To develop a professionally governed and managed platform based on relationships, knowledge, sector expertise and technology to: 1. Build a customer-centric Retail Banking Business. 2. Identify and partner with SMEs and Emerging Local Corporates (ELC) with outstanding business models, providing them a full range of financial services so as to enable them to become world-class enterprises. 3. Deliver robust and cost-effective banking services that promote Financial Inclusion, catalyze growth and reduce social inequalities.