[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"page:en-zm\u002Fwork-in-zambia\u002Fcollective-bargaining-agreement\u002Fcollective-agreement-between-access-bank-and-zambia-union-of-financial-institutions-and-allied-workers-january-2018-to-december-2019":3},{"id":4,"slug":5,"title":6,"short_title":7,"intro_text":8,"meta_description":8,"seo_title":8,"path":9,"content_type":10,"locale":11,"go_live_at":7,"first_published_at":12,"page_created_at":13,"published_at":12,"edit_url":14,"breadcrumbs":15,"seo":23,"data":31,"children":137,"content_type_view":138,"extra_breadcrumbs":139,"body":141,"body_blocks":152,"related_pages":156},794,"collective-bargaining-agreement","Collective Bargaining Agreement",null,"","\u002Fen-zm\u002Fwork-in-zambia\u002Fcollective-bargaining-agreement","collective_agreements.collectiveagreementoverview","en_ZM","2025-07-28T05:49:16.037136+00:00","2026-04-02T12:54:48.493157+00:00","\u002Fcms\u002Fpages\u002F794\u002Fedit\u002F",[16,19,22],{"title":17,"slug":18},"Zambia","en-zm",{"title":20,"slug":21},"Work in Zambia","work-in-zambia",{"title":6,"slug":5},{"title":6,"description":8,"image":24,"canonical":25,"robots":26,"og_type":27,"twitter_card":28,"locale":18,"created_at":29,"last_modified_at":30},"https:\u002F\u002Fwageindicator.org\u002Fmedia\u002Fimages\u002FSocial_media_preview_image_-_2025.2e16d0ba.fill-1200x630.png","https:\u002F\u002Fwageindicator.org\u002Fen-zm\u002Fwork-in-zambia\u002Fcollective-bargaining-agreement\u002F","index, follow","website","summary_large_image","2025-07-28T07:49:16.037136+02:00","2026-04-02T14:54:48.647341+02:00",{"cba":32,"clauses":43,"details":135,"translations":136},{"id":33,"uid":34,"url":35,"name":36,"locale":11,"override_title":8,"title":37,"browser_title":38,"browser_description":39,"text":40},"collective-agreement-between-access-bank-and-zambia-union-of-financial-institutions-and-allied-workers-january-2018-to-december-2019","75be5392-7e6b-11f0-b90a-f23c91080f70","https:\u002F\u002Fcobra.wageindicator.org\u002Fcountries\u002Fzambia\u002Fcollective-agreement-between-access-bank-and-zambia-union-of-financial-institutions-and-allied-workers-january-2018-to-december-2019\u002Fcollective-agreement-between-access-bank-and-zambia-union-of-financial-institutions-and-allied-workers-january-2018-to-december-2019\u002F","COLLECTIVE AGREEMENT BETWEEN ACCESS BANK AND ZAMBIA UNION OF FINANCIAL INSTITUTIONS AND ALLIED WORKERS JANUARY 2018 TO DECEMBER 2019","COLLECTIVE AGREEMENT BETWEEN ACCESS BANK AND ZAMBIA UNION OF FINANCIAL INSTITUTIONS AND ALLIED WORKERS JANUARY 2018 TO DECEMBER 2019 - 2018","Zambia - COLLECTIVE AGREEMENT BETWEEN ACCESS BANK AND ZAMBIA UNION OF FINANCIAL INSTITUTIONS AND ALLIED WORKERS JANUARY 2018 TO DECEMBER 2019 - 2018","COLLECTIVE AGREEMENT BETWEEN ACCESS BANK AND ZAMBIA UNION OF FINANCIAL INSTITUTIONS AND ALLIED WORKERS JANUARY 2018 TO DECEMBER 2019 - 2018 - Financial services, banking, insurance",{"name":41,"data":42},"Access Bank CA 2018 - 2019.html","\n\n\n\u003Cmeta charset=\"UTF-8\">\n\u003Ctitle>Untitled Document\u003C\u002Ftitle>\n\n\n\n\u003Ch1>COLLECTIVE AGREEMENT BETWEEN ACCESS BANK AND ZAMBIA UNION OF FINANCIAL INSTITUTIONS AND ALLIED WORKERS\u003Cbr>\n\u003C\u002Fh1>\n\u003Cp>  \u003Cstrong>JANUARY 2018 TO DECEMBER 2019 \u003C\u002Fstrong>\u003C\u002Fp>\n\u003Ch3>1.\tPreamble\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>This Collective Agreement is made this\t............... day of\t................ 2018 between the Bank and the Union covering conditions of service representing employees eligible for representation by the Union in terms of the Memorandum of Recognition Agreement between the Bank and the Union.\u003Cbr>\n\u003C\u002Fp>\n\u003Cp>Duration of this Collective Agreement shall be for a period of not less than twenty four (24) months commencing 1st January 2018 to 31st December 2019, provided that:\u003Cbr>\n\u003C\u002Fp>\n\u003Col type=\"a\">\n  \u003Cli> The parties agree that the agreed items shall be implemented on the effective date, which is the date of this Agreement.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Within 12 months of the date of the coming into effect of this Collective Agreement, either party by giving adequate notice to the other may call for a meeting to review staff salaries.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Any time after 21 months of commencement of this agreement, either party will give to the other six weeks notice in writing of its desire for this Agreement to continue in force for a further period to be agreed upon or of its intention to terminate the Agreement or alter any clause herein.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> In the event of emergency cases, both parties shall endeavor to meet as soon as possible but not later than 14 days.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> The terms of this Agreement shall be in accordance with the prevailing labour legislation.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> The provisions of this Agreement shall be valid only so long as the Memorandum of Recognition Agreement between the Bank and the Union remains in force but no later than the date of expiry herein if this Agreement is not renewed.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Only subscribing members of the Union shall be entitled to the conditions of service contained in this agreement.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> This Agreement shall not apply to non- members of ZUFIAW.\u003Cbr>\n  \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch3>2.\tApplication for a Change or Amendment\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>It is agreed that if either the Union or the Bank considers that any part of this Agreement should be changed or amended and if it is also considered that such a change is mutually beneficial to both the Union and the Bank and provided it is clearly seen to be a valid reason to recommend such a change or \u003Cbr>\n  amendment to this Agreement, it should be undertaken in the following manner:-\u003Cbr>\n\u003C\u002Fp>\n\u003Col type=\"i\">\n  \u003Cli> The Union or the Bank shall indicate by letter its intention to discuss a change or amendment to the Collective Agreement.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Such a letter indicated in (i) above shall not be considered by the Bargaining Unit unless it is accompanied by written information\u002Fevidence or any other communication considered necessary to validate the intention to change or amend the Collective Agreement.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> The party requesting the change or amendment shall allow the other party fourteen days to consider the request. The Bargaining Unit shall after fourteen days, but not longer than 28 calendar days after the date of the original letter, agree to meet to discuss the change.\u003Cbr>\n  \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-WAGES_trigger\">\u003Ch3>3.\tRATES OF PAY\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Salary shall be negotiated between management and the Union every 12 months and shall be effective from January of each year following conclusive agreement of negotiations.\u003C\u002Fp>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-hourspweek\">\u003Ch3>4.\tHOURS OF WORK\u003Cbr>\n\u003C\u002Fh3>\n\u003Cdiv class=\"cbaClause highlight\" id=\"clause-hourspmonth\">\u003Cp>Hours of work shall be restricted to 45 hours per week and one hundred and seventy six (176) hours per month inclusive of working Saturdays. Subject to the terms and conditions of the Bank’s Staff Handbook and the requirement to obtain prior authorization from a Supervisor, overtime will be paid for hours exceeding the working hours in that month under consideration or within a week of each particular month where the hours do not exceed 176.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>5.\tLUNCH ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Col type=\"a\">\n  \u003Cli> Lunch allowance of ZMK 55.00 (fifty five Kwacha) per day shall be paid to staff who are authorized by their supervisor in line with the claims process to work through Lunch break of one hour of between 11:30 to 15:30 hours to allow for flex hours.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> The one hour lunch break shall not constitute overtime.\u003Cbr>\n  \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-NOCTPREM_trigger\">\u003Ch3>\u003C\u002Fh3>\u003C\u002Fdiv>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-OVERTIME_trigger\">\u003Cdiv class=\"cbaClause highlight\" id=\"clause-NOCTPREM_trigger\">\u003Ch3>6.\tOVERTIME\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>\u003C\u002Fp>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-SUNDAY_trigger\">\u003Cdiv class=\"cbaClause highlight\" id=\"clause-overtimeallowanceperc1_general\">\u003Cdiv class=\"cbaClause highlight\" id=\"clause-overtimeallowancetype_general\">Overtime shall be 1.5 times the hourly rate on ordinary days and double the hourly rate on Sundays and Public holidays.\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Cbr>\n\u003Cp>\u003C\u002Fp>\n\u003Col type=\"a\">\n  \u003Cli>  \tIn addition to overtime which shall be paid at the end of the month, an employee who is authorized to work beyond 19.00hours shall be entitled to K55.00 Dinner allowance and transport to their home.\u003Cbr>\n    Prior authorization from the supervisor shall be sought to work overtime in line with the bank authorization procedure in place.\u003C\u002Fli>\u003C\u002Fol>\u003C\u002Fdiv>\u003Col type=\"a\">\u003Cli>\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Employees required to work on holidays and Sundays shall be provided with transport to and from home.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Where an employee is required to work on a holiday and Sunday, works during lunch, lunch allowance of K55.00 shall be paid.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Where an employee required to work on Sundays and public holidays beyond 19: 00 hours, he\u002Fshe shall be entitled to Dinner allowance of K55.00.\u003C\u002Fli>\u003C\u002Fol>\u003C\u002Fdiv>\u003Col type=\"a\">\u003Cli>\u003Cbr>\n  \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch3>7.\tPUBLIC GAZETTED HOLIDAYS\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>The Bank and the union agree to observe all gazetted public holidays in Zambia.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>8.\tSTUDY LEAVE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>An employee on satisfactory proof of registration shall be granted 5(five) calendar days plus the actual days of writing exams. This entitlement will be granted once per annum.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>9.\tCOMPASSIONATE LEAVE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>On written application and supported by documentary evidence, an employee shall be granted five (5) working days per death on the death of Spouse, child, Father, Mother. This shall not include siblings or other relatives.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>10.\tUNPAID LEAVE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Management may on application, grant unpaid leave for up to a maximum of two (2) years using discretion in deserving cases and provided that one has served a continuous period of two years with the bank.\u003Cbr>\n\u003C\u002Fp>\n\u003Cp>However, this does not guarantee that the staff will return to the exact same position.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>  11.\tLOCAL TRAVEL ON DUTY\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>When traveling on duty outside station, the bank shall arrange and pay for reasonable accommodation. However, in the event that the employee opts to make own arrangements, the bank shall pay the employee subsistence allowance of K400.00 per night. Where the bank pays for accommodation and meals, an out of pocket allowance of KI20.00 per night shall be paid.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>12.\t\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-WORKFAM_trigger\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-paidmaternityleave\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-paidmaternityleaveduration\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-jobsecuritymothers\">\u003Ch3>MATERNITY\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Eligible female employees shall be entitled to 90 calendar days-paid maternity leave after serving the initial 2 years and thereafter on intervals of not less than two years. This leave shall be exclusive of annual leave which later shall not be taken with maternity leave except with agreement of employer and employee.\u003Cbr>\n\u003C\u002Fp>\n\u003Cp>Breast feeding mothers shall be allowed to knock off one hour earlier than 17: 00 hours or one hour extra during lunch period. The above said privilege shall only subsist for the duration of one year after date of delivery of the baby.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>13.\tOUT OF POCKET ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>An employee attending a fully sponsored seminar\u002Fworkshop\u002Fconference organized by the bank shall be entitled to out of pocket allowance of KI20.00 per day.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-contracttrial\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-contracttrialperiod\">\u003Ch3>14.\tPROBATION\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>The union may represent newly recruited employees after joining the bank as long as they have successfully completed the required probationary period and have agreed to such recruitment.\u003Cbr>\n  The probation period shall be six months with one days’ notice from either side to terminate a contract. Management reserves the right to extend the period of probation for up to a further three (3) months stating the reasons for the extension.\u003C\u002Fp>\u003C\u002Fdiv>\u003Cp>\u003C\u002Fp>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>15.\tPROTECTIVE CLOTHING\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Archive staff and tellers will be provided with masks and office coats.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>16.\tRESPONSIBILITY ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Col type=\"a\">\n  \u003Cli> For an employee to qualify for responsibility allowance he\u002F she is to perform the added responsibilities of another Job in full for a continuous period of not less than 14 calendar days. The position \u003Cbr>\n    whose responsibilities ore to be added will be equivalent to individuals' job grade.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> Responsibility allowance shall be paid at the rate of 10% of the higher salary between that of the incumbent or the person performing the added responsibilities.\u003Cbr>\n  \u003C\u002Fli>\n  \u003Cli> An employee nominated to perform added responsibilities shall be informed in writing prior to carrying out duties involving payment of responsibility allowance.\u003Cbr>\n  \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch3>17.\tRELOCATION ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>An employee who has been transferred by the bank to another branch outside the district shall be entitled to 50% basic salary and 30 days accommodation allowance.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>18.\tEXTERNAL TRAVEL ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>External travel related to travel outside of Zambia where such external travel is to a country where the bank has a subsidiary, the applicable allowances shall be $250.00 per night as per diem.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>19.\tKEY ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>An employee who manages Vault keys shall be entitled to a monthly allowance of ZMW 1,000.00 per month in addition to monthly salary. The allowance will be stopped in case the employee does not maintain the keys due to change in job role or any other reason.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-ANNLEAVE_trigger\">\u003Ch3>20.\tANNUAL LEAVE ALLOWANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Annual Leave Allowance of 10% (ten percent) of employee’s annual basic salary shall be paid to an employee who proceeds on leave.\u003C\u002Fp>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>21.\tMOTHER’S DAY\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Every female employee shall be entitled to one day's absence from work each month without having to produce a medical certificate.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-paidpaternityleave\">\u003Ch3>22.\tPATERNITY LEAVE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cdiv class=\"cbaClause highlight\" id=\"clause-paidpaternityleaveduration\">\u003Cp>Eligible male employee shall be entitled to five (5) working days paid paternity leave on the birth of his child with a registered spouse after serving the bank for  an initial period of two years. The paternity leave must be taken within the week of birth of the child. This leave will not be cumulative.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>23.\t\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-funeralpay\">\u003Ch3>FUNERAL EXPENSE\u003Cbr>\n  \u003C\u002Fh3>\n\u003Cp>In the event of the death of a direct Employee, spouse, child, or Parent the following grant shall be paid\u003C\u002Fp>\n\u003Ctable cellspacing=\"0\" cellpadding=\"0\">\n  \u003Ccolgroup>\u003Ccol width=\"363\">\n  \u003Ccol width=\"368\">\n  \u003C\u002Fcolgroup>\u003Ctbody>\u003Ctr>\n    \u003Ctd width=\"454\">i. Direct Employee \u003C\u002Ftd>\n    \u003Ctd width=\"306\">ZMW 12500\u003C\u002Ftd>\n  \u003C\u002Ftr>\n  \u003Ctr>\n    \u003Ctd>ii. Spouse \u003C\u002Ftd>\n    \u003Ctd>ZMW 5000\u003C\u002Ftd>\n  \u003C\u002Ftr>\n  \u003Ctr>\n    \u003Ctd>iii. Child   (biological\u002Flegally adopted) \u003C\u002Ftd>\n    \u003Ctd>ZMW 5000\u003C\u002Ftd>\n  \u003C\u002Ftr>\n  \u003Ctr>\n    \u003Ctd>iv. Parent\u003C\u002Ftd>\n    \u003Ctd>ZMW 5000\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Fdiv>\u003Ctable cellspacing=\"0\" cellpadding=\"0\">\u003Ctbody>\u003Ctr>\n  \u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch3>24.\tDEATH BENEFITS\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>In the unlikely event of the death of the staff member, during service, in order to financially support his \u002F her family, the bank has availed a group life insurance scheme which shall be reviewed from time to time.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-pregnancy\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-nursingmothers\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-maternity_nursing_breaks_duration\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-maternity_nursing_breaks_length\">\u003Ch3>25.\tBREAST FEEDING\u003Cbr>\n\u003C\u002Fh3>\n\u003Cdiv class=\"cbaClause highlight\" id=\"clause-breastfeeding_workingtime\">\u003Cp>Female employee shall be allowed to breast feed their babies once per day during working hours provided the baby is not older than twelve months. Further, the duration of such breast feeding shall be done administratively with a maximum time allowance of one hour.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-contractseverancepay\">\u003Ch3>26.\tREDUNDANCY\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Whenever the requirement for redundancy arises, the parties shall negotiate the terms and package for employees to be declared redundant in accordance with section 26B of the Employment Act CAP 268 of the Laws of Zambia.\u003C\u002Fp>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>27.\tSTAFF LOANS\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Staff loans shall be provided in accordance with staff handbook.\u003Cbr>\n  All staff loans shall be in line with the Bank’s staff loan policy from time to time.\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>28.\tSALARY ADVANCE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>On request, an employee may be granted salary advance of 50% of gross salary and payable in two monthly installments. The application shall be made before the 15th of the month and deductions shall commence in the same month.\u003Cbr>\n  Deductions must be within the debt service ratio. \u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-ONCERISE_trigger\">\u003Ch3>29.\tCHRISTAMAS GIFT\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>All employees shall be entitled to one month’s basic salary as Christmas gift in the month of December.\u003C\u002Fp>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-healthcareaccess\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-healthcareaccessrelatives\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-healthinsurance\">\u003Ch3>\u003C\u002Fh3>\u003Cdiv class=\"cbaClause highlight\" id=\"clause-healthinsurancerelatives\">\u003Ch3>30.\tSTAFF MEDICAL SCHEME\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>The bank shall provide a medical scheme for the employee and their immediate family of spouse, biological children and registered dependent.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Cp>\u003Cbr>\n\u003C\u002Fp>\n\u003Ch3>31.\tGRIEVANCES AND DISCIPLNARY CODE\u003Cbr>\n\u003C\u002Fh3>\n\u003Cp>Subject to the Bank's policies, the bank and the Union shall ensure that staff disciplinary code and procedures is agreed upon for all union members.\u003Cbr>\n  \u003C\u002Fp>\n\u003Cp>IN WITNESS whereof we have hereunder set our hands this\t........... day of\t.............\t two thousand and eighteen.\u003C\u002Fp>\n\n\n",{"WAGES_trigger":44,"ONCERISE_trigger":48,"NOCTPREM_trigger":52,"ANNLEAVE_trigger":56,"OVERTIME_trigger":60,"overtimeallowancetype_general":63,"overtimeallowanceperc1_general":67,"SUNDAY_trigger":69,"hourspweek":71,"hourspmonth":75,"WORKFAM_trigger":79,"paidmaternityleave":83,"paidmaternityleaveduration":85,"jobsecuritymothers":87,"pregnancy":89,"paidpaternityleave":93,"paidpaternityleaveduration":97,"nursingmothers":101,"maternity_nursing_breaks_duration":103,"maternity_nursing_breaks_length":105,"breastfeeding_workingtime":107,"healthcareaccess":111,"healthcareaccessrelatives":115,"healthinsurance":117,"healthinsurancerelatives":119,"funeralpay":121,"contracttrial":125,"contracttrialperiod":129,"contractseverancepay":131},{"bindId":45,"name":46,"text":47},"WAGES_trigger","3. RATES OF PAY Salary shall be negotiat","3.\tRATES OF PAY\n\nSalary shall be negotiated between management and the Union every 12 months and shall be effective from January of each year following conclusive agreement of negotiations.",{"bindId":49,"name":50,"text":51},"ONCERISE_trigger","29. CHRISTAMAS GIFT All employees shall ","29.\tCHRISTAMAS GIFT\n\nAll employees shall be entitled to one month’s basic salary as Christmas gift in the month of December.",{"bindId":53,"name":54,"text":55},"NOCTPREM_trigger","6. OVERTIME Overtime shall be 1.5 times ","6.\tOVERTIME\n\nOvertime shall be 1.5 times the hourly rate on ordinary days and double the hourly rate on Sundays and Public holidays.\n\n\n    \tIn addition to overtime which shall be paid at the end of the month, an employee who is authorized to work beyond 19.00hours shall be entitled to K55.00 Dinner allowance and transport to their home.\n    Prior authorization from the supervisor shall be sought to work overtime in line with the bank authorization procedure in place.",{"bindId":57,"name":58,"text":59},"ANNLEAVE_trigger","20. ANNUAL LEAVE ALLOWANCE Annual Leave ","20.\tANNUAL LEAVE ALLOWANCE\n\nAnnual Leave Allowance of 10% (ten percent) of employee’s annual basic salary shall be paid to an employee who proceeds on leave.",{"bindId":61,"name":54,"text":62},"OVERTIME_trigger","6.\tOVERTIME\n\nOvertime shall be 1.5 times the hourly rate on ordinary days and double the hourly rate on Sundays and Public holidays.\n\n\n    \tIn addition to overtime which shall be paid at the end of the month, an employee who is authorized to work beyond 19.00hours shall be entitled to K55.00 Dinner allowance and transport to their home.\n    Prior authorization from the supervisor shall be sought to work overtime in line with the bank authorization procedure in place.\n  \n   Employees required to work on holidays and Sundays shall be provided with transport to and from home.\n  \n   Where an employee is required to work on a holiday and Sunday, works during lunch, lunch allowance of K55.00 shall be paid.\n  \n   Where an employee required to work on Sundays and public holidays beyond 19: 00 hours, he\u002Fshe shall be entitled to Dinner allowance of K55.00.",{"bindId":64,"name":65,"text":66},"overtimeallowancetype_general","Overtime shall be 1.5 times the hourly r","Overtime shall be 1.5 times the hourly rate on ordinary days and double the hourly rate on Sundays and Public holidays.",{"bindId":68,"name":65,"text":66},"overtimeallowanceperc1_general",{"bindId":70,"name":65,"text":66},"SUNDAY_trigger",{"bindId":72,"name":73,"text":74},"hourspweek","4. HOURS OF WORK Hours of work shall be ","4.\tHOURS OF WORK\n\nHours of work shall be restricted to 45 hours per week and one hundred and seventy six (176) hours per month inclusive of working Saturdays. Subject to the terms and conditions of the Bank’s Staff Handbook and the requirement to obtain prior authorization from a Supervisor, overtime will be paid for hours exceeding the working hours in that month under consideration or within a week of each particular month where the hours do not exceed 176.",{"bindId":76,"name":77,"text":78},"hourspmonth","Hours of work shall be restricted to 45 ","Hours of work shall be restricted to 45 hours per week and one hundred and seventy six (176) hours per month inclusive of working Saturdays. Subject to the terms and conditions of the Bank’s Staff Handbook and the requirement to obtain prior authorization from a Supervisor, overtime will be paid for hours exceeding the working hours in that month under consideration or within a week of each particular month where the hours do not exceed 176.",{"bindId":80,"name":81,"text":82},"WORKFAM_trigger","MATERNITY Eligible female employees shal","MATERNITY\n\nEligible female employees shall be entitled to 90 calendar days-paid maternity leave after serving the initial 2 years and thereafter on intervals of not less than two years. This leave shall be exclusive of annual leave which later shall not be taken with maternity leave except with agreement of employer and employee.\n\nBreast feeding mothers shall be allowed to knock off one hour earlier than 17: 00 hours or one hour extra during lunch period. The above said privilege shall only subsist for the duration of one year after date of delivery of the baby.",{"bindId":84,"name":81,"text":82},"paidmaternityleave",{"bindId":86,"name":81,"text":82},"paidmaternityleaveduration",{"bindId":88,"name":81,"text":82},"jobsecuritymothers",{"bindId":90,"name":91,"text":92},"pregnancy","25. BREAST FEEDING Female employee shall","25.\tBREAST FEEDING\n\nFemale employee shall be allowed to breast feed their babies once per day during working hours provided the baby is not older than twelve months. Further, the duration of such breast feeding shall be done administratively with a maximum time allowance of one hour.",{"bindId":94,"name":95,"text":96},"paidpaternityleave","22. PATERNITY LEAVE Eligible male employ","22.\tPATERNITY LEAVE\n\nEligible male employee shall be entitled to five (5) working days paid paternity leave on the birth of his child with a registered spouse after serving the bank for  an initial period of two years. The paternity leave must be taken within the week of birth of the child. This leave will not be cumulative.",{"bindId":98,"name":99,"text":100},"paidpaternityleaveduration","Eligible male employee shall be entitled","Eligible male employee shall be entitled to five (5) working days paid paternity leave on the birth of his child with a registered spouse after serving the bank for  an initial period of two years. The paternity leave must be taken within the week of birth of the child. This leave will not be cumulative.",{"bindId":102,"name":91,"text":92},"nursingmothers",{"bindId":104,"name":91,"text":92},"maternity_nursing_breaks_duration",{"bindId":106,"name":91,"text":92},"maternity_nursing_breaks_length",{"bindId":108,"name":109,"text":110},"breastfeeding_workingtime","Female employee shall be allowed to brea","Female employee shall be allowed to breast feed their babies once per day during working hours provided the baby is not older than twelve months. Further, the duration of such breast feeding shall be done administratively with a maximum time allowance of one hour.",{"bindId":112,"name":113,"text":114},"healthcareaccess","30. STAFF MEDICAL SCHEME The bank shall ","30.\tSTAFF MEDICAL SCHEME\n\nThe bank shall provide a medical scheme for the employee and their immediate family of spouse, biological children and registered dependent.",{"bindId":116,"name":113,"text":114},"healthcareaccessrelatives",{"bindId":118,"name":113,"text":114},"healthinsurance",{"bindId":120,"name":113,"text":114},"healthinsurancerelatives",{"bindId":122,"name":123,"text":124},"funeralpay","FUNERAL EXPENSE In the event of the deat","FUNERAL EXPENSE\n  \nIn the event of the death of a direct Employee, spouse, child, or Parent the following grant shall be paid\n\n  \n  \n  \n    i. Direct Employee \n    ZMW 12500\n  \n  \n    ii. Spouse \n    ZMW 5000\n  \n  \n    iii. Child   (biological\u002Flegally adopted) \n    ZMW 5000\n  \n  \n    iv. Parent\n    ZMW 5000",{"bindId":126,"name":127,"text":128},"contracttrial","14. PROBATION The union may represent ne","14.\tPROBATION\n\nThe union may represent newly recruited employees after joining the bank as long as they have successfully completed the required probationary period and have agreed to such recruitment.\n  The probation period shall be six months with one days’ notice from either side to terminate a contract. Management reserves the right to extend the period of probation for up to a further three (3) months stating the reasons for the extension.",{"bindId":130,"name":127,"text":128},"contracttrialperiod",{"bindId":132,"name":133,"text":134},"contractseverancepay","26. REDUNDANCY Whenever the requirement ","26.\tREDUNDANCY\n\nWhenever the requirement for redundancy arises, the parties shall negotiate the terms and package for employees to be declared redundant in accordance with section 26B of the Employment Act CAP 268 of the Laws of Zambia.","\u003Chtml>\n\n    \u003Cdiv class=\"cobra-report\">\n\n        \u003Ch2>COLLECTIVE AGREEMENT BETWEEN ACCESS BANK AND ZAMBIA UNION OF FINANCIAL INSTITUTIONS AND ALLIED WORKERS JANUARY 2018 TO DECEMBER 2019 - 2018\u003C\u002Fh2>\n\n        \u003Cdiv class=\"section general\">\n\n            \n                \u003Cdiv id=\"display-start_date\">Start date: → 2018-01-01\u003C\u002Fdiv>\n            \n            \n\n            \n                \u003Cdiv id=\"display-end_date\">End date: → 2019-12-31\u003C\u002Fdiv>\n            \n            \n\n            \u003C!-- TODO: previous CBA logic -->\n            \u003C!-- TODO: status logic -->\n\n            \n\n            \u003C!-- TODO: transnational_label, includingcountries_label, national_framework_label -->\n\n            \u003Cdiv id=\"display-SECTOR1\">\n                Name industry: → Financial services, banking, insurance\n            \u003C\u002Fdiv>\n\n            \u003Cdiv id=\"display-NACE2004\">\n                Name industry: → Banking\n            \u003C\u002Fdiv>\n\n            \u003Cdiv id=\"display-FIRMPRI\">\n                Public\u002Fprivate sector: → In the private sector\n            \u003C\u002Fdiv>\n            \n            \u003Cdiv>Concluded by:\u003C\u002Fdiv>\n\n            \u003Cdiv id=\"display-CBA_MNCOMPA_1\">\n\n                \n                    \n                    \u003Cdiv>\n                        Name company: → \n                        \n                    \u003C\u002Fdiv>\n                \n                \u003Cdiv id=\"display-CBA_MNCOMPA_1_txt\">\u003C\u002Fdiv>\n            \u003C\u002Fdiv>\n\n            \n\n            \n\n            \u003Cdiv id=\"display-CBA_MEMTRAD4_1\">\n                Names trade unions: → \n\n                \n                    \n                    \u003Cspan>\n                        \n                    \u003C\u002Fspan>\n                \n\n                \u003Cdiv id=\"display-CBA_MEMTRAD4_1_txt\">\u003C\u002Fdiv>\n            \u003C\u002Fdiv>\n\n            \n\n            \n\n        \u003C\u002Fdiv>\n\n        \n\n        \n\n        \n\n\n        \n\n        \u003Cdiv class=\"section work-family-arrangements\">\n            \u003Ch3 id=\"display-WORKFAM_trigger\">WORK AND FAMILY ARRANGEMENTS\u003C\u002Fh3>\n\n            \u003Cdiv id=\"display-paidmaternityleaveduration\">\n                Maternity paid leave: → 13 weeks\n            \u003C\u002Fdiv>\n\n            \n\n            \u003Cdiv id=\"display-jobsecuritymothers\">Job security after maternity leave: → Yes\u003C\u002Fdiv>\n            \u003Cdiv id=\"display-maternitydiscrimination\">Prohibition of discrimination related to maternity: → No\u003C\u002Fdiv>\n              \u003Cdiv id=\"display-breastfeeding_dangerouswork\">Prohibition to oblige pregnant or breastfeeding workers to perform dangerous or unhealthy work: → No\u003C\u002Fdiv>\n              \u003Cdiv id=\"display-riskassessment\">Workplace risk assessment on the safety and health of pregnant or nursing women: → No\u003C\u002Fdiv>\n              \u003Cdiv id=\"display-alternatives\">Availability of alternatives to dangerous or unhealthy work for pregnant or breastfeeding workers: → No\u003C\u002Fdiv>\n              \u003Cdiv id=\"display-timeoff\">Time off for prenatal medical examinations: → No\u003C\u002Fdiv>\n              \u003Cdiv id=\"display-screeningnonstandard\">Prohibition of screening for pregnancy before regularising non-standard workers: → No\u003C\u002Fdiv>\n              \u003Cdiv id=\"display-screeningpromotion\">Prohibition of screening for pregnancy before promotion: → No\u003C\u002Fdiv> \n            \u003Cdiv id=\"display-nursingmothers\">Facilities for nursing mothers: → Yes\u003C\u002Fdiv>\n            \u003Cdiv id=\"display-childcareprovision\">Employer-provided childcare facilities: → No\u003C\u002Fdiv>\n            \u003Cdiv id=\"display-childcaresubsidy\">Employer-subsidized childcare facilities: → No\u003C\u002Fdiv>\n   \u003Cdiv id=\"display-educationtuition\">Monetary tuition\u002Fsubsidy for children's education: → No\u003C\u002Fdiv>\n   \n            \n\n            \u003Cdiv id=\"display-paidpaternityleaveduration\">\n                Paternity paid leave: → 5 days\n         \u003C\u002Fdiv>\n                        \u003Cdiv id=\"display-deathrelativesleave\">\n                Leave duration in days in case of death of a relative: → 5 days\n            \u003C\u002Fdiv>\n\n        \u003C\u002Fdiv>\n        \n        \n         \n\n        \u003Cdiv class=\"section employment-contracts\">\n            \u003Ch3 id=\"display-EMPCONTR_trigger\">EMPLOYMENT CONTRACTS\u003C\u002Fh3>\n\n            \u003Cdiv id=\"display-contracttrialperiod\">\n                Trial period duration: → 270 days\n            \u003C\u002Fdiv>\n            \n            \n\n            \n            \u003Cdiv id=\"display-part_time_excluded\">Part-time workers excluded from any provision: → No\u003C\u002Fdiv>\n            \u003Cdiv id=\"display-tempagency\">Provisions about temporary workers: → No\u003C\u002Fdiv>\n            \u003Cdiv id=\"display-apprentices_excluded\">Apprentices excluded from any provision: → No\u003C\u002Fdiv>\n            \u003Cdiv id=\"display-minijobs_excluded\">Minijobs\u002Fstudent jobs excluded from any provision: → No\u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n        \n\n        \u003Cdiv class=\"section working-hours\">\n            \u003Ch3 id=\"display-WORKHOURS_trigger\">WORKING HOURS, SCHEDULES AND HOLIDAYS\u003C\u002Fh3>\n\n            \n\n            \u003Cdiv id=\"display-hourspweek\">\n                Working hours per week: → 45.0\n            \u003C\u002Fdiv>\n\n            \u003Cdiv id=\"display-hourspmonth\">\n                Working hours per week: → 176.0\n            \u003C\u002Fdiv>\n\n            \n\n            \n\n            \n\n            \u003Cdiv id=\"display-holidaysdays\">\n                Paid annual leave: → -9.0 days\n            \u003C\u002Fdiv>\n\n            \u003Cdiv id=\"display-holidaysweeks\">\n                Paid annual leave: → -9.0 weeks\n            \u003C\u002Fdiv>\n\n            \u003Cdiv id=\"display-bankholidays2\">\n                Paid bank holidays: → \n            \u003C\u002Fdiv>\n\n            \n\n            \n\n            \u003Cdiv id=\"display-sundays_year\">\n                Maximum number of Sundays \u002F bank holidays that can be worked in a year: → \n            \u003C\u002Fdiv>\n            \n             \n            \n            \n            \n            \n            \n            \u003Cdiv id=\"display-FLEXWORK_trigger\"> Provisions on flexible work arrangements: → Yes\n            \u003C\u002Fdiv>\n            \n        \u003C\u002Fdiv>\n\n        \u003Cdiv class=\"section wages\">\n            \u003Ch3 id=\"display-WAGES_trigger\">WAGES\u003C\u002Fh3>\n\n            \u003Cdiv id=\"display-PAYSCALES_trigger\">\n                Wages determined by means of pay scales: → No\n            \u003C\u002Fdiv>\n\n            \n\n\n            \n            \n\n            \n\n            \n\n            \u003Cdiv id=\"display-COSTLIV_trigger\">Adjustment for rising costs of living: → \u003C\u002Fdiv>\n\n            \n\n            \u003Cdiv>\n                \u003Ch4 id=\"display-ONCERISE_trigger\">Once only extra payment\u003C\u002Fh4>\n                \u003Cdiv id=\"display-incidentalbonusperc1\">\n                    Once only extra payment: →  %\n                \u003C\u002Fdiv>\n                \n                \u003Cdiv id=\"display-extrapayfirmperformance\">Once only extra payment due to company performance: → No\u003C\u002Fdiv>\n                \n            \u003C\u002Fdiv>\n\n            \u003Cdiv>\n                \u003Ch4 id=\"display-NOCTPREM_trigger\">Premium for evening or night work\u003C\u002Fh4>\n                \n                \u003Cdiv id=\"display-shiftallowanceamount1\">\n                    Premium for evening or night work: → ZMW  per month\n                \u003C\u002Fdiv>\n                \u003Cdiv id=\"display-shiftallowancetype1\">Premium for night work only: → No\u003C\u002Fdiv>\n            \u003C\u002Fdiv>\n\n            \n\n            \u003Cdiv>\n                \u003Ch4 id=\"display-ANNLEAVE_trigger\">Extra payment for annual leave\u003C\u002Fh4>\n                \u003Cdiv id=\"display-annleaveallowanceperc1\">\n                    Extra payment for annual leave: → 10.0 % of basic wage\n                \u003C\u002Fdiv>\n                \n            \u003C\u002Fdiv>\n\n\n            \u003Cdiv>\n                \u003Ch4 id=\"display-OVERTIME_trigger\">Premium for overtime work\u003C\u002Fh4>\n                \n                \n            \u003C\u002Fdiv>\n\n            \n\n            \u003Cdiv>\n                \u003Ch4 id=\"display-SUNDAY_trigger\">Premium for Sunday work\u003C\u002Fh4>\n                \u003Cdiv id=\"display-sundayallowanceperc1\">\n                    Premium for Sunday work: → 100 %\n                \u003C\u002Fdiv>\n                \n            \u003C\u002Fdiv>\n\n            \n\n            \n\n            \u003Ch4>Meal vouchers\u003C\u002Fh4>\n\n            \n\n            \u003Cdiv id=\"display-MEALALL_trigger\">Meal allowances provided: → No\u003C\u002Fdiv>\n            \n            \u003Cdiv id=\"display-legalassistance_trigger\">\n                Free legal assistance: → No\n            \u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n\n    \u003C\u002Fdiv>\n\n\u003C\u002Fhtml>\n",[],[],"collective_agreement",[140],{"title":37,"slug":33},[142],{"type":143,"data":144},"call_to_action_body_block",{"title":145,"description":146,"variant":147,"link":148},"Compare Collective Agreements","Compare the articles of the Collective Agreements from Zambia across sectors, topics and countries","dark",{"title":145,"url":149,"description":145,"rel":150,"type":151},"\u002Fen-zm\u002Fwork-in-zambia\u002Fcollective-bargaining-agreement\u002Fcompare-collective-agreements","follow","internal",[153],{"type":143,"data":154},{"title":145,"description":146,"variant":147,"link":155},{"title":145,"url":149,"description":145,"rel":150,"type":151},[]]