By satisfying customers' needs with care, competence, impartiality and professionalism within the framework of the services Swedbank offers. Swedbank and our employees always act so that proposed and completed transactions can be justified with regard to the bank's reputation and the confidence of our stakeholders, and naturally in light of privacy concerns.

Through our actions, Swedbank lays the foundation of a long-term relationship with each customer.

By knowing customers and their financial needs and understanding each transaction, including its purpose and various components.

By ensuring that the employee who meets the customer has the necessary competence, including knowledge of the financial products and services that are appropriate for that customer.

By providing information on products and services that is as clear and as easily understood as possible, so that customers understand the significance of the financial services discussed and proposed.

By treating customers professionally, regardless of age, gender, religion and ethnic background, and by handling complaints seriously and quickly.

By fulfilling commitments in the manner and within the time period promised, and handling personal information provided by customers in accordance with rules on privacy and integrity considerations in general.

By always being aware of, and trying to avoid, conflicts of interest, so that the other party's interests are properly considered and they are treated fairly.

By observing laws and other regulations, including internal instructions that govern activities – not only literally but also in light of their underlying intent, and by not engaging Swedbank in business that may conflict with current regulations. High ethical standards go further, beyond merely refraining from illegal activity. In doing so, Swedbank remains a comfortable distance from such actions.