Pursuing sustainable growth

Short term

• Achieve asset growth over 15%
• Achieve profit growth over 20%
• Maintain average interest spread above 5%
• Maintain Non-performing Advances (NPA) ratio below 4.5% and impairment charge ratio below 1%
• Utilise capital efficiently and maintain capital adequacy levels above 13%

Medium to long term

• Recapture the market share in terms of asset base, to increase the share to
  at least 15% to achieve market leadership
• Increase the return on portfolio to 21%
• Maintain NPA ratio below 4.0%
• Maintain a strong capital base while complying with regulatory requirements

Augmenting customer experience

Short term

• Improve relationships with customers and customer satisfaction levels
• Improve the customer base of the Company
• Update the Company products with technological features to ensure
  the customer convenience
• Ensure the Company’s presence in all populated areas across the country

Medium to long term

• Become the most preferred financial services provider of the country
• Digitalisation of the customer journey while facilitating fingertip information

Achieving execution excellence

Short term

• Maintain operational efficiency with a cost to income ratio below 40%
• Improve the relationship with business partners by collaborating with strategic tie-ups
• Maintain right mix of marketing and back-office staff to meet business requirements
• Improve the efficiency of the staff

Medium to long term

• Achieve the industry’s lowest cost to income ratio
• Strengthen the workforce to meet rising competition

Promoting efficient resource use

Short term

• Reduce short-term maturity mismatch by raising stable funding
• Maintain operational performance in line with the risk tolerance levels stipulated within the risk appetite framework
• Maintain 40%-60% mix in the fund base between borrowings and deposit
• Maintain operational performance in line with the risk tolerance levels stipulated within the risk appetite framework

Medium to long term

• Maintain diversified funding sources while reducing both liquidity and interest rate mismatch in line with the internal limits

Embodying responsible stewardship

Short term

• Maintain the highest standards of compliance and ESG considerations across all operational aspects
• Invest a minimum of 1% of the Company profit and proceeds of available
  charity fund on societal priorities and environment conservation
• Be an environmentally friendly financial solutions provider

Medium to long term

• Continue to be a socially responsible corporate citizen by addressing national and local priorities of the local communities and environment whilst positively contributing to the achievement of SDGs.