Materiality

Materiality mapping

Our material issues are those that matter most to our key stakeholders and that have an impact on our ability to create value in the prevailing economic, social and environmental context in which we operate.

Based on the trends observed and the concerns of stakeholders, following material topics were prioritised in alignment with the relevant SDGs as follows:

Priority	Material topic	Topic relevance	Alignment to SDGs
1	Sustainable growth	We need to ensure sustainable business growth by creating shared value to our stakeholders
2	Inclusive finance	Our shared purpose of existence
3	Customer experience	Our customers contribute to our sustainable growth
4	Ethics, integrity and compliance	Our compliance with all applicable laws, regulations and standards safeguard our social license to operate
5	Human talent development	Our employees are the ambassadors of our responsible and ethical service
6	Resource optimisation	In a resource scarce world to reduce our costs
7	Digitalisation	To be future fit as resources become scarcer by transforming business activities with digital technology to increase accessibility and enhance customer experience
8	Cyber resilience and customer privacy	As threats from cyber-attacks increase protecting customers confidential information with integrity and internal controls is a must
9	Innovation	In a Volatile, Uncertain, Complex, and Ambiguous (VUCA) world, embedding trends in product development, innovating business models to be resilient and sustain our business
10	Climate finance	To help businesses affected by climate change to adapt and contribute with our capacity as a financial services provider to build a low carbon economy as a Participating Financial Institution

Responding to our most valued stakeholders

We respond to our stakeholder concerns identifying potential areas for improvement, opportunities for differentiation and necessary changes to our strategy/business model.

This approach strengthens our legitimacy and social license to operate, builds trust and assures our sustainable growth as a socially relevant and responsible corporate citizen. Our strategy and business model is geared towards addressing all material concerns.