Market Leader with Potential for Further Penetration slide image

Market Leader with Potential for Further Penetration

Our Vision and Strategic Pillars Going Forward 0000 To create lifelong partnership with our customers, guiding and supporting them in a changing world Kil Lean Operating Model Robust asset quality Organisational resilience and ESG Revenue growth in capital efficient and diversified way . . Grow high quality new lending Drive growth in niche areas for further market penetration Diversify income further, via insurance and digital Defend margins and prudently manage liquidity Ongoing focus on efficiency • Invest further in digitisation • Further centralise and automate operations enabled by digitisation Maintain asset quality in an uncertain environment • Maintain high quality new lending via strict underwriting criteria • Normalise cost of risk and reduce other impairments • • Lead the transition of Cyprus to a sustainable future Build a forward-looking organisation embracing ESG in all aspects Maintain leading role in social and governance pillars 14
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