The customers’ list is intended to identify the Institution’s customers on a separate document independent the banking risks statements. The Risks Bureau will give those customers code numbers to assure for its operations top confidentiality.

(1) The Customers’ list consists of a set of separate sheets numbered serially. Each sheet contains two part separated by a clear broad line. The part to the right of this line contains the Institution’s columns, (i.e. columns from 1 to 7), and that to the left contains the columns of the Risks Bureau (i.e. columns from 8 to 11). Please refer to the attached Form (R.B. –1)

(2) Columns 10 and 11 of the part pertaining to Risks Bureau form together a detachable part which can be separated from the other parts of the list. The Risks Bureau shall return this part to the concerned Institution showing therein the code number given to each customer.

Institutions must fill in their custom ……….. on ……… (R.B.–1) attached hereto. The printed ……………… will be supplied by the Risks Bureau.

The customers who shall be registered in the Customers List are only those to whom the Institution has extend credits whose total reaches or exceeds the amount specified in Article 3 of these directives.

The Institution shall prepare the first general list of all its customers subject to reporting as at 30 April, 1982. This list shall be supplemented by complementary sheets of the same Form (R.B. –1) on which the Institution shall record its new customers whose total credits opened (or used) has reached or exceeded at the end of the month being reported the limit specified in Article 3 of these directives. Thus the general list of an Institution’s customers, at a given date, shall consist of the first general list and the added complementary sheets submitted by the bank till that date.

An Institution may not reorganize the general list of its customers unless the Risks Bureau requests so and shall be done according to its instructions.

Sheets of the institution’s customers’ general list shall be numbered serially, i.e. the first sheet bears No. 1 the second No. 2 and so on. These serial numbers must continue uninterrupted with respect to the complementary sheets. Therefore the institution may not return to …….. once again unless it is deemed necessary to prepare a new general list for its customers pursuant to the Risks Bureau’s request.

An Institution must number successively its customers recorded in the list giving each customer a serial number Numbering starts from No.1 and continues in column No. 1 of the list sheets and without interruption.

But if the institution deleted one of its customers due to the decrease in the total credits opened in his favour below the limit determined in the directives, or because he has ceased to become a customer of the Institution, it may never give a new customer the same serial number of the deleted one.

An Institution should fill in the list all required information such as the list serial number, date, Institution’s code number and the customer’s code number; whether the designated columns for such information fall in the part of the institution or the Risk Bureau’s. In general the institution should ……….in all rows and columns of the customers list, except columns 8, 9 and 11 wherein the institution should record nothing.

The customers list is a principal document on which relies to a great extent the activity of the Risks Bureau

Therefore, institutions are requested to pay due attention in preparing it, and ensure correctness of recorded information therein.

Customers list shall be closed on the last day of the month being reported. Each of the list sheets should be duly signed by the Institution’s authorized signatory.

(1) Each institution should prepare its customers list in duplicate and put them in a sealed envelope, to be put inside another envelope sealed by red wax and despatched with a covering letter inside the sealed envelope to the Risks Bureau before the tenth day of the month following that for which the list is prepared.

(2) Each Institution shall prepare a third copy of the list which should be identical in every respect to both copies sent to the Risks Bureau and conformable to the Institution’s records.

Lists shall be despatched to the Risks Bureau under covering letter according to Form (R.B. –2) wherein the Institution shall indicate the number of the list sheets, the relevant month and total number of customers.

(1) When the Institution deletes – during the three months period — one or more of its customers, whether due to decreasing their credits below the determined minimum limit or because the customer has ceased dealing with it; it should notify the Risks Bureau, before the tenth day of the month following the month being reported, of its deleted customers by a letter, according to Form (R.B. –3) dispatched to the Risks Bureau at the same time the list of customers, for the period during which deletion was effected, is sent.

(2) But if the deleted customer becomes one of the Institution’s customers whose credits must be reported, either because the Institution has increased the credits of such customer above the determined minimum limit, or the customer has resumed dealing with the Institution the latter should consider him as one of its new customers, and enters duly his name in a complementary list's sheet and gives him the proper serial number.

The Risks Bureau shall return to the relevant Institution, before the fifteenth day of the month that follows the month being reported, the detachable part of the list’s second copy only after filling column (11) thereof with customers' code numbers.

The detachable parts shall be sent to the Institution under covering letter, Form (R.B. –4) which acknowledges receipt of the list and bears the Risks Bureau's stamp and signature of the authorized employee. Furthermore, each of the list's detachable part returned to the Institution should bear the Bureau's stamp and the authorized signature.

According to the preceding Article No. 10, the Institution shall number the list’s sheets serially starting from No. 1. The Institution should write the proper serial number against the word "List’s Serial No." shown in two places of the list, one in the middle and the second in the detachable part to be returned to the bank.

As the Customers' List's are to be reported as at the last working day of the month being reported, therefore the Institution shall record, against both words "date" situated under "List's Serial No.", only the month and year of the List.

The Risks Bureau shall report, in advance, this number to the Institution, which consists ……. digits identifying the Institution's name. Therefore, the Institution should record both digits against the word "Institution Code Number" in the assigned place on the List’s original and on the detachable part to be returned to the Institution.

The two columns allocated for the customer’s serial number bear No. 1 and No. 10, and the Institution should record therein the serial number of each customer. The serial number should be recorded in both columns and should be continued on the following sheets of the list in accordance with the method shown under the preceding Article 17. It must be observed that the numbers recorded in column (1) should be the same as those recorded in column (10)

The Institution shall record in this column the customer’ full name. The Institution should write down accurately the correct name of the customer.

Institutions should indicate in this column the customer’ legal personality, showing that in detailed writing.

It shall be mentioned in this column – in full and correct manner – the customer’s legal address. For instance : Abu Dhabi – No …………… Hamdan Street, P.O. Box No ……………. It is meant by the legal address the address considered by the customer as the center to which all notifications related to his business should be addressed. This address might differ from his home address or might be the same in rare cases. Also the legal address might differ from that where he practices his business. For instance, the Head Office of a company may be at (Abu Dhabi) and its business place is (Mussaffah).

But if the customer is a company with branches, or an institution or a business with several branches, the address of the Head Office in UAE should be mentioned. In case the legal address is unknown, the Institution must give full description regarding his address, home or the place where the customer practices his business ……… etc.

All Institutions must indicate very clearly in this column the customer’s professions.

The Institution shall mention in this column the place or places where the customer – to the Institution's knowledge – practices his business.

According to the customer’s profession the Institution shall indicate the type of economic sector to which the customer belongs. The Institution shall mention in this column the number, representing the mentioned sector, selected from the attached annex. If the customer practices several professions at the same time, the number representing each sector should be mentioned.

This column is allocated for the Risks Bureau. The Institution may not mention anything therein.

This column is allocated for the Risks Bureau. The Institution may not mention anything therein.

This column is identical to column (1), so the Institution should enter therein the same customers' serial numbers as entered in column (1).

This column is identical to column (8). It is also allocated for the Risks Bureau, consequently the Institution should mention nothing therein.