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Our strategic priorities

Our strategic priorities

To meet the challenges of the current environment, and deliver on our strategy, we have a set of strategic priorities that are reviewed and refreshed each year. We will continue to manage these priorities in a balanced way with an appropriate mix of growth, return, risk and productivity.

Our strategic priorities are:

Performance discipline

  • To be the region’s best performing bank
  • Manage the business in a balanced way across strength, growth, return and productivity
  • Maintain strong levels of capital, to meet the needs of all our stakeholders and requirements of regulators
  • Continue to enhance our funding and liquidity position, including ensuring a diversity of funding pools and optimising the composition of customer deposits
  • Maintain a high quality portfolio of assets, coupled with strong provisioning.

Service Leadership

  • Provide a seamless customer experience across all channels
  • Deepen relationships through context-based customer experiences
  • Acquire new customers by making it simpler, easier and better for people to bank with us.

Digital Transformation

  • Create a 21st century, digitised bank with multi-brand capabilities
  • Simplify products and processes by digitising end-to-end
  • Drive efficiency opportunities from digitisation and consolidation of systems.

Targeted Growth

  • Pursue growth opportunities
  • Focus on stronger growth in small to medium enterprises, wealth and Asia.

Workforce Revolution

  • Focus on a customer service, high performance workforce and culture
  • Strengthen the skills of our people to better serve customers and meet their complete financial needs
  • Empower our people to drive innovation, deliver new and improved ways of working and be responsive to change
  • Continue to enhance the diversity of our workforce.