Governance
Whistleblowing Policy
Ryt Bank (“the Bank”) strives to conduct its business with the highest standard of integrity with good ethics and conduct practices. To uphold this aspiration, the Bank has instituted a Whistleblowing Policy as a guiding principle, emphasising zero tolerance for any improper conduct. Anyone who has knowledge or is aware of any improper conduct of any Bank Staff or Associated Person is encouraged to make a report/disclosure in good faith to the relevant Designated Person.
How to make a report and to whom:
Whistleblowing report may be sent via email or letter to the relevant Designated Person below:
| Person Being Reported | Designated Person | Communication Channels |
|---|---|---|
| Any Bank Staff¹ or Associated Person² | Chairman of Board Audit Committee | Via email: speakup@rytbank.my Via letter (in a sealed envelope): To be opened by the Chairman of the Board Audit Committee only YTL Digital Bank Berhad (formerly known as Sea Capital Services Berhad) Level 37, Menara Southpoint Mid Valley City, Lingkaran Syed Putra 59200 Kuala Lumpur |
| Chairman of Board Audit Committee | Chairman of Board | Via email: speakup@rytbank.my Via letter (in a sealed envelope): To be opened by the Chairman of the Board only YTL Digital Bank Berhad (formerly known as Sea Capital Services Berhad) Level 37, Menara Southpoint Mid Valley City, Lingkaran Syed Putra 59200 Kuala Lumpur |
¹Bank Staff means all staff of the Bank, whether temporary, fixed-term, or permanent.
²Associated Person means any directors, staff, seconded staff, interns, representatives, agents of the Bank including vendors, contractors, sub-contractors and any other entities that perform works or services for or on behalf of the Bank or any other person(s) associated with the Bank.
Whistleblowing Form
Click to download the Whistleblowing Form.
Confidentiality
The whistleblower’s identity and information will be kept confidential at the highest level.
Ryt Bank's Anti-Bribery and Corruption ("ABC") Policy Statement
Ryt Bank (“the Bank”) promotes the highest standards of integrity and ethical conduct in all our business dealings and relationships. The Bank maintains a zero-tolerance position towards bribery and corruption and firmly upholds all laws and regulations relating to anti-bribery and corruption. The Bank has instituted an ABC Policy outlining our commitment in implementing and enforcing ABC TRUST Programme to mitigate bribery and corruption risks (Ryt Bank’s ABC Policy Statement).
Ryt Bank's Anti-Money Laundering, Countering Financing of Terrorism, Countering Proliferation Financing and Targeted Financial Sanctions (AML/CFT/CPF & TFS) Commitment Statement
Ryt Bank (“the Bank”) reaffirms its unwavering commitment to safeguarding the integrity of the financial system by effectively managing risks related to money laundering (ML), terrorism financing (TF), proliferation financing (PF), and sanctions evasion. The Bank takes a proactive and responsible approach through the establishment of a comprehensive Anti-Money Laundering (AML) framework, supported by strong governance, robust policies, procedures, and advanced systems and processes that are aligned with regulatory requirements and expectations.
Key components of the AML framework include:
- Board and Senior Management oversight of the framework, development, implementation, and management of Anti-Money Laundering, Countering Financing of Terrorism, Countering Proliferation Financing and Targeted Financial Sanctions (AML/CFT/CPF & TFS) risks.
- Ensuring that customers that pose too great a risk are neither onboarded nor maintained.
- Accurate and consistent risk classification of customers for effective ML, TF, PF, and sanctions risks management.
- Effective data management and analysis to enhance the efficiency of risk management in mitigating ML, TF, PF, and sanctions threats.
The Bank’s AML framework underscores its dedication to comply with requirements of the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 as well as the AML/CFT/CPF &TFS regulatory requirements of Bank Negara Malaysia and other relevant authorities.
Constitution
Financial Reports
Quarterly financial statements
Q1 2025 Unaudited Interim Financial Statements
Q2 2025 Unaudited Interim Financial Statements
Q3 2025 Unaudited Interim Financial Statements