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Code of ethics and professional conduct

Associates, Members and Fellows of RBA International are expected to observe the highest standards of professional behaviour in their work. Quite simply, you must always do what is best for your client, bearing in mind these wise words from the late Dr Stefan Kaminsky:

“The only real asset in retail banking is the customer relationship, products no longer possess value in themselves. They are nothing but instruments subordinated to a higher goal, i.e. that of the optimisation of income use, determined by the value system of an individual. We could call this our mega-product.”

RBA International’s ethical code is summarised in the following oath, which is inspired by the Dutch Bankierseed. Every Certified Retail Banker and Associate is obliged to observe the following oath in their daily work in retail banking:


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