E-Forms Customers Account Opening & Identification form - MSME & Corporate Customers Account Opening & identification form - MSME & Corporate 1. Account Category * Regular Saving Account / መደበኛ የቁጠባ ሂሳብ Hybrid Deposit Account Interest plus Bonus Account Regular Current Account Current Account Protection Scheme Hawala Saving Account Other (Specify)Other (Specify) Do you need a Passbook * Yes No 2. Type of Entity * Sole Proprietors PLC Unions and coop Embassy Religious Institution Government Partnership Share Company CorporationCorporation Agent Political Org OtherOther 3. Application Detail Name of the Organization / Individual * TIN Number (For current account) Section Buttons Permanent Address Country * AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBulgariaBurkina FasoBurundiCôte d'IvoireCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCook IslandsCosta RicaCroatiaCubaCuracaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMacedoniaMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth KoreaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarReunionRomaniaRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying IslandsUruguayUzbekistanVanuatuVatican CityVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabwe Region * City * Mobile Number * Subcity Woreda House No. Section Buttons Fax Email * Website P.O.Box Business Sector * Number of Shareholders (For Corporate entities) Annual Sales Turnover * Total Asset Value Total Capital Value Section Buttons Annual Income * 0 - 1,000,000 Birr 1,000,001 - 3,000,000 Birr 3,000,001 - 15,000,000 Birr 15,000,001 - 30,000,000 Birr 30,000,001 - 60,000,000 Birr 60,000,001 - 100,000,000 Birr If >100,000,000, Please SpecifyIf >100,000,000, Please Specify To be filled only by Sole Proprietorship Date of Birth Place of Birth Gender Male Female Nationality Marital Status Married Single OtherOther Section Buttons 4. Initial Deposit By Cheque Transfer OtherOther 5. Account maintained in other Branches of Dashen Bank Account No. Branch Account Status Active Inactive Account No. Branch Account Status Active Inactive Account No. Branch Account Status Active Inactive Section Buttons 6. Cheque Requisition * 25 7. Please choose the Alternate channel services you would like to have Amex Gold Card Amex Green Card Amole Mobile/Internet Banking SMS Banking 8. Please choose language for SMS Service * Amharic English Somali Afan Oromo TigrinyaTigrinya 8. Which Media of communication is suitable for your ongoing relationship with the Bank * Telephone SMS Email P.O.BoxP.O.Box OtherOther 9. How did you hear about the Bank * TV Advertisement Newspaper Advertisement Customer referral Radio Advertisement Radio Advertisement Customer relationship personnel OtherOther 10. Identification of those who have authority to open and operate the account and specimen signature 10.1. Name * Address (For Corporate entities) Telephone Number * ID Number Section Buttons 10.2. Name Address (For Corporate entities) Telephone Number ID Number Section Buttons 10.3. Name Address (For Corporate entities) Telephone Number ID Number Section Buttons 10.4. Name Address (For Corporate entities) Telephone Number ID Number Section Buttons 10.5. Name Address (For Corporate entities) Telephone Number ID Number Section Buttons Notice for Current Account Holders Only 1. If your account does not show any movement for six months, the amount will be considered as dormant and be transferred to Inactive Accounts. If the A/C shows zero balance for consecutive 3 months, the A/C will be closed. 2. If the balance in each inactive account is less than birr 200, a charge of birr 20 will be deducted at the end of every six months, and if the balance is birr 20 or less, the whole balance thereof will be charged and the account will be closed. In this case the customer should return the remaining cheque leaves to the Bank. 3. The bank will dispatch statement of account monthly and for inactive accounts every six months. 4. A cheque drawn against insufficient funds shall entail penalties as per the prevailing (current) NBE’s directives. 5. The Bank may send SMS alert to provide information on transactions. The service is provided “As available” without making any further investigation and doesn’t warrant its fitness for another purpose. The Bank doesn’t warrant that this service will always be uninterrupted or the information provided is accurate and current at the time it is received. 6. The Bank reserves itself the right to alter or add to these rules at any time. Confirmation * I certify that the document and information presented for the application is complete, accurate & factual Section Buttons Submit Customers Account Opening & Identification form - Retail Customer Customers Account Opening & identification form - Retail Customer 1. Account Category * Regular Saving Account Saving plus Account Student Account Regular Current Account Current Account Protection Scheme Hawala Saving Account Modified Youth Saving Account Interest plus Bonus Account Other (Specify)Other (Specify) Do you need a Passbook * Yes No 2. Personal Information of Applicant First Name * Father's Name * Grandfather's Name * TIN Number (For current account) Date of Birth * Place of Birth Gender * Male Female Nationality * Marital Status Married Single OtherOther Section Buttons Permanent Address Country * AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBulgariaBurkina FasoBurundiCôte d'IvoireCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCook IslandsCosta RicaCroatiaCubaCuracaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMacedoniaMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth KoreaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarReunionRomaniaRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying IslandsUruguayUzbekistanVanuatuVatican CityVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabwe Region * City * Mobile Number * Subcity Woreda House No. Section Buttons Is your current address the same as permanent address * Yes No Current Address Country * AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBulgariaBurkina FasoBurundiCôte d'IvoireCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCook IslandsCosta RicaCroatiaCubaCuracaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMacedoniaMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth KoreaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarReunionRomaniaRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying IslandsUruguayUzbekistanVanuatuVatican CityVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabwe Region * City * Mobile Number * Subcity Woreda House No. Section Buttons Fax Email Website P.O.Box ID Type * Number * Issuer * Issue Date Expiry Date Section Buttons Occupation * Public Sector Employee Unemployed International Organization Employee Private Sector Employee Housewife Self-employed Religious Organization Employee NGO Employee Student Retired Other (Specify)Other (Specify) Name of Employer Position Held Profession Monthly Income * 0 - 650 Birr 651 - 25,000 Birr 25,001 - 50,000 Birr 50,001 - 100,000 Birr 100,001 - 150,000 Birr 150,001 - 200,000 Birr 200,001 - 250,000 Birr Above 250,000 BirrAbove 250,000 Birr 3) Please choose the Alternate channel services you would like to have * Amex Gold Card Amex Green Card Amole Mobile/Internet Banking SMS Banking 4. Please choose language for SMS Service * Amharic English Somali Afan Oromo TigrinyaTigrinya 5. Initial Deposit * By Cheque Transfer Amount * 6. Account maintained in other branches of Dashen Bank [Applicable only if you already have account(s)] Account No. Branch Account Status Active Inactive Account No. Branch Account Status Active Inactive Account No. Branch Account Status Active Inactive Section Buttons 7. Cheque Requisition * 25 8. Which Media of communication is suitable for your ongoing relationship with the Bank Telephone SMS Email P.O.BoxP.O.Box OtherOther 9. How did you hear about the Bank TV Advertisement Newspaper Advertisement Customer referral Radio Advertisement Radio Advertisement Customer relationship personnel OtherOther Notice for Current Account Holders Only 1. If your account does not show any movement for six months, the amount will be considered as dormant and be transferred to Inactive Accounts. If the A/C shows zero balance for consecutive 3 months, the A/C will be closed. 2. If the balance in each inactive account is less than birr 200, a charge of birr 20 will be deducted at the end of every six months, and if the balance is birr 20 or less, the whole balance thereof will be charged and the account will be closed. In this case the customer should return the remaining cheque leaves to the Bank. 3. The bank will dispatch statement of account monthly and for inactive accounts every six months. 4. A cheque drawn against insufficient funds shall entail penalties as per the prevailing (current) NBE’s directives. 5. The Bank may send SMS alert to provide information on transactions. The service is provided “As available” without making any further investigation and doesn’t warrant its fitness for another purpose. The Bank doesn’t warrant that this service will always be uninterrupted or the information provided is accurate and current at the time it is received. 6. The Bank reserves itself the right to alter or add to these rules at any time. Confirmation * I certify that the document and information presented for the application is complete, accurate & factual Select Branch Submit Interest Free Banking (IFB) Registration Interest Free Banking (IFB) 1. Account Category * ወዲዓህ ቁጠባ ሒሳብ / Wadiah saving account ሙዳረባህ ቁጠባ ሒሳብ / Mudarabah Saving account ቀርድ የተንቀሳቃሽ ሒሳብ / Qard current account ሌላ / Other 2. Type of Entity * ማህበራት / Unions and Coop. ኃ/የተ/የግ/ማህ / PLC አ.ማ. / S.C መ.ያ.ድ / NGO ኤምባሲ / Embassy የእምነት ተቋማት / Religious Institution የመንግስት / Government የሽርክና ማህበር / Partnership የፖለቲካ ድርጅት / Political orgn. ሌላ / Others 3. Applicant Detail የድርጅቱ ሥም / Name of the organization * የግብር መለያ ቁጥር / TIN * ቋሚ አድራሻ ከተማ / Permanent Add Town * ክ/ከተማ / Sub-city * ወረዳ / Woreda ስልክ / Tel. * ቋሚ አድራሻ ከተማ / Permanent Add Town * Section Buttons 4. Prior Bank Reference ዳሸን ባንክ / Dashen Bank ሌላ ባንክ / Other Bank ሂሳብ ቁጥር / Acc No ቅርንጫፍ / Branch የሚንቀሳቀስ / Active የማይንቀሳቀስ / Inactive Section Buttons 5. Initial Deposit * በጥሬ ገንዘብ / In cash በቼክ / By cheque መጠን / Amount * 6. Cheque Requisition * 10 25 50 100 የቼክ ደብተር ብዛት / Quantity * የወደፊት ፍላጎት / Frequency of Need 7. e-Banking service * ኢንተርኔት ባንኪንግ / Internet Banking በአጭር መልእክት የባንክ አገልግሎት / SMS Banking 7.1 ኢ-ስቴትመንት / e-statement facility * በወር / Monthly በ3 ወር / Quarterly በ6 ወር / Half yearly የክፍያ ትእዛዝ / Invoice Settlement ሌላ / Others 8) Certification እኔ/እኛ ከዚህ በታች የፈረምኩት/የፈረምነው ይህንን ማመልከቻ ስሞላ/ስንሞላ የሰፈሩትን መመሪያዎችን አንብቤ/አንብበን የተገነዘብኩ/ብን መሆኔን/ናችንን እንዲሁም ባንኩ ለወደፊት የሚያወጣቸውን ማሻሻያዎች የምቀበል/የምንቀበል መሆኔን/ናችንን እያሳወቅሁ/ን፤ ከዚህ ሂሳብ ጋር በተያያዘ አሁን በስራ ላይ ያሉትን የባንኩን ደንብና መመሪያዎችንም የምቀበል/የምንቀበል መሆኔን/ናችንን እየገለፅኩ/ን ከላይ በጠቀስኩት/ነው ስም መሰረት የባንክ ሂሳብ እንዲከፈትልኝ/ን እጠይቃለሁ/እንጠይቃለን :: በተጨማሪም በዚህ ማመልከቻ የሰጠኋቸው/ናቸው መረጃዎችም ሆኑ ያቀረብኳቸው/ናቸው ሰነዶች ትክክለኛ መሆናቸዉን አረጋግጣለሁ/እናረጋግጣለን፡፡ I/we, the undersigned hereby request to open account in the name as stipulated herein. By signing this application form, I/we have read and understood the terms and conditions governing the account(s) and service(s) and agree to be bound by same & any amendments to be made by Dashen Bank SC. I/We certify that the documents and information presented for this application is complete, accurate and factual. 9. Signatories ሒሳቡን እንዲከፍት/ቱ ስልጣን የተሰጠው/የተሰጣቸው/ ኃላፊ/ዎች መረጃ / Identification of those who have authority to open the account ተ.ቁ / S.N * ስም / Name * አድራሻ / Address * ስልክ ቁጥር / Tel. No. * ፊርማ / Signature * Section Buttons ደምብ እና ግዴታዎች ድምብ እና ግዴታዎች 1. እነዚህ ደንብና መመሪያዎች ተፈጻሚነት የሚኖራቸው በኢትዮጵያ ሕግጋት፣ በኢትዮጵያ ብሔራዊ ባንክ ደንቦች እና መመሪያዎች፣ በዳሽን ባንክ መመስረቻ ጽሑፍ እና መተዳደሪያ ደንብ፣ በዳሽን ባንክ ፖሊሲዎች እና የአሠራር መመሪያዎች እንዲሁም በዳሽን ባንክ የሸሪዓ አማካሪ ኮሚቴ ውሳኔ/ፈትዋ እና ድንጋጌዎች መሠረት ነው፡፡ 2. ከወለድ ወይም ከአራጣ፣ ከቁማር እና ተመሳሳይ ጠባይ ካላቸው የዕድል ጨዋታዎች፣ ከአሳማ ሥጋ ፣ ከሞቱ እንስሳት ስጋ እና ደም እንዲሁም ከማንኛውም አልኮል ወሲብ ንግድ እና ሌሎች ከወለድ ነጻ የባንክ አሰራር መርህ ጋር ከማይጣጣሙ ተግባራት የተገኘን ገንዘብ ገቢ ማድረግ አይፈቀድም፡፡ ይህንን ባላከበረ አስቀማጭ ላይ ባንኩ ሒሳቡን የመዝጋት እና በገንዘብ የመቅጣት እርምጃ ሊወስድ ይችላል፡፡ 3. በሒሳቡ ባለቤት ወይም ህጋዊ ወኪል ሌላ ተለዋጭ ትዕዛዝ ካልተሰጠ በስተቀር ሒሳቡ የሚንቀሳቀሰው በባንኩ በተቀመጠው የፊርማ ናሙና ይሆናል፡፡ 4. ደንበኛው የሂሳቡ መጠሪያ ስም እንዲቀየር በሚጠይቅበት ጊዜ በሂሳቡ ባለቤት ወይም ሕጋዊ ወኪል የስም ለውጡ ሥልጣን በተሰጠው አካል የጸደቀ መሆኑን የሚያሳይ ሰነድ ማቅረብ አለበት፡፡ 5. ባንኩ ለደንበኛው በቅድሚያ ማሳወቅ ሳያስፈልገው ለተሰጡ አገልግሎቶች ሊከፈሉ የሚገባቸውን የአገልግሎት ክፍያዎች ወይም ኮሚሽን ወይም ወጪ ከደንበኛው ሒሳብ ላይ ተቀናሽ ሊያደርግ ይችላል፡፡ 6. የቼክ ደብተሮች፣ ኤሌክትሮኒክ ካርዶች ፣የግል መለያ ቁጥሮች ከተዘጋጁበት ጊዜ ጀምሮ ቢዘገይ በስድስት ወራት ጊዜ ውስጥ ደንበኛው ሳይረከባቸው የቀረ እንደሆነ ባንኩ ሊያስወግዳቸው ይችላል፡፡እነዚህን አገልግሎቶች በድጋሚ ለማግኘት ደንበኛው ማመልከቻ ማስገባት እና ክፍያ መፈጸም ይኖርበታል፡፡ 7. ማየት የተሳናቸው ወይም መሠረታዊ ትምህርት ያላገኙ ደንበኞች የባንኩን አገልግሎት ለማግኝት በሚመለከተው የባንኩ ሰራተኛ ፊት የጣት አሻራ መጠቀም አለባቸው፡፡ ለሕጋዊ ወኪላቸው ካልሆነ በቀር የቼክ ደብተር ፣ ኤሌክትሮኒክ ካርድ ወይም የሞባይል ባንኪንግ አገልግሎት ባንኩ ለእነዚህ ደንበኞች አይሰጥም፡፡ 8. ማንኛውም ስህተት ካለ በባንኩ የሚደረግ ማሻሻያ ወይም ማስተካከያ በአግባቡ እስከተፈረመበት ድረስ ተፈጻሚ እና የጸና ይሆናል፡፡ ባንኩ በስህተት ለደንበኛው የከፈለ እንደሆነ ባንኩ ክፍያውን ተመላሽ እንዲደረግለት ሊጠይቅ እንደሚችል ደንበኛው ተገንዝበዋል፡፡ 9. በባንኩ ዘንድ የሚገኙ መረጃዎች/ሪከርዶች እና ሰነዶች በደንበኛው ሒሳብ ውስጥ የሚገኘውን ትክክለኛ የገንዘብ መጠን እንደያዙ ይቆጠራሉ፡፡ ሆኖም ግን ከዚህ ተቃራኒ የሆነ የይገባኛል ጥያቄ በሚቀርብበት ጊዜ የማስረዳቱ ሸክም የደንበኛው ይሆናል፡፡ 10. ደንበኛው ከዚህ ዓለም በሞት በሚለይበት ጊዜ ሥልጣን ካለው ፍርድ ቤት ለባንኩ በአድራሻው ግልጽ ትዕዛዝ ካልተሰጠ በቀር ባንኩ በሟች ደንበኛ ሥም ተቀምጦ የሚገኝን ማንኛውንም ገንዘብ ለሟች ወራሾች ወይም ለእነርሱ ጠበቃ አይከፈልም፡፡ስለ ደንበኛው ሞት በጽሑፍ በይፋ ለባንኩ ከተገለጸለት ቀን በፊት ባንኩ የሟችን የባንክ ሒሳብ እንዳይንቀሳቀስ የማድረግ ግዴታ የለበትም፡፡ 11. ደንበኛው በቁጠባ ደብተር ላይ እንዲሁም በገቢ/ወጪ ማዘዣ ሰነዶች ጀርባ ላይ በተጻፈው ደንቦች እና ሁኔታዎች ለመገዛት ተስማምቷል፡፡ ባንኩ ለደንበኛው የ30ቀናት ቅድመ ማሳወቂያ በመስጠት እነዚህን ደንቦችና መመሪያዎች ሊቀይር ወይም ሊያሻሽል ይችላል፡፡ ባንኩ አመቺ ነው ብሎ ባለው በማናቸውም መንገድ ለምሳሌ በቅርንጫፎቹ በግልጽ በሚታዩ ሥፍራዎች ማስታወቂያ በመለጠፍ ሊያሳውቅ ይችላል፡፡ II. 1. ሀ. ይህ ከወለድ ነጻ ሒሳብ ደንበኛው የይከፈለኝ ጥያቄ በሚቀርብበት ጊዜ ተመላሽ የሚደረግ ሲሆን ሂሳቡም ምንም አይነት የትርፍና ኪሳራ ክፍፍል አይመለከተውም ፡፡ ለ. ባንኩ በደንበኞች በሚቀርብለት ጥያቄ መሠረት በእንቅስቃሴ ላይ ላሉ ሒሳቦች በየወሩ እንቅስቃሴ ለሌላቸው ሒሳቦች ደግሞ በየስድስት ወሩ የሂሳብ መግለጫ/ስቴትመንት ሊሰጥ ይችላል፡፡ ደንበኞችም በመግለጫው ያለውን ዝርዝር በሒሳባቸው ካለው የገንዘብ መጠን ጋር በማመሳከር ማንኛውም ስህተት ካለ ለባንኩ በሁለት ሳምንት ጊዜ ውስጥ እንዲያሳውቁ ይጠበቅባቸዋል፡፡ ሐ. ሒሳቡ ለስድስት ወራት ምንም ዓይነት እንቅስቃሴ ካላሳየ ሂሳቡ እንቅስቃሴ ወደሌላቸው ሒሳቦች እንዲዘዋወር ይደረጋል፡፡ በዚሁ ሒሳብ ውስጥ ለሶስት ወራት ጊዜ ምንም ዓይነት ገንዘብ የሌለ እንደሆነ ሒሳቡ ይዘጋል፡፡ መ. እንቅስቃሴ በሌለው ሒሳብ ውስጥ የሚገኝ ገንዘብ ከብር 200.00 በታች በሚሆንበት ጊዜ በየስድስት ወሩ ብር 20.00 ተቀናሽ ይደረጋል፡፡በሒሳቡ የሚገኘውን ገንዘብ ብር 20.00 ወይም ከዚያ በታች ከሆነ አጠቃላይ የገንዘብ መጠኑ ወደ ባንኩ ገቢ ተደርጎ ሒሳቡ ይዘጋል፡፡ሒሳቡ በሚዘጋበት ጊዜ ሁሉም ጥቅም ላይ ያልዋሉ የቼክ ቅጠሎች ለባንኩ ተመላሽ መደረግ አለባቸው፡፡ ሠ. ደንበኛው በመጀመሪያ በሒሳብ መክፈቻ ቅጽ ላይ የቼክ ደብተር እንዲሰጠው መጠየቅ አለበት፡፡ ከዚያ በኋላ ግን ደንበኛው ከቼክ ደብተሩ ጋር የተያያዘውን ቅጽ በመሙላት ማመልከት አለበት፡፡ ረ. በቂ ስንቅ ሳይኖር ለራስም ሆነ ለሦስተኛ ወገን ቼክ መጻፍ በሕግ የተከለከለ ነው፡፡ ይህ ህግ ከተጣሰ ባንኩ በብሔራዊ ባንክ ከጊዜ ጊዜ በሚሰጥ መመሪያ መሠረት አስተዳደራዊ እርምጃ ይወሰዳል፡፡ ሰ. ደንበኛው የቼክ ደብተር በጥንቃቄ መያዝ ይጠበቅበታል፡፡ ከዚህ ጋር በተያያዘ ለሚከሰቱ ችግሮች ኃላፊነቱ የደንበኛው ብቻ ነው፡፡ ሸ. በቼክ ላይ ምንም ዓይነት ስርዝ ድልዝ መኖር የለበትም፡፡ ስርዝ ድልዝ ከተደረገ ግን ባንኩ ቼኩን ያለመቀበል እና ተመላሽ የማድረግ ሙሉ መብት ይኖረዋል፡፡ ቀ. ደንበኛው ክፍያ እንዲፈጽም ትዕዛዝ ሰጥቶ ነገር ግነ በዚያ ሒሳብ ውስጥ በቂ ስንቅ ከሌለ በሌላ የደንበኛው ተንቀሳቃሽ ወይም የቁጠባ ሒሳብ ውስጥ እንዲከፈል ትዕዛዝ የተሰጠበትን መጠን የሚሸፍን ገንዘብ ቢኖር እንኳን በደንበኛው በግልጽ ከሌላው የቁጠባ ወይም ተንቀሳቃሽ ሒሳብ እንዲከፈል ለባንኩ በጽሑፍ ፈቃድ ካልሰጠ በስተቀር ባንኩ በቂ ስንቅ ሳይኖር በተሰጠው ቼክ ክፍያ ላይፈጽም ይችላል፡፡ በ. የቼክ ክፍያ እንዲታገድ የሚቀርብ ጥያቄ በጥንቃቄ እና በትኩረት የሚያዝ ጉዳይ ሲሆን፣ ተፈጻሚነት የሚኖረውም የዕግዱ ማሳወቂያ ለባንኩ ሲደርስ ነው፡፡ ሆኖም ግን በስህተት ወይም በማጭበርበር ገንዘቡ ወጪ ቢደረግ፣ ባንኩ ኃላፊነት አይኖርበትም፡፡ ተ. ደንበኛው በእርሱ የተሰጠ ቼክ ክፍያ እንዲታገድ ለባንኩ ቢያሳውቅም ዕገዳው በኢትዮጵያ ሕግጋት እና ደንቦች ወሰን ውስጥ የማይወድቅ ከሆነ፣ ማሳወቂያው በባንኩ ላይ አስገዳጅነት አይኖረውም፡፡ 2. ሀ. የዚህ ሒሳብ አይነት አለማው ገንዘብን በጥንቃቄ ለመጠበቅ ሲባል ሲሆን፣ ባንኩም እንዲህ ባለው ሒሳብ ውስጥ የሚገኘው ገንዘብ በሸሪዐህ ለተፈቀደ ተግባር መጠቀም እንደሚችል ደንበኛው ተስማምቷል፡፡ደንበኛው በቁጠባ ሒሳብ ባስቀመጠው ሒሳብ ላይ ባንኩ ከሚያገኘው ትርፍ ወይም ኪሣራ ድርሻ አይኖረውም፡፡ ለ. ደንበኛው ጥሬ ገንዘብ ወጪ ለማድረግ ከቅርንጫፎች፣ ከኤቲኤም ማሽኖች፣ በሞባይል አማካኝነት ወዘተ… ሊጠቀም ይችላል፡፡ሆኖም ግን ደንበኛው አማራጮችን ለመጠቀም እንደአስፈላጊነቱ የአገልግሎቱ ተጠቃሚ መሆን አለበት፡፡ ሐ. ባንኩ የቁጠባ ደብተር እስከሰጠ ድረስ ደንበኛው ገንዘብ ወጪ ለማድረግ የቁጠባ ደብተሩ ከወጪ ማዘዣ እና ከመታወቂያ ጋር ማቅረብ አለበት፡፡ ገንዘብ ገቢ ወይም ወጪ በሚደረግ ወቅት ገቢ ወይም ወጪ በሚደረገው የገንዘብ መጠን በባንኩ በደንበኞች አገልግሎት ሠራተኛ ማኀተም እና ፊርማ ይሰፍርበታል፡፡ መ. ባንኩ ደንበኛው ያስቀመጠውን ገንዘብ ሙሉ በሙሉ ወይም በከፊል በደንበኛው ጥያቄ ሲቀርብ እንደሚከፍል ያረጋግጣል፡፡ ሠ. በሒሳቡ ውስጥ ምንም አይነት ገንዘብ ከሌለ ባንኩ ሒሳቡን ለመዝጋት ያለው መብት የተጠበቀ ነው፡፡ ረ. የቁጠባ ደብተር ከጠፋ ወዲያውኑ ለባንኩ ማሳወቅ ይገባል፡፡ ምትክ የቁጠባ ደብተር እንዲሰጥ የሚቀርብ ጥያቄ በጽሁፍ መሆን ይኖርበታል፡፡ ሰ. ሒሳቡ ለአንድ ዓመት ያህል ምንም ዓይነት ወጪና ገቢ የማያሳይ ከሆነ እንቅስቃሴ ወደ ሌለው ሒሳብ ይቀየራል፡፡ በዚህ ሒሳብ ውስጥ የሚገኘው የገንዘብ መጠን ብር 25.00 ወይም ከዚያ በታች ከሆነ ሒሳቡ ይዘጋል፡፡ 3. ሀ. ይህ የቁጠባ ተቀማጭ ሒሳብ ያልተወሰነ ጊዜ ቁጠባ ሲሆን፣ አስቀማጩ (ረቡል ማል)፣ ባንኩ (ሙደሪብ) በሒሳቡ ውስጥ የሚገኘው ገንዘብ በሸሪዐህ መርሆዎች መሠረት በሙዳረባህ ውል ያለገደብ ኢንቨስት እንዲያደርግ ፈቃድ ሠጥቷል፡፡ ለ. ገንዘብ ወደዚህ ሂሳብ ገቢ የሚደረገው በባንኩ በራሱ ውሳኔ ኢንቨስት እንዲደረግ ሲሆን፣ የሚገኘው ትርፍ ቀደም ሲል ስምምነት በተደረሰበት ንጽጽር (ሬሾ) መሠረት በባንኩ እና በደንበኛው መካከል ይከፋፈላል፤ ነገር ግን በባንኩ ግዴለሽነት ምክንያት ካልሆነ በስተቀር ኪሣራ ቢደርስ ኃላፊነቱ ሙሉ በሙሉ የደንበኛው ይሆናል፡፡ ሐ. ባንኩ ከጊዜ ወደ ጊዜ ኢንቨስት የሚደረገውን አነስተኛ እና ከፍተኛ የገንዘብ መጠን ይወስናል፡፡ መ.በሙዳረባህ የቁጠባ ሒሳብ ወይም በሌላ ገደብ የሌለው የኢንቨስትመንት ሒሳብ ገቢ የሚደረግ ገንዘብ ገደብ በሌለው ሙዳረባህ መሠረት በአስቀማጮች እና ባለአክሲዮኖች የጋራ ኢንቨስትመንት ኢንቨስት ይደረጋል፡፡ ሠ. በሙዳረባህ የቁጠባ ሒሳብ ውስጥ ተቀማጭ የተደረገው ገንዘብ በባንኩ ሥራ አመራር በሚወሰነው መሠረት ከአነስተኛው ገደብ የሚያንስ በሚሆንበት ጊዜ ሒሳቦቹ እንደ ወዲዐህ ሒሳብ ተቆጥረው ለዚህ ዓይነቶቹ ሒሳቦች ተፈጻሚ የሚሆኑት ደንቦች ገዢ ይሆናሉ፡፡ ረ. በደንበኛው እና በባንኩ መካከል የሚኖረው የትርፍ ክፍፍል ንጽጽር ____________________ ለ___________________ ይሆናል፡፡ ሰ. የኢንቨስትመንት ሁኔታው በሙዳረባህ ቁጠባ ሒሳቦች የገንዘብ መጠን ወይም በተጨባጭ ከተገኘው ትርፍ ላይ ሙደሪቡ በሚያገኘው የትርፍ ድርሻ መቶኛ ላይ ለውጥ እንዲደረግ የሚጠይቅ ከሆነ፣ ባንኩ እነዚህን ለውጦች በቅርንጫፎቹ በማስታወቂያ መልክ ያሳውቃል፡፡ ሸ. በባለአክሲዮኖች እና አስቀማጮች የጋራ ኢንቨስትመንት አማካኝነት የተገኘ ትርፍ ኢንቨስት በተደረገው የገንዘብ መጠን ላይ ባላቸው የዋጋ ድርሻ መሠረት እንዲከፋፈል ይደረጋል፡፡ ቀ. ደንበኛው በሌላ አኳኋን እንዲሆን ካልጠየቀ በስተቀር በሙዳረባህ የቁጠባ ሒሳብ የተገኘ ትርፍ፣ ትርፍ ከሚከፋፈልበት ሩብ ዓመት በኋላ ባለው ወር ከሰላሣ ቀናት ባልበለጠ ጊዜ ውስጥ ወደ ደንበኛው ሒሳብ ውስጥ ገቢ ይደረጋል፡፡ በ. ባንኩ ሙደሪብ እንደመሆኑ መጠን በጋራ ኢንቨስትመንት ከተገኘ የተጣራ ትርፍ የራሱን ድርሻ ከቀነሰ በኋላ ለደንበኛው ጥቅም ሲባል ብቻ ሊያጋጥሙ ለሚችሉ ስጋቶች ከደንበኛው ትርፍ ላይ የተወሰነ መቶኛ መጠን ተቀናሽ የማድረግ መብቱ የተጠበቀ ነው፡፡ እንዲህ ያለው ገንዘብ ተቀናሽ የሚደረገው፣ የሚያዘው እና የሚከፋፈለው በባንኩ የሸሪዐህ አማካሪ ኮሚቴ ፈቃድ ሲገኝ ብቻ ይሆናል፡፡ ተ. ባንኩ ሙደሪብ እንደመሆኑ መጠን የባለአክሲዮኖች እና የአስቀማጮችን ጥቅሞች ለማረጋጋት ሲል በጋራ የኢንቨስትመንት ገንዘብ ከተገኘ የተጣራ ትርፍ ላይ የሙደሪቡን ድርሻ ከመቀነሱ በፊት ከባለአክሲዮኖች እና አስቀማጮች የትርፍ ድርሻ ላይ የተወሰነ መቶኛ መጠን የመቀነስ መብቱ የተጠበቀ ነው፡፡ እንዲህ ያለው ገንዘብ ተቀናሽ የሚደረገው፣ የሚያዘው እና የሚከፋፈለው በባንኩ የሸሪዐህ አማካሪ ኮሚቴ ፈቃድ ሲገኝ ብቻ ይሆናል፡፡ Section Buttons TERMS AND CONDITIONS FOR INTEREST FREE BANKING ACCOUNT OPENINGS I.GENERAL TERMS AND CONDITIONS 1. These terms and conditions shall be construed and implemented pursuant to the Laws of Ethiopia, the directives and regulations of National Bank of Ethiopia, Dashen Bank's (DB) Memorandum and Articles of Association, DB's policies & procedures and Fatawa & the provisions of DB's Shari'ah Advisory Committee. 2. It is not allowed to open and operate the account with income generated from business activity such as interest, usury, gambling and similar chance games, pork, alcohol, pornography and other incompatible business with the principle of Interest Free Banking. In a situation where the Bank identified such income sources used for account operation, the Bank has the right to close the account and fine with cash. 3. The Customer's signature specimen registered with the Bank, shall be considered to be the basis of carrying out transactions on his/ her/its accounts, and shall be valid unless modified or cancelled by the request of the customer. 4. Should the Customer wants to change his/ her /its name for any reason, then the Customer shall produce a document issued by the concerned authority indicating its approval of the change of the name. 5. The Bank, without referring to the Customer, may deduct from the Customer's account expenses, fees or commissions payable against the banking services rendered to the Customer according to banking fees and commissions regulations approved by the Bank. 6. The Bank shall have the right to destroy cheque books, Electronic Cards, Personal Identification Numbers in the event the Customer didn't receive them after Six months (at the latest) of its issuance date. The Customer has to submit new application and to pay the due fees in order to re-issue any of such services. 7.The blind or illiterate Customer shall process their transactions before the concerned officer in the Bank by using fingerprint and seal (if any). In order to protect the interest of the blind/illiterate Customer, the Bank shall not issue any cheque books, Electronic Card, or telephone-banking service for them, except through an official proxy. 8. In case of an error in the entries, any amendment or correction made to the entries duly signed by the Bank shall be deemed effective and valid. The Customer acknowledges that the Bank has the right to recover from him/her/it the amounts that has been paid to him/her/it in error. 9. The records and documents at the possession of the Bank shall be considered as an evidence of the correctness of the customer's balance. If, however, the contrary is claimed, then the burden of proof shall lay with the Customer. 10. In the event of the Customer's death, his/her account shall be frozen and no amount whatsoever available in the Customer name held by the Bank shall be paid to the Customer's heirs or their attorney unless there is an official request from the competent court addressed to the Bank to that effect. The Bank shall not be obliged to freeze the account before the date on which it has been formally notified of the death in writing. 11. The client agrees to be bound by these terms and conditions and further is bound by the conditions printed on the passbook and on the back of the deposit /withdrawal slips. The Bank reserves the right to amend the terms and tariffs by giving 30 days notice to the client. The Bank may notify in any manner which it may deem proper including by posting notice in conspicuous places of its Branches. II.SPECIAL TERMS AND CONDITIONS 1.Qard Current Account (a) It is an interest - free call deposit account that is governed by the rules applied to loans with respect to guarantee to repay an equal amount on demand. It does not participate in investment profit nor bear risks. (b) The Bank at the request of the client may provide statement on monthly and every six months for active and inactive accounts, respectively, against which customer are expected to reconcile their account balance and inform the bank within two weeks time if variation prevail (c) If the account does not show any movement for six months, the amount will be considered as dormant and be transferred to inactive accounts. If the account shows zero balance for 3 consecutive months, the account will be closed. (d) If the balance in inactive account is less than birr 200, a charge of birr 20 will be deducted at the end of every six months and if the balance is birr 20 or less, the whole balance thereof will be charged and the account will be closed. Up on closure of the account unused cheques should be returned to the bank (e) Initially the Client has to apply for cheque Book in account opening application form. From next time on Client has to apply using the application form attached to the cheque book. (f) It is legally prohibited to write a check payable to self or third party without sufficient funds. Whenever there is a violation of this provision, the Bank is obliged to take administrative measures as prescribed by the National Bank of Ethiopia from time to time. (g) The Customer shall take due care of his/her/its cheque book and shall assume full responsibility thereof. (h) No alteration shall be made on cheque .If it happens the bank is in absolute discretion to dishonor or return any form of alteration. (i) The Bank may refuse to pay the amount of the cheques drawn on the Customer's account if there is no sufficient funds regardless of the fact that other accounts of the same Customer may be in credit balance, unless he/she/ it authorizes the Bank in writing to cover the cheque amounts or any other withdrawals from its other current or saving accounts with the Bank. (j) Stop payment of cheque is taken under notification with proper caution and attention and it shall be effective up on the receipt by the bank but if payment is made by mistake/ fraudulent withdrawal is made then the bank cannot be held responsible. (k) The Customer instructions to stop the payment of cheques issued by him/her/ it shall not be binding, unless such instructions fall within the scope of applicable laws and regulations in Ethiopia. 2.Wadiah Saving Accounts (a) Deposit is taken in the account for safekeeping purpose and the client agrees that Bank can use the deposit for permitted activities in accordance with the Shari'ah. Client will not have any share in the profit or loss for his/her deposit. (b) Cash withdrawal is possible through any of the Bank's designated channels like Branches, ATMS, mobile … etc as per the Clients preferences provided the Client has subscribed to those delivery channels. (c) Passbook presentation together with withdrawal voucher at the time of withdrawal is required in as long as the Bank issues a passbook and subject to production of proof of identity (ID card) for withdrawal. The amount entered at the time of operation, i.e., deposits or withdrawals will be dully stamped and initialed by the Customer Service Officer of the bank. (d) The bank guarantees the payment of the whole amount of the deposits or any part when demanded by the depositor. (e) If the account reaches with zero balance the bank shall have the right to close the account. (f) In the event of loss of passbook, it should be immediately reported to the bank. A request for its replacement is to be accompanied by a written and signed statement to that effect. (g) If the account does not show any movement for one year, it will be considered as inactive account. If such account shows Birr 25 or lesser amount, the account will be closed. 3. Mudarabah Savings Deposit Account (a) It is a deposit for unlimited period whereby the depositor (Rab ul mal) authorizes the Bank (Mudarib) to invest the funds on the basis of unrestricted Mudarabah contract in accordance with principle of Shari'ah. (b) Deposit is taken in the account for purpose of investment by the Bank, at its own discretion, to share the profit in accordance with the pre-agreed ratio while any loss will be borne by the client unless the occurrence is due to negligence of the Bank. (c) The Bank, from time to time, determines the minimum and maximum amount to be invested. (d) Funds of Mudarabah savings deposit account and other un-restricted investment deposit accounts shall be invested on unrestricted Mudarabah basis in the joint investment pool amongst the depositors and the shareholders. (e) In case the deposited amount in the Mudarabah savings account was less than the specific limit, which is determined by the Bank's management, then the accounts shall be treated as a wadiah account and its governed rules. (f) The profit sharing ratio between the Client and the Bank is ______ to _______, respectively. (g) If the investment circumstance requires change the investment weightages of the Mudarabah savings accounts balances or Mudarib's percentage of the realized net profit, then the bank shall display such change at the Bank's branches. (h) The net profits of the joint investment pool shall be distributed amongst shareholders and depositors according to their respective weightages in the invested funds (I) Profits of Mudarabah savings account shall be credited to the Customer's account within a period not exceeding thirty days of subsequent month following the yearly quarter for which the profit is being distributed unless the Customer had requested otherwise. The Bank as Mudarib, reserves the right to deduct a certain percentage of the depositors net Profit in the joint investment pool after deducting the Mudarib's share in order to hedge against investment risk solely for the benefit of the depositors. Such funds shall be deducted, held and distributed only upon the prior approval of the Bank's Shari'ah Advisory Committee, (k) The Bank, as Mudarib, reserves the right to deduct a certain percentage of the shares of both, shareholders and depositors from the net Profit in the joint investment pool, before deducting Mudarib's share for the purpose of Profit stabilization for the benefit of shareholders and depositors. Such funds shall be deducted, held and distributed only upon prior approval of the Bank's Shari'ah Advisory Committee, Section Buttons Submit Material Receiving Voucher MATERIAL RECEIVING VOUCHER Supplier’s Name * No. * Invoice No. * Date * Purchase order No. * Purchase Req. No. * No. * Description * Code * U/M * Qty. Ordered * Qty. Received * Unit Price * Total Price * Remark Section Buttons Total * Total Amount in Words * Received By Name * Sign Date Section Buttons Delivered By Name * Sign Date Section Buttons Approved By Name * Sign Date Section Buttons Submit Help and Support CenterContact Dashen Bank Find a Branch Find an ATM Frequently Asked Questions App Downloads Privacy and Security Complaint and Feedback Section Daily Exchange Rates
