The responsibility of the Group is to be successful and in achieving this we are required to balance
the differing interests of our stakeholders. We owe our employees stable, safe and fair employment.
We must provide the high quality products our clients want. Our shareholders demand and deserve
a healthy return on the capital they have trusted to us, which is achieved through a mix of growth
and profit. We must work productively with our respective regulators. We attach importance to making a genuine contribution to the communities in which we operate.

The board has delegated the day to day responsibility for all matters related to Corporate Responsibility to the Executive Directors and the Business Directors.