ESG Strategy and Digital Transformation
1
4
Key strategic pillars to deliver shareholder value
Revenue growth in a more capital
efficient way
Grow high quality new lending
Drive growth in niche areas for
further market penetration
Diversify through non banking
services (insurance and digital
products)
Organisational resilience & ESG
.
•
Embed ESG sustainability in the
Bank's culture
Launch of ESG targets with a
shift of focus on Environment
Invest in our people and promote
talent
ROTE
>10% by
2025
2
Lean operating model
• Continued delivery on the
cost agenda
Improve operating efficiency
whilst funding digital
transformation and investing
in the business
3
•
Asset Quality
Maintain high quality new
lending
Complete legacy de-risking
and management post
pandemic NPE inflows
Normalise Cost of Risk and
reduce other Impairments
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