‘Towards a culture of fairness and security’

Much has happened since the financial crisis started. Countless laws and regulations have been introduced that financial enterprises have to comply with. But according to Theodor Kockelkoren, more needs to happen.

At the ‘Global Risk Regulation Summit’ congress held on 2 December in Amsterdam, Theodor Kockelkoren spoke of the importance of dealing with the roots of harmful behaviour. In his speech, he stressed the need for a change of culture at companies, and the five steps needed to achieve this. He also spoke about how the AFM as a supervisor can support and encourage this type of behaviour.

Read the full speech


The AFM promotes fairness and transparency within financial markets. We are the independent supervisory authority for the savings, lending, investment and insurance markets. We promote the fair and conscientious provision of financial services to consumers and private investors, as well as professional and semi-professional parties. We supervise the fair and efficient operation of the capital markets. Our aim is to improve consumers’ and companies’ confidence in the financial markets, both in the Netherlands and abroad. In performing this task, the AFM contributes to the stability of the financial system, the economy and the reputation and prosperity of the Netherlands.

The AFM is committed to promoting fair and transparent financial markets.

As an independent market conduct authority, we contribute to a sustainable financial system and prosperity in the Netherlands.

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