United Commercial Bank Limited

KYC Profile Form (Impersonal Account)

Confidential and to be filled up by Bank Only

__________________________Branch

Date: _____________________
1. CIF No: ________________________________________________________
2. KYC Reference No: _________________________________________________________
3. Account No: ________________________________________________________
4. Title of Account: ________________________________________________________
5. Type of Account: ________________________________________________________
6. Type of Organization/Firm (In details): ________________________________________________
7. Net Worth of Organization/Firm:
8. Source(s) of Fund (In details):
9. Describe what types of documents have been collected for ensuring sources of fund:
a)
b)
c)
Collected documents have been verified :  Yes No
10. How the addresses of the organization/Firm have been verified? (in details) ..........................................
....................................................................................................................................................................
11.Whether Beneficial Owner(s) of the account exists or not:  Yes No
If yes, then KYC of each of the beneficial owner has to be collected as per “Beneficial Owners’ Form”
(In case of partnership/limited company, KYC of shareholder holding 20% or more shares has to be
performed as per “Beneficial Owners Form”. Besides, KYC of the shareholder/partner having controlling
authority has also to be performed)
Photocopy Obtained Verified
12. Electronic Tax ID (E-TIN) No: .................................... if applicable
13. VAT Registration No ......................................... if applicable
14. Registration No of Organization/Firm: ..........................  if applicable
15. Other Documents.................................  if applicable
16. Purpose of opening account of Foreign Company/Organization (if applicable):
.....................................................................................................................................................................

a) Name of the Concerned Controlling Authority: .....................................................................................

b) Approval Related Information: ..............................................................................................................

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 17.Whether any Politically Exposed Person (PEP)/Influential Person (IP)/a CEO or Top Level Officials of any
International Organization or their family member/close associates has any interest with or is in any sort
of relation with the firm/organization? (if applicable)

 Yes  No
If Yes: -
a) whether approval of Senior Management has been obtained or not:  Yes  No

b) whether face-to-face interview of customer has been taken place or not:  Yes  No

18. Whether the name of the customer has been found “positive match” with the name of the
person/entity enlisted under different resolutions of UN Security Council for suspicion of involvement
in the terrorist activities, financing of terrorism and financing in proliferation of weapons of mass
destruction or with the name of the person/entity blacklisted by the government of Bangladesh?”

 Yes  No

a) If yes, then mention the details of the actions taken.

19.What is the nature of business of the Organization/Firm?

Customer’s Business Score Customer’s Business Score

Jewellery/Gold/Valuable Metals Business 5 NGO/NPO 5
Money Changer/Courier Service/Mobile
5 Film Production/Distribution agency 5
Banking Agent
Mobile phone operator/internet or cable
Real Estate Developer/Agent 5 5
TV operator.
Promoter/Contractor: Construction Intermediary of buying/selling of
5 5
Projects land/house
Art and Antiquities Dealer 5 Insurance/brokerage agency 5
Restaurant/Bar/Night Islamic Institute/organization &
5 5
Club/Parlour/Residential Hotel educational Institute
Export/Import & Export/Import Agent 5 Trust 5
Manpower export 5 Business (Petrol Pump/CNG Station) 5
Firearms 5 Ship Breaking business 5
RMG/Garments
5 Bank/leasing/Finance Company 4
Accessories/packaging/Buying House
Share/Stocks dealer, broker, portfolio
5 Business (indenting) 4
manager, merchant banker.
Software/Information and Technology
5 Business (outsourcing) 4
business
Law firm/engineering firm/consultancy
Offshore/Non-Resident Corporation 5 4
firm
Fuel & electricity Producing company 4 Service Provider 3
Print & Electronic Media 4 Tobacco and Cigarettes Business 3
Travel Agent/Tourism Company 4 Amusement Park/Entertainment Provider 3
Merchant over 10 million investment in
4 Motor Parts Trader/Workshop 3
business

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Chain Store/shopping mall 4 Poultry/dairy/fishing firm 2
Freight/Shipping/Cargo Agent/C&F agent 4 Agro business/rice mill/beverage 2
Automobiles business (New or Small Business (Investment below BDT 5
4 2
Reconditioned) million)
Leather/Leather goods Business 4 Computer/Mobile Phone Dealer 2
Construction Materials Trader 4 Manufacturer (except weapons) 2
Business Agent 3 Transport Operator 3
Business (medicine production and
Thread/"Jhut" Merchant 3 3
marketing)
Cold storage business 3 Business (Advertisement) 3
Others (specifically): 01-05

Customer’s Profession

Customer’s Profession Score Customer’s Profession Score

Pilot/Flight Attendant 5 Government service 3

Trustee 5 Landlord/Homeowner 3
Professional (Journalist, Lawyer, Doctor,
Engineer, Chartered Accountant, etc.) 4 Private Service: Managerial 3
Teacher (Public/Private/Autonomous Educational
Director (Private/Public Limited Company) 4 Institution) 2
High Official of Multinational Company
(MNC) 4 Private Sector Employee 2
Homemaker 4 Self-employed Professional 2
Information Technology (IT) sector
employee 4 Student 2
Athlete/Media
Celebrity/Producer/Director 4 Retiree 1
Freelance Software Developer 4 Farmer/Fisherman/Labourer 1
Others: 01-05
20. Other Risks:
a) Type of On-boarding Score
Branch/Relationship Manager 2
Direct Sales Agent 3
Walk in 3
Internet/ non- face to face 5

b) Relationship Risk: Answer Score

As per BFIU Circular, is customer a PEP/IP/CEO or Top level official of
International Organization ?
No 0
Yes 5
As per BFIU Circular, is customer a family member/close associate of
PEP/IP/CEO or Top level official of International Organization?
No 0
Yes 5

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 c) Geographic Risk: The customer is… Score
Non Resident Risk
Resident Bangladeshi 1
Non-resident Bangladeshi 2
Foreign Citizen 3
For Foreigners: Risk Classification on basis of Birthplace/Country of Citizenship:
Does the customer’s country of citizenship fall in the “Jurisdiction under increased
monitoring” as well as in the “High risk jurisdiction subject to a call for action” or whether the
Customer is enlisted in UN or any other sanctioned list?
Answer: Yes
5
No
1

d) Product/Service and Channel Risk

Type of Product / Service Score
Savings Account 1
Current Account 4
Fixed Deposit Account 3
Deposit Scheme up to 12 Lac 1
Deposit Scheme above 12 Lac 3
FC Account 5
S.N.D. 3
R.F.C.D. 5

e) Transactional Risk
What is the customer's average yearly transaction? Score
Less than Taka 10 Lac 0
Taka 10 Lac to up to 50 Lac 1
Above Taka 50 Lac to 5 Crore 2
Above Taka 5 Crore 4

f) Transparency Risk: Has the customer provided credible source of funds?

Answer Score
Yes 1
No 5

g) Business and Activity Risk: Score

(a) Business:
Please pick from the list of business above and put the relevant score in the column
(b) Profession:
Please pick from the list of nature of profession above and put the relevant score in the column

21. Total Risk Score: ___________________

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22.Overall risk assessment.

Summation of Risk Score Overall Risk Rating

>= 15 High
<15 Low

Comments on Risk Assessment (If Any)

On subjective judgement, considering high risk status of beneficial owner and the other risks, the customer may be considered
as High Risk despite getting the assessed risk score below 15

Prepared by: Verified By

Account Opening Officer/Relationship Manager Branch Manager/BAMLCO
Signature Signature
with date with date

Name Name
Name Seal Name
Seal

_____________________________________________
In case of PEP/IP/CEO or top level officials of International Organization, please attach the copy of
CAMLCO’s Endorsement.

23.Information of last review and update of the Customer’s Account and Customer:

Date of Review Name of Compliance Officer Employee ID of Signature with seal &
& Update Compliance Officer date

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