Responsible and proactive advice

Relationships and trust are the foundation of everything we do. Our customers entrust us not only their money but also their aspirations and their plans for the future. In a society where uncertainty and complexity increases, we want to be a trustful partner with a long-term perspective.

For SEB, it is important to know our customers and their preferences. We aim to have constructive dialogues and provide responsible and proactive advice to customers about sustainability aspects as well as about the consequences of their activities.

Values that guide us

The starting point for all our business is built upon our core values – customers first, commitment, collaboration and simplicity. They guide our actions and reflect who we are and what we believe in. An important tool is also SEB's Code of Conduct. The Code of Conduct describes SEB’s way of working and guides us in our business relationships. The Code helps employees in their efforts to build long lasting relationships with customers and other stakeholders. 

Read more about SEB's Code of Conduct

Responsible lending

We want to make it easier for our customers to gain control and to get a comprehensive view of their finances. We provide them with the relevant tools to make their own decisions and we highlight the opportunities as well as the risks.

Ensuring that our customers can afford to manage their debt is a key component of all responsible lending. This is why our credit decisions always are based on the customer's individual situation and repayment abilities. Our approach entails fair and ethical marketing, and we consciously avoid products such as loans via mobile phone text messages.

Digital services

Banks, as other sectors, face a growing demand for digital services. The availability of relevant, accessible and targeted information becomes increasingly important as people need to make the right decisions in everyday matters 

In Sweden and the Baltics, we have digital tools to facilitate advising and understanding of customers’ finances. We offer digital pension advice over the phone with a shared screen with contracts that can be signed digitally. In 2018 SEB launched a digital advice tool that gives customers the opportunity to obtain a diagnosis of their personal economies. SEB uses a function that draws on the customer’s total financial situation and not only an investment perspective. 

Customer privacy

The trust of SEB’s customers is based on respect for and protection of customers’ privacy. SEB has worked actively to be compliant with the General Data Protection Regulation (GDPR), the EU reformed data protection legislation that came into force in 2018 and which has strengthened individuals’ rights in terms of how their data are handled by companies.