Management and Policies

Our business model has a strong customer focus and our goal is to be the most trusted financial services provider. This sets a high benchmark on our quality and performance, and puts the onus upon us to comply with the highest ethical principles.
As a major international company, we employ thousands of people and work with hundreds of companies on a daily basis. This means we are taking decisions all the time, many of which are hard and even controversial. Our aim is to make these decisions using experience and expertise in order to develop outcomes that are as beneficial to as many different stakeholders as possible.
Our Policies are setting the framework and creating a common ground of what’s right and what’s wrong. Employees are guided by our Group Risk Policy and Code of Conduct. This code ensures not only that we value and respect the trust of our customers and employees but also that we try to behave in a way that maintains and deserves this trust.
Management processes are about putting sustainable development values into the DNA of daily activities.
For all our financial innovation and expertise, trust remains our most important asset.
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