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My Report
INPUTS
“Raw materials” for the value driver activities drawn from capitals. Please refer the Statement of Capital Position for the opening capital position as at January 01, 2023 of different capitals built by the Bank over the past 104 years.
Financial capital- Shareholders’ funds
- Borrowed funds
- Financial covenants
- Customer deposits
- Subordinated debt
Manufactured capital- Property, plant and equipment
- Investments in process improvements
- Information and Communication Technology
- Public goods
Intellectual capital- Brand loyalty
- Institutionalised knowledge
- Best practices
- Data analytics
- Trained employees
- Awards and accolades
Human capital- Skills and experience
- Competencies
- Creativity
- Committed and loyal employees
- Healthy workforce
- Equal opportunities
Social and relationship capital- Services and supplies
- Relationships
- Assurance services
- Collaborations and alliances
- Customers
- Contribution to the Bank’s CSR Trust
Natural capital- Utilities
- Refinance funding for solar/digitisation projects
- Social and Environmental Management System (SEMS)
VALUE DRIVER ACTIVITIES
Include primary, support and other value driver activities that promoted growth, positive stakeholder interactions and minimise risk. It is the inputs from the capitals together with relationships, interactions, interdependencies and trade-offs among capitals that generated outputs, leading to creation of value reflected in capitals.
Vision
Mission
Stewardship
Governance
Structure Capital
Management Funding and Liquidity
Management Risk Governance and
Management
Structure Capital
Management Funding and Liquidity
Management Risk Governance and
Management
Support Value Driver Activities
Delivery Channels (offering omni-channel experience)
Internal Processes
Products and Services
Service Standards
Primary Value Driver Activities
Strategic Imperatives
Strategy
(A detailed account of activities undertaken
during the year to deliver value to stakeholders that
enhanced capitals is given in the MD&A)
Purpose
Values
Operating Environment that provides context for value creation
OUTPUTS
Products and services and externalities generated through the value driver activities.
Loans & advances
Investments
Deposits
Forex products
Transactional banking
Fee based services
International Trade related products & services
Travel-related services
REPO transactions
Advisory services
OUTCOMES
Environmentally-responsible, socially-inclusive and economically-enriching consequences of our activities and outputs manifested in capitals as value created. Please refer page 60 of the Statement of Capital Position for the closing capital position as at December 31, 2023 of various indicators under each of the six capitals.
- Responsible finance
- Financial Inclusion
- Sustainable products and services
- Prudent growth
- Customer centricity
- Leading through innovations
- Operational excellence
- Diversification
- Affordable and inclusive finance
- Good governance/transparency
- Compliant and ethical bank
- Green and safe workplace
- Workplace culture
- Sustainable supply chain
- Environmental stewardship
- Empowered and engaged staff
- Training & development
- Optimised operations
- Cordial industrial relations
- Job security
- Collaborations and partnerships
- Social enterprise
- Social engagement
- Environmental engagement
- Empowered communities
- Secure social license
- Memberships in International and local alliances and affiliations
