As stated in Michael McMillan's report Codes of Ethics: If You Adopt One, Will They Behave?, there is no guarantee that colleagues will behave ethically, just because there is a code of ethics. Andrews will be responsible for ensuring that an ethical culture is created and fostered by senior management and the Board of Directors. This means that they must demonstrate their commitment to BBB Bank's ethical values ​​in their daily behavior and actions. Senior management must ensure that employees feel confident to discuss and challenge ethical and unethical behavior. A code of ethics cannot just be a piece of paper; it must be lived and applied every day. Managers must monitor and encourage good behavior within their teams and correct any behavior that does not comply with the guidelines.