Speak Up. Protect Our Integrity.

At Cooperative Mortgage Bank Limited, integrity, transparency, accountability, and ethical conduct are fundamental to everything we do. We encourage our employees, customers, contractors, vendors, business partners, and members of the public to report any suspected misconduct or unethical behaviour that may adversely affect the Bank, its customers, or other stakeholders.

The Bank is committed to ensuring that every genuine concern is treated fairly, investigated promptly, and handled with the highest level of confidentiality.

What Should Be Reported?

You are encouraged to report any actual or suspected reportable activity listed below as it relates to the bank, its customers, employees and partners where applicable: –

• Fraud, theft, or financial misconduct.
• Bribery, corruption, or abuse of office.
• Money laundering or terrorist financing activities.
• Forgery or falsification of records.
• Breach of laws, regulations, or the Bank’s policies.
• Conflict of interest.
• Unethical or dishonest conduct.
• Harassment, discrimination, or victimisation.
• Health, safety, or environmental violations.
• Deliberate concealment of any wrongdoing.
• Any other conduct capable of damaging the reputation or operations of the Bank.

 

Who Can Make a Report?

Whistleblowing reports may be submitted by:

• Employees
• Directors
• Customers
• Contractors
• Vendors and service providers
• Consultants
• Members of the public
• Any other stakeholder

 

How to Report

You can report your concern through any of the following channels:

Online Whistleblowing Portal

Submit your report securely through our online reporting platform:

https://cmbankng.com/whistleblowing/

Or simply scan the QR Code below to access the Whistleblowing Portal.

[Insert QR Code Here]

Email

whistleblower@cmbankng.com

Where possible, kindly provide sufficient details, including the nature of the concern, persons involved (if known), relevant dates, locations, and any supporting information or documents that may assist the investigation.

Confidentiality and Protection

The Bank is committed to protecting whistleblowers who make reports in good faith.

• Reports may be submitted anonymously.
• All disclosures are handled with strict confidentiality.
• Information is shared only with authorised personnel responsible for investigating the concern.
• No whistleblower acting in good faith will be subjected to harassment, intimidation, retaliation, or victimisation.

Our Investigation Process

Every report received is carefully assessed by the appropriate officers of the Bank.

Where necessary, a formal investigation will be conducted, and appropriate corrective, disciplinary, or legal action will be taken based on the outcome of the investigation.

Good Faith Reporting

Whistleblowing is intended to promote honesty, accountability, and ethical conduct.

Reports should therefore be made honestly and in good faith. Deliberately false, malicious, or misleading reports may result in appropriate disciplinary or legal action.

Our Commitment

The Board and Management of Cooperative Mortgage Bank Limited remain committed to fostering a culture of openness, accountability, and ethical behaviour.

We believe that speaking up helps protect our customers, employees, shareholders, business partners, and the integrity of our institution.

If you see something wrong, say something. Your voice matters.

 

Disclaimer

This Public Whistleblowing Statement is published to provide information on the Bank’s whistleblowing framework and reporting channels. While steps have been taken to ensure accuracy and completion of this publication, CMB shall not be held liable for any damage or loss incurred from the use or misuse of the information contained herein.