Business Model

Our Value Creation Model

The Bank’s value creation process is a system for transforming inputs through business activities into outputs, outcomes, and impact that aims to fulfil the Bank’s vision, mission, and values.

The inputs are both on-balance sheet and off-balance sheet forms of capital that are continually transformed by the Bank’s activities (Management Discussion and Analysis).

The results arising from our activities lead to outputs (products and services), outcomes (value created by the Bank for itself and for its stakeholders as a consequence of the outputs), and impact. They form a cascade across a short, medium, and long term respectively and provide feedback to grow the Bank’s stock of capitals.

Underpinning this flow of capitals are, the trends in the operating environment, sound governance and risk management practices, stakeholder engagement and expectations , materiality, strategic objectives, and the ongoing monitoring and evaluation of performance across the Bank.