Code of ethics
Non-negotiable high standards
A commitment to high moral, ethical and legal standards are non-negotiable qualities that First National Bank Zambia expects from its employees.
FNB offers a network of branches for all your face to face banking requirements
Head Office
Postal Address
First National Bank Zambia Limited
PO Box 36187
Lusaka,
Zambia
Physical address
Stand number 22768
Acacia Office Park
Cnr Thabo Mbeki and Great East Roads
Lusaka,
Zambia
Telephone Numbers: +260 211 366 800
Fax Number: +260 211 253 057 / 250 602
Email:
fnb@fnbzambia.co.zm
Swift Code : FIRNZMLX
Acacia Premier Branch
Plot No 22768
Corner of Great East & Thabo Mbeki Rds
Branch code: 260039
Cairo Branch
Stand No. F037
Society Business Park
Cairo Rd Lusaka
Branch code: 260050
Chilenje Branch
Plot 150/27/4586
Chilumbulu road
Lusaka
Branch code: 260046
Chingola Branch
Shop No. 13
Park Mall
Cnr Kabundi/Freedom Ave
Branch code: 260322
Chipata Branch
Plot 646
Corner Pererinyatwa & Umodzi High way Roads
Chipata
Branch code: 261121
Choma Branch
Plot No ME46
Livingstone Road
Choma
Branch code: 261238
Commercial Branch
Plot No 22768
Corner of Great East & Thabo Mbeki Rds
Branch code: 260001
Industrial Branch
Plot 16808
Lumumba Road Industrial Area
Lusaka
Branch code: 260002
Kabulonga Premier Branch
Unit 63
Corner Bishop & Kabulonga roads
Centro Mall
Branch code: 260072
Kabwe Branch
Plot No. 87A
Buntungwa Avenue
Kabwe
Branch code: 260937
Kalumbila Branch
Plot 795
Central Business District
Branch code: 262874
Kitwe Industrial Branch
Mukuba Mall
6939 Freedom Way & Chiwala Ave
Kitwe
Branch code: 260247
Kitwe Main Branch
Plot 493/494
Zambia Way & Oxford Street
Branch code: 260212
Kitwe Private Clients
Office block 1
Stand no 7732
ECL Business Park
Branch code: 260261
Livingstone Branch
Plot No. 112
Mosi-o-Tunya Road
Livingstone
Branch code: 261061
Luanshya Branch
Stand No. 4
Zaone Avenue
Branch code: 260741
Lusaka Private Clients
Plot 35a/1
Lake Road
Woodlands
Branch code: 260061
Makeni Branch
Cosmopolitan Mall
Kafue Road
Lusaka
Branch code: 260016
Manda Hill Branch
Plot 19222
Zone 3 Building
MandHill Mall
Corner Great East & Manchinchi Road
Branch code: 260014
Mazabuka Branch
Plot No. 7a
Livingstone Road
Mazabuka
Branch code: 263613
Mkushi Branch
Plot No. 414
Independence Road
Branch code: 262319
Ndola Main Branch
Plot No. 2177
President Avenue
Town Centre
Branch code: 260103
Solwezi Branch
Plot No. 921
Kapiji Mall
Independence Avenue
Branch code: 262823
Located all around the country, please use the list below to find an automated teller machine (ATM) near you. We have listed them per city.
Branch ATM's
Chingola
Chingola Mall Branch
Chingola Copperbelt,
Kabundi
Park Mall Chingola
Chingola Lusaka,
Freedom Way
Chingola Copperbelt
Plot 617,
Kwasha Road
Starbucks
Chingola Copperbelt,
Plot 369A,
Mid Way Road,
Chililabombwe
Chipata
Chipata Branch
Chipata Zambia,
Corner of Parirenyatwa Road and Umodzi Highway
Katete
Chipata Eastern,
Great East Road
Choma
Choma Branch
Choma Zambia Main Road
Choma Branch ATM
Choma Southern Main Road Choma
Kabwe
Kabwe Branch
Kabwe Central Plot 87A
Mulungushi University
Kabwe Central Province Zambia Great North Road
Kalumbila
Kalumbila Branch
Kalumbila, Zambia Solwezi Road
Kalumbila Mine
Kalumbila North Western,
Kalumbila
Kalumbila North Western
Kalumbila Mine Solwezi
Kapiri
Kapiri ATM
Kapiri Zambia Kabwe Road
Kitwe
Mukuba Mall
Kitwe Copperbelt,
Corner of Chiwala Avenue and Freedom Avenue,
Kitwe
Luanshya Branch
Kitwe Kitwe,
Zaone Avenue,
Shop number 4
Kitwe Branch
Kitwe Copperbelt,
Union House 493/494 Zambian Way
Kitwe Private Suite
Kitwe,
Freedom Avenue,
Kitwe
Mukuba off-site
Kitwe Copperbelt,
Corner of Chiwala Avenue and Freedom Avenue Kitwe
Wusakile
Kitwe Copperbelt,
Ndola Kitwe Duel Carriage Way
Oxford road
Kitwe Copperbelt,
Oxford Road
Chimwemwe Offsite ATM
Kitwe Copperbelt,
Plot 100 Katilungu Road
Edinburg Hotel
Kitwe Copperbelt,
Stand 2557 Independence Road
Riverside off-site
Kitwe Copperbelt,
Almalik Street
ECL Mall
Kitwe Zambia,
ECL Mall Corner of Freedom and Independence Avenue
Kalulushi off-site
Kitwe Copperbelt,
Plot 272 Buteko Drive Kalulushi Kitwe
Nkana East off-site
Kitwe Copperbelt,
Plot 3680 Central Street,
Nkana East Kitwe
Kwacha East off-site
Kitwe,
Plot 71 Shop 2,
Kwacha East Kitwe
Chisokone off-site ATM
Kitwe Copperbelt,
Plot 100 Katilungu Road
Oryx Ndeke
Kitwe Copperbelt,
Kitwe Ndola Road
Parklands Mall
Kitwe Copperbelt,
Plot 643
Livingstone
Livingstone Main
Livingstone Southern,
Province Plot 112,
Mosi-o-tunya Road
Livingstone
Monze Zambia,
Mosi O Tunya Road,
Livingstone
Luanshya
Luanshya Mine
Luanshya Copperbelt,
Samfuel Petrol Station,
Luanshya Mine Ndola
Lusaka
Kabwata
Kabwata Zambia,
Along Burma Road
Chilenje Branch
Lusaka Zambia,
Chilumbulu Road
Manda Hill Branch
Lusaka,
Along Great East Road
Makeni Branch
Lusaka,
Along Kafue Road Lusaka
Lusaka Private Suite
Lusaka,
Corner Leopards Hill and Lake Road
Commercial Branch
Lusaka,
Stand no 22767,
Corner Great East And Thabo Mbeki Road
Industrial Branch
Lusaka,
Lumumba Road Plot no. 16808
Cairo Branch ATM
Lusaka,
Cairo Road
Kabulonga Suite
Lusaka Province,
Chindo Road
Shoprite East Park
Lusaka,
Great East Road
PHI Mall
Lusaka,
PHI
Puma Chainama Service Station
Lusaka,
Great East Road
Zambezi Ranching
Lusaka,
Zambezi Ranching
Inter City Puma
Lusaka,
Dedan Kimath Street
Livonia Mall
Lusaka,
Old Mumbwa Road
Chelston Buzzer Station
Lusaka,
Great East Road
Woodlands Novare Pinnacle
Lusaka,
Kabulonga Chindo Road
UTH off-site ATM
Lusaka,
Nationallist Road
Kamloops Mall
Lusaka,
Alick Ncarta Road
Mbanyane Waterfalls
Lusaka Province,
Plot 22 East Road
SGC Filling Station Mungwi
Lusaka,
Mungwi Road
Chilenje Choppies
Lusaka,
Chilene Mall
Downtown
Lusaka,
Downtown Shopping Mall,
Shop G16 Kafue Road
Arcades ATM
Lusaka,
Great East Road ATM Lobby
Kabulonga Offsite
Lusaka,
Kabulonga Shopping Mall,
Shop 18B Kabulonga
Makeni Mall
Lusaka,
Kafue Road
Crossroads off-site
Lusaka,
Leopards Hill Road
ODY'S Filling Station
Lusaka,
Lumumba Road
Radian Stores
Lusaka,
Great East Road Lusaka
Waterfalls Mall
Lusaka,
Great East Road Lusaka
Woodlands Shopping Centre
Lusaka,
Zambezi Road Lusaka
Novare Twinpalm
Lusaka,
Twinpalm Road
KK International Airport
Lusaka,
Airport Road
Leopards Hill Mall
Leopards Hill Mall,
Leopards Hill Road
Levy Shopping Mall
Lusaka,
Church Road,
Levy Junction Mall
PHI Mall
PHI Mall
Cosmopolitan Mall
Lusaka,
Kafue East Road
Vuma Service Station off-site ATM
Lusaka,
Kafue Road Lusaka
Kapata off-site
Lusaka,
Eastern Kapata Market
Society House off-site
Lusaka,
Cairo Road
Kabanana
Off Great North Road,
Kabanana Mall
Kafue
Lusaka, Kafue Town,
Riverside Mall
Foxdale Court off-site
Lusaka Province,
Zambezi Road
Novare Great North off-site
Lusaka,
Along Great North Road
Manda Hill
Plot 22768 Great East Road,
City Clothing,
Lusaka,
Cha Cha Road
Makeni
Lusaka,
Makeni Shopping Mall,
FNB Branch Makeni,
Mall Kafue Road Lusaka
Lusaka Mobile ATM
Lusaka,
Thabo Mbeki
Showgrounds ADT
Lusaka,
Ngwenya Road
Kabulonga Suite
Lusaka,
Zambia Chindo Road
LongArces
Lusaka Province,
Los Angeles Blvd
East Park Mall
Lusaka,
Corner of Great East and Thabo Mbeki Road
Kobil BenBella
Lusaka,
Corner Ben Bella and Lumuba Road Lusaka
Mazabuka
Mazabuka Branch
Mazabuka Southern Shop F2,
Livingstone Road
Mazabuka Sugar Farms
Mazabuka Southern Off-Livingstone Road,
Mazabuka
Neganega
Mazabuka Southern,
Livingstone Road
Mkushi
Mkushi Branch
Mkushi Copperbelt,
Plot 3539 Plot 414,
Independence Road Mkushi
Monze
Monze Southern Province,
Plot No. 670 Livingstone Road
Mufulira
Mufulira,
Mufulira Swaziland,
Buteko Avenue
Ndola
Jaracanda Mall
Copperbelt Province,
Along Kapiri-Ndola Road
Ndola Branch
Ndola Copperbelt,
Plot 50 Buteko Avenue Ndola
Kansenshi Mall
Ndola Copperbelt,
Kabwe Road opposite Jacaranda Mall
Jacaranda
Ndola Copperbelt,
Great North Road
Z-Mart
Ndola Copperbelt,
Pick n Pay Centre
Ndola Copperbelt
Stnd 4307 Cairo road Chibesankunda Road,
Lubuto market Masala Ndola
Broadway SGC
Ndola Copperbelt Subdivision G6 Broadway,
Roundabout Ndola
Chifubu
Ndola Copperbelt Stand no. CH 108,
Hard K Shopping Complex Ndola
Kafubu Mall ATM
Ndola Copperbelt,
Cnr Nkana and President streets
Solwezi
Solwezi Branch
Solwezi North Western,
Plot 2 Independence Road
Solwezi SGC
Solwezi North Western,
Plot Number 8169 Idependence Road
Solwezi Choppies ATM
Solwezi North Western,
Kansanshi Road
Solwezi City Mall ATM
Solwezi North Western,
Independence Road
Kapiji
Solwezi North Western,
Independence Avenue
Forms that will assist you to complete the new SI 55 forms
For your convenience we have provided you with example forms that will assist you to complete the new SI 55 forms. Below is a list of example and actual forms which you can download.
Example forms
Export/Receipt Monitoring Form
Import/Remittance Monitoring Form
Private External Borrowing/Lending Registration Form
Actual forms for completion
Export/Receipt Monitoring Form
Export/Receipt Monitoring Form (Continued)
Import/Remittance Monitoring Form
First National Bank Zambia is committed to a policy of fair dealing and integrity in the conduct of its business. This comment rests on the fundamental belief that business should be conducted honestly, fairly and within the framework of applicable laws.
First National Bank Zambia expects employees to share its commitment to high moral, ethical and legal standards, and be committed to contribute to the commercial success of First National Bank Zambia, achieved against this ethical background.
Adherence to this Code is a strategic business imperative and a source of competitive advantage.
The purpose of the Code is to promote and enforce ethical business practices and standards within First National Bank Zambia and to provide a benchmark for all behaviour. All employees are requested to take careful note of the contents of this Code and ensure that they comply with both the written word and the spirit of the Code.
This Code of Ethics applies to:
All persons listed above are individually and/or collectively referred to as 'employees' in this Code.
In practicing this Code, all employees are expected to:
If employees are in doubt about how to apply the Code, they should discuss the matter with the person to whom they report.
First National Bank Zambia may, from time to time, and after consultation with staff representative bodies, amend the Code and these changes will be communicated to all employees.
If employees become aware of, or suspect a contravention of the Code, they must promptly and confidentially advise First National Bank Zambia as set out in the section 'Contravention of the Code'.
Employees must comply with the applicable laws, rules and regulations which relate to their activities for and on behalf of First National Bank Zambia.
Employees may not break the law or enter into unethical business practices, including taking money for, or taking part in, any unlawful act/s including but not limited to bribery, fraud, theft or money laundering.
Employees must ensure that their behavior cannot be interpreted in any way as contravening any laws and rules that govern the operations of First National Bank Zambia. Employees should ensure that they are not involved in any form of dishonesty, deceit or misrepresentation, during or after working hours, that may affect First National Bank Zambia or the employment relationship.
First National Bank Zambia will not condone any violation of the law or unethical business practices by any employee. An employee who has to appear in a court of law, on a matter which may affect First National Bank Zambia, either on his/her own behalf or as a representative of First National Bank Zambia, should inform his/her immediate senior with immediate effect.
First National Bank Zambia supports:
Copies of these documents and all applicable acts are kept in the Compliance/Internal Audit Departments and are available for reference to all employees.
Employees should, at all times, ensure that First National Bank Zambia's assets, including copyright and intellectual property, are used for lawful business purposes only, and remain the sole property of First National Bank Zambia.
When using material in substantially the same form as prepared by other persons, employees should acknowledge the author or publisher of that material.
Managers shall:
First National Bank Zambia acknowledges and respects the right of all employees to make personal investment decisions as they see fit, as long as these decisions do not contravene the provisions of the Code, any applicable legislation, or any policies or procedures established by the various operating areas of First National Bank Zambia.
This includes the provision that these decisions are not made on the basis of material confidential information obtained by reason of their employment.
Employees may enter into personal account joint trading, provided that the trading:
Gifts, hospitality and favours
Financial services officials have a specialized position in the business world which places them in situations where efforts will surely be made to influence their discretion.
Conflicts of interest can arise when employees are offered gifts, hospitality or other favours that may, or could be perceived to influence their judgment in relation to business transactions such as placing orders and contracts or procuring clients and accounts.
Employees may under no circumstances accept gifts that can be regarded as bribes e.g. valuable and expensive gifts, airline tickets etc.
Any gift that has the potential to affect that employee's future objectivity or places that employee under any obligation, is not acceptable, unless fully approved by the employee's senior. Cash gifts may not be accepted under any circumstances.
Any offer of this kind must be declined politely or returned to the sender immediately, if it is delivered without prior notice. The onus is on the employee to seek clarification from his senior in the event of uncertainty. Accepting small gifts such as promotional items, company pens, or items of limited value, would not be regarded as breaking this Code.
Occasional personal hospitality, such as tickets to local sporting events or theatres may be accepted, provided that the person receiving the favour pays for any travel or accommodation him/herself. If an employee receives an invitation to out-of-town events, trips or promotions involving travel and accommodation arrangements that the employee does not pay for him/herself, he/she should obtain approval from the head of the business unit. Employees should follow the same guidelines when handing out gifts to clients.
Outside activities, employment and directorships
We all share a very real responsibility to contribute to our local communities, and First National Bank Zambia encourages employees to take part in religious, charitable, educational and civic activities.
Employees should, however, avoid taking part in any activity outside First National Bank Zambia which would constitute an unreasonable demand upon their time, attention and energy and which would hinder their job performance/best efforts on the job.
Valid participation in the activities of the recognized trade union would not constitute a conflict of interest. A conflict of interest is a duty, interest or distraction that would interfere with his/her independent judgment in First National Bank Zambia's best interest.
Employees should obtain prior written permission from First National Bank Zambia to hold any employment and/or interest in any business undertaking, outside First National Bank Zambia, including any temporary employment. Employees must therefore obtain prior approval from their immediate senior before accepting any appointments as a director of public or private company is outside First National Bank Zambia (See Appendix I)
Employees should ensure that they are independent, and are perceived to be independent, from any business organization having a contract with First National Bank Zambia or providing goods or services to First National Bank Zambia.
Employees may not invest in, or obtain a financial interest, directly or indirectly, in such a business organization, other than shareholdings in public companies.
No employee may accept commissions or other payments related to the sale of any product or service belonging to First National Bank Zambia except as specified in the employee's terms of employment. Employees may only sell authorized products and services.
No employee may accept payment or commission of any kind from a customer, supplier, etc
The employee acknowledges that he/she will accumulate, during the course of his/her employment with First National Bank Zambia, a considerable amount of information, which he/she acknowledges to be of a confidential nature, the employee acknowledges responsibility for ensuring the protection of such information and will not divulge it in any unauthorized manner.
No information, financial or otherwise, regarding any clients of First National Bank Zambia may be provided to outsiders, without the prior written permission of the client.
Only executive management or the designated spokesperson may, as a general rule, communicate publicly regarding with First National Bank Zambia's position on public policy or industry issues.
Employees should conduct themselves in accordance with the highest personal and moral standards and should not behave in any manner that may bring First National Bank Zambia into disrepute. Employees should maintain their personal financial affairs in a proper and responsible manner, within their financial means, and immediately report any sensitive situation that may have a negative impact on the employee's position or performance or that of First National Bank Zambia.
First National Bank Zambia accepts that employees participate in the political process and respects their right to privacy, freedom of association, etc. with regard to personal political activity. First National Bank Zambia funds, goods or services, however, may not be used as contributions to political parties or their candidates.
Employees should separate their personal roles from First National Bank Zambia's position when communicating on matters not involving First National Bank Zambia's business.
First National Bank Zambia is committed to providing a safe work environment for all employees in terms of the law and supports environmental management where it is applicable.
The Groups Employment Equity Policy ensures compliance with the Employment Equity Act and the Group is committed to achieving the purposes of the Act, namely:-
The Group therefore promotes a system of equal opportunity and equal treatment for all and rejects any form of tokenism, window dressing, 'jobs for loyalty' employment.
The Group commits itself to creation of an environment within which an employee can assure his/her own employability, inside or outside the organization.
Non-compliance with the Code is a serious and disciplinary offence. Any investigation into suspected or possible breaking of the rules must be kept confidential.
If an employee is of the belief that his/her conduct may have contravened the Code, this should be immediately reported to his/her senior, who will take the necessary action.
If an employee becomes aware or suspects that someone else within First National Bank Zambia has or may have contravened the Code, this information should also be reported immediately to his/her senior, preferably in writing and in a confidential manner. The employee should not confront the individual concerned to ensure confidentiality and for the matter to be investigated objectively
All information received even anonymously should be reported to First National Bank Zambia.
Non-compliance with the Code may lead to disciplinary action being taken against an employee, which may lead to dismissal. Certain breaches of the Code could also culminate in civil or criminal proceedings. This Code and its Principles as set out above are to be implemented throughout First National Bank Zambia.
1. Definition of outside interests to be disclosed:
The onus rests on employees and directors to disclose all potentially conflicting interests.
2. Procedure for Disclosure
This information should be disclosed on the Declaration of Interest Platform https://sites.FNBZ.co.za/GroupDoi/
Details of the interest are required in order to decide whether the interest conflicts with First National Bank Zambia business.
The Constitution of Zambia provides for the protection from slavery and forced labour whereas the Anti-Human Trafficking Act No. 11 of 2008 as Amended and the Penal Code both criminalize the offence of slavery and trafficking of persons. FNB Zambia therefore adopts a zero-tolerance approach to slavery and human trafficking and will not knowingly hold a direct or indirect relationship with persons or entities engaged in slavery or human trafficking.
Purpose and scope of this code
Application and General Obligations
Compliance with laws and regulations
Compliance/Internal Audit departments
Relationships with customers and suppliers
Confidentiality and Protection of information
Procedure in declaring outside interests (Appendix I)
Code of ethics
A commitment to high moral, ethical and legal standards are non-negotiable qualities that First National Bank Zambia expects from its employees.
