SNS REAAL aims to manifest itself as a company that acts responsibly. In our view, corporate responsibility equals achieving the company's objectives in a manner that takes the stakeholders' interests into account. In practice, this means that our directors, managers and employees act in accordance with shared values: customer-driven, professional, ethical and committed.

Customer-driven
SNS REAAL listens to its clients' wishes and needs: the client takes centre stage. SNS REAAL is committed to helping clients grow their financial capabilities by offering products that meet the clients' needs. Our employees promote the interests of clients both individually and jointly, and handle these interests carefully and professionally.

Professional
Key to financial services is the trust that clients, shareholders, business partners and society place in a service provider like SNS REAAL. This trust is inspired to a large extent by the professionalism that the SNS REAAL employees demonstrate in serving the stakeholders' interests. Professionalism is expressed in aspects such as commitment, employee knowledge and skills, and the agreed quality of the services. In order to continue to operate professionally, we ask our stakeholders to communicate their experiences to us, and we subsequently take this into account in the further provision of our services.

Ethical
SNS REAAL wants to provide high-quality services. This goal can only be achieved if directors, managers and employees act ethically. Ethical conduct means more to SNS REAAL than complying with the law. The company and its employees are expected to always live up to the trust that stakeholders place in SNS REAAL, both in word and deed. This requires transparency and a willingness to listen and to explain how we take the stakeholders' interests into account. Above all, it requires a good dose of common sense.

Commitment
In addition to our commitment to our clients, employees and shareholders, SNS REAAL is also aware of the environment in which it operates. SNS REAAL has traditionally placed great value on the social and economic development of society and actively contributes to this goal. We do so by offering products and services that create value for our shareholders. Furthermore, SNS REAAL contributes to developments in society by sharing knowledge, supporting social and community initiatives and enabling employees to make a socially relevant contribution.