The future bank will be What’s the “new normal”? value-generating Sensing and actively mitigating risks In-built intelligence capabilities to Focus on credit management to reduce NPLs identify and proactively mitigate by monitoring customers who fall into arrears, credit and funding risks whilst minimising revenue compression due Cost-conscious mindset to reduced sales and rate cuts Bank operates with a lean cost-to- income ratio: 30s to low 40s Relevant at the right time Where we are today Propositions and solutions are tailored to individual and business Many customers’ finances are likely to needs and circumstances deteriorate, in turn impacting banks’ NEW Fundamentally robust finances. Businesses and individuals Founded on a well-rounded yet who don’t qualify for the government simplified product portfolio, stimulus packagewill look to their underpinned by the right collateral banks to support them that increases trust, not risks NEW 15