ESG Strategy and Digital Transformation
Transformation Plan enabling delivery on Strategic Pillars
•
Re-define branch operating
model
. Centralise, streamline and
digitalise admin activities
⚫ Migrate transactions to
alternative channels
Consumer
Banking
Digital Sales
• Introduce digital products through web
and mobile banking platforms (cards,
overdrafts, personal loans, auto loans)
.
• Improve automated campaign capabilities
Transformation
Plan
Efficiency
•
Improve cross selling
Wholesale/SME
•
Improve SME service
model by simplifying and
Banking
standardising product
offering
Our ambition in
the near term
•
Process streamlining (improve "Time to
Yes")
Introduce automatic and semi-automatic
credit decisioning
Optimise and streamline lending process
c.65% of wholesale customers to have a positive economic value added
>30% sales through digital channels
>70% of deposits to migrate to self-service channels
>40% of decisions for consumer lending fully automated
>30% reduction of administrative activities in branch
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