Delta Lloyd is committed to conforming to laws and regulations, industry codes and Delta Lloyd’s internal codes of conduct. Every employee has a duty to protect Delta Lloyd’s reputation by abiding by the rules and being open and ethical in everything we do. We regularly meet with Dutch regulators, such as the Authority for the Financial Markets (AFM) and the Dutch central bank (DNB) to discuss regulatory issues. We are committed to fighting fraud and maintaining the highest possible level of integrity in our business. Our focus lies with fraud prevention. We train our staff to detect fraud at an early stage. Our responsible investment policy ensures we include non-financial criteria - environmental, social and governance (ESG) - in the investment decisions we take. We extend our responsibility beyond our operations via our supplier code of conduct and our supply chain responsibility programmes.