reglementarile
2.4.1
2.4.1. Regulatory
Respectarea compliance
reglementarilor
We fully comply with toate
Respectam pe deplin legile, regulile
all applicable laws,si reglementarile aplicabile.
rules and regulations. Fiecare
Every staffangajat
membertrebuie sa fie
must be informat cu privire
knowledgeable aboutla
the regulatory requirements applicable to his/her tasks. We encourage our staff members to seek for informationsi
cerintele de reglementare aplicabile sarcinilor sale. Incurajam angajatii sa caute informatii despre legile, regulile
reglementarile
about aplicabile
applicable cu privire
laws, rules la sarcinile lor.
and regulations regarding their tasks.

2.4.2. Cooperarea cu autoritatile

2.4.2 Cooperation with authorities
Mentinem relatii deschise, productive si de cooperare cu autoritatile noastre de reglementare. In cazul investigatiilor,
We maintain open, productive and cooperative relationships with our regulators. In case of regulatory investigations,
anchetelor sau examinarilor de reglementare, cooperam pe deplin si furnizam toate informatiile relevante in timp util, in
inquiries or examinations we cooperate fully and provide all relevant information in time to the extent it is required
masura in care acest lucru este necesar si permis de legile aplicabile.
and allowed by the applicable laws.
2.4.3. Responsabilitate si raportare
2.4.3 Accounting
Registrele noastre, and reporting
situatiile financiare si rapoartele de reglementare vor fi intocmite in conformitate cu legile si principiile
Our books,
contabile financial. statements and regulatory reporting must be prepared in accordance with the applicable laws
aplicabile
and accounting principles.
2.4.4. Taxe
Operam
2.4.4 in litera si in spiritul legilor fiscale si contribuim la economiile tarilor in care derulam afaceri prin plata impozite-
Taxes
We operate trebuie
lor. Angajatii sa evite
in the letter andtoate practicile
the spirit of taxcare
lawsimplica evaziuneatode
and contribute thelaeconomies
platile fiscale.
of the countries in which we make
business through the payment of taxes. Staff members are required to avoid all practices that involve the unlawful
2.4.5. Concurenta loiala
evasion of tax payments.
Ne angajam sa promovam pietele libere si competitive si respectam regulile concurentei loiale si normele care guver-
neaza comportamentul pietei la nivel international .
2.4.5 Fair competition
We
2.4.6.are committed to promote free and competitive markets and we comply with the rules of fair competition and the
Lobby
rules
Suntemgoverning market
neutri din punctbehaviour
de vedereon international
politic. level.unor conditii stricte de politica, Comitetul Director al RBI poate
Sub rezerva
autoriza acordarea de contributii. Numai personalul autorizat poate participa la lobby, adica sa ne prezinte pozitia sau
2.4.6
opinia Lobbying
proprie in timpul unui proces legislativ sau de reglementare.
We are politically neutral. Subject to strict policy conditions the Managing Board of RBI may authorise that contributions
can be bestowed. Only authorised staff is allowed to take part in lobbying, i.e. presenting our position or opinion
during a process of legislation or rulemaking.

14 15
 2.5 Combating
2.5. against
Combaterea financial crime
infractionalitatii financiare
2.5.1 Mita
2.5.1. Bribery and corruption
si coruptie
Mita poate avea
Bribes can take many mai multe
forms,forme, inclusiv
including the oferta
offer orsau acceptareaofplatilor
acceptance direct directe sau payments,
or indirect indirecte, serviciilor,
services, cadourilor
excessive
excesive, donatiilor caritabile, sponsorizarilor, platilor preferentiale sau facilitatilor. Orice incercare
gifts, charitable donations, sponsorships, preferential treatment or facilitation payments. Every attempt de luareofdebribery
mita sau
or
de gratuitati ilegale trebuie sa fie respinsa de angajatii nostri.
illegal gratuities must be rejected by our staff. Acts of bribery or corruption perpetrated by staff members, suppliers
Actele de luare
and others withdewhom
mita sauwededocoruptie comise
business or whode act
membrii personalului,
on our behalf arefurnizorii si alte persoane
unacceptable. Particularcucare
caremust
facem beafaceri
taken
sau care actioneaza in numele nostru sunt inacceptabile. O atentie deosebita trebuie acordata in cazul relatiilor cu
when dealing with public officials. We do not participate in any transaction in which there is a reason to believe
functionarii publici. Nu participam la nicio tranzactie in care exista motive sa credem ca este vorba de mituire sau de
that bribery or corruption is involved.
coruptie.

2.5.2 Acceptarea
2.5.2. Accepting and giving gifts
si oferirea and invitations
de cadouri si invitatii
Staff members
Angajatii are onlysapermitted
sunt autorizati accepte tosauaccept
sa ofereor cadouri
offer gifts and invitations
si invitatii care suntthat are appropriate
adecvate under the
in circumstantele date,given
sub
circumstances,
rezerva subject
limitarilor, to limitations,
aprobarilor approvals
si cerintelor and recording
de inregistrare definiterequirements defined
in regulile noastre in our internal rules.
interne.
Giftspot
Nu officash or sau
oferite cashprimite
equivalents may
in niciun notcadouri
caz be offered
in banior sau
received underInany
echivalent. circumstances.
niciun In no
caz, cadourile, event shall
invitatiile corporate
sau cheltuielile
corporative nu vor
gifts, invitations or permite
expenses interpretarea
be such as(sau intentia)
to permit theircainterpretation
mita sau alte(orforme necorespunzatoare
intent) as bribes or otherdeimproper
compensare
formssau
of
plata.
compensation or payment.

2.5.3.
2.5.3 Prevenirea
Preventionspalarii
of money banilor si finantarea
Laundering terorismului
and terrorist financing
Vom respecta toate legile ce previn spalarea
We have to comply with all laws preventing -money de bani laundering
si finantarea terorismului.
and Ne propunem
-terrorist financing. sa to
We aim desfasuram afaceri
conduct business
numai cu clienti cu reputatie implicati in activitati legitime de afaceri, cu fonduri provenite din surse legitime.
only with reputable customers involved in legitimate business activities, with funds derived from legitimate sources.
Fiecare entitate din cadrul Grupului RBI urmareste procedurile de "Cunoastere a clientului" bazate pe risc si ia masuri
Each RBI Group entity follows risk-based “Know Your Customer” due diligence procedures and takes reasonable
rezonabile pentru prevenirea, detectarea si raportarea tranzactiilor suspecte.
steps to prevent, detect and report suspicious transactions.
2.5.4. Sanctiuni economice, embargouri
2.5.4 Economic
Derularea sanctions,
de afaceri embargoes
cu persoane sau entitati care comercializeaza anumite bunuri si tehnologii (inclusiv servicii financi-
Business
are) care dealings withde
sunt afectate individuals
sanctiunior entities,
sau trading
embargouri in certain
sunt permisegoods
numaiand
dacatechnologies (including
sunt indeplinite financial
in stricta services)
conformitate cu
which areaplicabila
legislatia affectedsanctiunilor
by sanctions or embargoes are
si embargourilor. Avempermitted only ifpolitici,
implementate done in strict compliance
proceduri si controale with applicable
interne pentru
respectarea
sanctions and legislatiei
embargoesrelevante. FiecareWe
legislation. membru al personalului
have policies, este responsabil
procedures and internalsacontrols
aplice regulile respective
for complying in relevant
with activita-
tea zilnica.
legislation. Each staff member is responsible to apply the respective rules in daily business.

2.5.5.
2.5.5 Tranzactii bazate
Insider trading pemarket
and informatii privilegiate si abuzul de piata
abuse
Incalcarile
Violations related to insider trading andinformatii
legate de tranzactionarea cu privilegiate simay
market manipulation manipularea pietei
have severe pot avea consecinte
consequences, includinggrave, inclusiv
termination
incetarea contractului de munca, precum si sanctiuni civile si / sau penale si pot avea un impact grav asupra reputatiei
of employment as well as civil and/or criminal penalties, and they may have serious impacts on our reputation
noastre si a increderii publicului. Prin urmare, este interzisa tranzactionarea valorilor mobiliare ale oricarei companii, in
and the public‘s trust. Therefore, trading in securities of any company, while in possession of material, non-public
timp ce se afla in posesia unor informatii materiale si ne-publice referitoare la companie. Nu toleram nicio incercare de
information regarding the company is prohibited. We do not tolerate any attempt to manipulate or tamper with the
manipulare a pietelor sau a preturilor valorilor mobiliare, ale optiunilor, ale contractelor futures sau ale altor instrumente
markets or the prices of securities, options, futures or other financial instruments.
financiare.

16 17
 2.6 Social and environmental responsibility
2.6. Responsabilitate sociala si de mediu
2.6.1 Our Corporate Responsibility
It2.6.1.
is ourResponsabilitatea
understanding thatnoastra corporativa
our business may have an important effect on each pillar of sustainability: in the economic
Intelegerea noastra este ca afacerea poate avea un efect important asupra fiecarui pilon al sustenabilitatii: in sfera
sphere, in society and on the environment. This is reflected according to our Sustainability Strategy as a ‘responsible
economica, in societate si in mediul inconjurator. Acest lucru se reflecta in conformitate cu Strategia noastra de susten-
banker’, a ‘fair partner’ and an ‘engaged corporate citizen’. We therefore strive to achieve long-term profitable
abilitate ca un "bancher responsabil", un "partener echitabil" si un "cetatean corporativ angajat". Prin urmare, ne straduim
business
sa derulam while avoiding,
afaceri amongst
profitabile others,
pe termen lung,social and
evitand, environmental
printre harm.
altele, daunele Further,
sociale we want
si asupra to contribute
mediului. Mai mult, to the
dorim
improvement
sa contribuimof la environmental protectionmediului
imbunatatirea protectiei and social
si astandards.
standardelor sociale.
We are aware of sensitive business fields (especially,
Suntem constienti de domeniile de afaceri sensibile (in special, but not
darlimited to limita
fara a se nuclear power,nucleara,
la energia coal, military goods
carbunele, and
bunuri-
technologies, gambling) which we handle with care and for which internal policies have to be followed
le si tehnologiile militare, jocurile de noroc) de care ne ocupam cu grija si pentru care politicile interne trebuie respectate by staff
members.
de angajati.

2.6.2.Drepturile
2.6.2 omului
Human rights
Respectam
We respectsiand
sustinem
supportprotectia drepturilor
the protection of omului
humanstipulate in Conventia
rights stipulated Europeana
in the Europeana Drepturilor
ConventionOmului,
on Humanprecum si in
Rights
Declaratia
as well as Universala a Drepturilor
the Universal DeclarationOmului. Ne propunem
of Human sa ne
Rights. We aimangajam in afaceri
to engage ce respecta
into business, aceste
which is inprincipii.
line with these
Ne straduim sa nu finantam direct sau indirect niciun fel de tranzactii, proiecte sau parti si nici sa cooperam cu vreun
principles. We strive to neither directly nor indirectly finance any transactions, projects or parties, nor cooperate with
partener de afaceri (inclusiv clienti, furnizori de servicii si furnizori) care nu respecta aceste standarde sau sunt suspec-
any business partner (including customers, service providers and suppliers) that do not adhere to these standards or
tati de incalcari ale drepturilor omului.
are suspected of human rights violations. We seek not to be involved in business with products that are intended to
Cautam sa nu fim implicati in afaceri cu produse care sunt destinate sa fie folosite pentru a elimina demonstratiile,
be used forpolitice
tulburarile abolition
sauof demonstrations,
alte political unrest
incalcari ale drepturilor omului.orAcest
other lucru
violations of human
se aplica rights.
in special Thisinapplies
tarilor care seindesfasoara
particular
to
saucountries where political
sunt preconizate unrest
tulburari or military
politice conflicts
sau conflicte or other
militare sauviolations of human
alte incalcari rights are
ale drepturilor ongoing or expected.
omului.

2.6.3 Environmental
2.6.3. Protectia mediuluiprotection
We
Ne pasa de mediul inconjurator - –
care about the environment si,and
prin therefore consider
urmare, luam the environmental
in considerare impactulimpact of ournoastre
activitatilor business activities.
asupra We
mediului.
Preferam
give afacerile cu
a preference tehnologiiwith
to business nepoluante si deasemenea
non-polluting technologies selectam furnizorii,
and choose avandconsidering
suppliers in vedere echilibrul ecologic si
the environmental
masuratorile
balance andaferente.
related measurements. We work to conduct our operations in a safe manner that minimises negative
Ne derulam operatiunile
environmental impact and intr-o maniera
reduces sigura,
carbon care minimizeaza
emission. We expectimpactul negativ
our service asupraand
providers mediului si reduce
suppliers emisiile
to adhere de
to our
carbon. Ne We
standards. asteptam
strive ca furnizorii
to do nostri
business withdesustainable
servicii si furnizorii
companies.sa respecte standardele
The financing of or noastre. Ne straduim
participation sa derulam
in any transactions
afaceri cu companii durabile. Finantarea sau participarea la orice tranzactie sau proiect care pune in pericol mediul
or projects which put the environment at risk of lasting substantial detrimental effect (e.g. destruction of the rainforest,
inconjurator (de exemplu distrugerea padurilor tropicale, poluarea solului, a aerului sau a apelor) nu este in concordanta
pollution of land, air or waters) are not in accordance with our business conduct.
cu comportamentul nostru comercial.
Staff members concerned shall think of the potential adverse environmental effects and associated potential risk
Angajatii in cauza se gandesc la potentialele efecte negative asupra mediului si la riscul potential de deteriorare a reputa-
of
tieidamage
noastre intotoate
our deciziile
reputation in every
privind decision
tranzactiile sauregarding
proiectele transactions or projects
- in special atunci – especially
cand furnizam when we provide
finantare.
financing.
2.6.4. Contributia fata de societate
2.6.4
Suntem Contribution
constienti cutoprivire
societyla rolul nostru in societate. Dorim sa contribuim la dezvoltarea societatii intr-o masura mai
We are aware of our rolenoastre
buna dincolo de activitatile in society. We want
de afaceri to contribute
si actionam to the development
in conformitate of society
cu capacitatile to the
noastre. better beyond
Sprijinim our
organizatiile
non-profitactivities
business si caritabile in conformitate
and act in line with ourcucapabilities.
politica noastra privind non-profit
We support activitatileand
de charitable
sponsorizare si donatiile.in Cu
organisations linetoate
with
acestea,
our policyin on
niciun caz nu pot
sponsoring fi folosite
activities donatii pentru
and donations. cauze under
However caritabile
no ca o conditie sau
circumstances maycadonations
mijloc defor
influentare
charitablea
deciziilor
causes besau
useda functionarilor
as a condition publici.
or a means to influence decisions or public officials. We encourage our staff members
Incurajam
to volunteerangajatii sa se
within our implice voluntar
corporate in cadrul
volunteering programelor noastre de voluntariat corporative.
programs.

18 19
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