For us, expertise is:

• Delivering competitive financial solutions through the strongest knowledge, skills and technology
• Listening to the customer and providing relevant advice and offerings
• Being a proactive guide for our customers
• Knowing when to make a decision on the spot and when to get back with the answer
• Dealing constructively with mistakes and always learning from them
• Acknowledging a diversity of opinions and including differing perspectives
• Hard work, training and continuous learning at every staff level
• Striving for best practice externally and internally at all times
• Being humble about individual competencies and knowing that we are stronger as a team
• Delivering our messages in a simple and understandable manner

To us, collaboration is:

• Being a part of finding the best possible solutions for the customers and the Group
• Being helpful and supportive towards customers and colleagues
• Encouraging dialogue and discussion followed by strong execution
• Taking ownership regardless of organisational borders
• Providing constructive feedback, and helping others to succeed and grow
• Challenging others on the basis of understanding and expertise
• Being attentive to people and straightforward
• Sharing the work load as well as the successes
• Encouraging initiatives and engagement
• Sharing ideas openly to co-create solutions

When we talk about agility, we mean:

• Adapting continuously to changes in our business and market environment
• Innovating our offerings and services by understanding and responding to changing customer needs
• Understanding and staying ahead of the trends that reshape our industry
• Continuously improving the customer experience
• Finding new ways to reduce costs and improve efficiency
• Making things simple, convenient and easy to understand
• Challenging existing procedures and behaviours
• Being accessible and fast in our responses
• Being nimble and able to take advantage of new opportunities
• Finding new ways to navigate through complexity

To us, creating value is all about:

• Being aware that long-term shareholder value is created by delivering value for customers
• Understanding customer needs and helping them achieve their ambitions
• Taking the initiative before our customers even express their needs
• Enabling and supporting strong individual performance and rewarding customercentric behaviour
• Empowering people to take action
• Contributing to the success of our customers, employees, shareholders and the societies we are part of by running a solid business
• Being aware of how we create shareholder value
• Being cost and capital efficient
• Simplifying and optimising the way we work
• Delivering continuously improvements and innovations
• Setting ambitious goals and striving for excellence in all we do

By integrity, we mean:

• Ensuring that our values are never compromised
• Having high ethical standards and conducting business in an orderly manner
• Being reliable and always keeping our word and fulfilling our commitments
• Being honest, transparent and predictable
• Eliciting confidence through high quality, precision and promptness
• Treating others with respect
• Acknowledging our impact on society and living up to our responsibilities
• Contributing responsibly to the communities we serve
• Building and maintaining good relationships with our key stakeholders