PART I: STATUTORY (Articles 1 – 4)

Article 1: Parties to the Agreement (Bank & Employees' Union)

Article 2: Scope of the Agreement (Non-executive & operational staff)

Article 3: Effective Date & Duration (3-year term: Jan 1, 2026 – Dec 31, 2028)

Article 4: Modification & Termination guidelines

PART II: EMPLOYER-UNION RELATIONS (Articles 5 – 10)

Article 5: Settlement of Disputes (3-step grievance procedure)

Article 6: Recognition of Bank (Management rights & operational autonomy)

Article 7: Recognition of Union (Sole bargaining unit & non-discrimination)

Article 8: Leave on Trade Union Business

Article 9: Office Committee (Branch-level grievance handling)

Article 10: Notice Board provisions

PART III: TERMS AND CONDITIONS OF EMPLOYMENT (Articles 11 – 35)

Articles 11–15: Probation, Transfer, Promotion, Disciplinary Due Process & Termination

Articles 16–20: Rates of Pay, Increments, Bonus/Incentive Plans, Allowances (COLA, Teller, OT, Relocation), and Concessionary Advances

Articles 21–23: Hours of Work (39 hrs/wk), Rest Days, and Public Holidays

Articles 24–28: Annual Leave (16–24 days), Maternity/Paternity Leave, Sick/Hospitalization Leave, Medical Benefits & Matrimonial/Compassionate Leave

Articles 29–35: Insurance Coverage, Retirement Gratuity, Existing Benefits Safeguard, Temporary Officers, Suspension of Contract, New System & Technology Retraining, and Implementation Timeframes.