| Last year was about building on our strengths: |
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 | talented, committed and motivated people |
| relationship banking underpinned by world-leading Customer Relationship Management capabilities |
| strong banking franchises with large customer bases in core markets |
| leveraging wealth management capabilities to expand internationally |
| disciplined financial, risk and capital management |
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| We will continue to build on these strengths and leverage our international assets and capabilities to ensure we deliver strong and sustainable shareholder returns. |
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| We will position ourselves as a trusted adviser to our customers and deliver solutions that help them achieve their goals by: |
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| using our Customer Relationship Management capabilities to develop a superior understanding of customer needs so we can better advise on and deliver the right solutions |
| building upon and integrating our wealth management and banking offerings |
| building and sustaining a high-performance culture |
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| Moving forward we will strive for growth through excellent relationships with each of our steakeholders. Read about our progress... |
