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Our Value Creation

STRATEGIC PRIORITIES

What We Stand For

FINANCIAL HEALTH

  • Financial advisory to our customers to help them make the right/healthy financial decisions
  • Offer our customers solutions and suggestions that cater to their needs so as to help them attain their goals
  • Deliver an excellent customer experience by placing the customers at the center of all our activities
  • Build long-lasting relationships with customers and be their trusted partner

SUSTAINABILITY

  • Positively influence customers, decision-makers and the sector being the leading bank in sustainability; continue to support raising increased awareness of this matter
  • Increase the diversity and use of our sustainable products offered to customers
  • Observe climate change-related risks and opportunities; integrate them into our business processes and risk policies
  • Focus on community investment programs which deliver impactful outcomes on material topics and observe impact investment principles

Drivers of Superior Performance

REACHING MORE CUSTOMERS

  • Expand our customer base and deepen our customers’ relations with our Bank
  • Be wherever our customers are; make effective use of new channels including digital customer acquisition and partnerships
  • Grow in areas of focus while monitoring risk and cost

OPERATIONAL EXCELLENCE

  • Constantly build on our business model in various ways including process automation, transaction convenience and enriched remote services, etc.
  • Increase end-to-end digital solutions, continue to improve experience through investments in our digital platforms
  • Use capital effectively and maximize our value creation while focusing on sustainable growth
  • Constantly improve our business model and processes with operational efficiency point of view while pursuing cost and revenue synergies
  • Effectively manage financial and non-financial risks

Accelerators to Deliver on our Strategy

DATA AND TECHNOLOGY

  • Increase the agility and strength of our technological infrastructure and platforms
  • Speed up our solution processes through artificial intelligence, machine learning and big data interpretation, which is important in the day-to-day operations of the Bank
  • Effectively use data analytics in various areas such as offering the right product to our customers, pricing, risk management, etc.

THE BEST AND MOST ENGAGED TEAM

  • Invest in our human capital with a focus on their development, happiness and well-being in order to ensure work-life balance
  • Form teams nurturing our values, possessing team spirit, acting with shared wisdom, thinking big, are socially responsible and result- oriented
  • Adopt a fair and transparent management policy based on performance, focused on equal opportunities, diversity and internal promotion

OUR VALUE CREATION