In the practical organisation of services for its customers throughout Europe and with the synergies of financial advisors, employees and product partners, OVB pursues the basic convictions and objectives that can be summarised under the guiding theme "Working together in a partnership to form relationships". In times of major changes, the model expresses the underlying convictions and objectives of our company. It is both the foremost and general guiding principle; it commits all financial advisors, employees and management staff of the OVB Group to certain basic principles of action. These include values such as dependability, fairness and openness towards customers, financial advisers, employees, shareholders and society. Our model is intended to be the guiding principle for our strategy. It illustrates the framework of our ideals and actions to our shareholders, customers and the public and above all to our financial advisors and employees. It is intended to provide us all with orientation and to awaken our enthusiasm, contribute to the success of OVB and form the basis of our daily business.

Satisfied customers

• The success of the OVB business model is crucially determined by the satisfaction of our customers.
• Our customers are the focus of orientation for our thoughts and actions within the company.
• We want our services to bring benefits to people.
• We are a highly efficient and competent partner for our customers who we support on a long-term basis.
• Based on the financial circumstances and capability of the individual customer we provide our customers with individual and comprehensive advice in all matters concerning private provision, capital accumulation, asset protection and real estate acquisition.
• Our goal is for satisfied customers with ongoing trust in our products and services as this enables customer loyalty to be generated from customer satisfaction.

Committed and motivated financial advisors and employees

• With needs-tailored and competitive products, a comprehensive concept for training and further training and performance-related remuneration we offer our financial advisors a reliable partnership, personal appreciation and prospects.
• The skills and commitment of each individual financial advisor and employee ensure the success of OVB.
• We view the financial advisors working for us as co-entrepreneurs from whom we expect an unconditional willingness to perform and a high level of specialist and social competence. As independent commercial agents they sell the financial and pension products of our product partners. This high level of individual responsibility forms the basis for the selling power of our sales force.

Value creation for shareholders

• Our shareholders’ capital entails for us responsibility and the commitment to enhancing the value of their investment in our company.
• Our proven business model and long-term oriented strategy form the basis for continuous and sustained profitable growth.
• Our aim is to satisfy the yield requirements of the capital market; sound capitalisation forms the basis for this.
• We inform our shareholders promptly about our strategic goals and the key factors for the company’s profitability. This way we provide our shareholders with the security of having invested their capital wisely.

Product partners

• We expect from our product partners what we intend to offer to our customers: competence, quality, reliability and flexibility.
• OVB sets the utmost store on the performance and service orientation of its chosen product suppliers. By means of day-to-day contact with its customers, OVB gains a clear idea of which products best meet the needs of its different groups of customers. On this basis it puts together a range of products from several suppliers in each segment and for every market that is constantly updated.
• It is important for our customers to make their selection from a transparent group of high-quality products that their financial advisor is able to explain to them in a competent and detailed manner.
• By configuring sales commission in a similar manner for comparable products, OVB ensures that the sole focus of customer consultations lies on the needs of the customer.

International expansion

• Internationalisation is the key strength of OVB.
• We make consistent use of the opportunities available to us in Europe by opening up future markets with a high level of growth potential.

Society

• Corporate success also depends on our relationship with the political and social environment.
• OVB rises to its social challenge by supporting the principle of the personal responsibility of each individual for securing his or her private future and displaying social commitment.