We will continue to manage the group for long-term profitability by investing appropriately in our diverse portfolio of businesses and in the capability and well being of our people, while applying a disciplined and prudent approach to risk. We understand that our primary aim to improve the returns we deliver to our shareholders requires that we create lasting value for all our stakeholders.

By providing access to credit, savings and insurance products we enable people to improve their quality of life and strengthen their financial security. The provision of finance to large and small businesses facilitates economic growth and job creation, while financing infrastructure and the development of key sectors eases sustainability challenges such as energy and food scarcity, resource depletion and climate change.

We will continue to improve our sector coverage, expand our activities across the entire commodity value chain and put more of our people closer to our clients in the countries in which they operate.