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Our value creation over time

We exist to bring prosperity to individuals, enterprises and communities. Mindful of our potential to make a difference, our Group applies a sustainable strategy to creating value in a way that supports the advancement of local communities, the competitiveness of enterprises and the well-being of individuals.


We consider sustainability to be an integral part of our business strategy and believe that our most important contribution to sustainable development is to be an effective, efficient and profitable Group. Our sustainability depends on our effective value chain that consists of managing different kinds of capital - financial, human, intellectual, social and relationship, and natural.

These are fundamental to our business model, influence the quality of the products and services that we provide and have a positive impact on society and the environment as a whole. By providing responsible lending, savings, payments and investment products, we enable individuals to improve their quality of life and enhance their financial stability. By providing finance to small, medium and large corporations and financing the development of key sectors, we contribute to economic growth, job creation and innovation. By improving financial literacy, promoting inclusion and gender balance and conserving natural resources, we also contribute to the achievement of the United Nations' Global Goals for Sustainable Development.

The very nature of our business means that we help our customers and stakeholders manage social and environmental challenges and invest for the future. This in turn contributes to the viability and sustainable growth of local markets and national economies. The success of all our stakeholders ensures our sustainability as a business.

Updated on April 18, 2016.