Human capital challenges for banking: 1. Shortage of high-performers (A costly war for talent, Attraction by competitors, Honesty, trust & integrity are critical for employee success and protection of the business) 2. Demand for org transformation (Operational risks, Ambitious growth & expansion, with global talent deployment, Fast support to flexible organizational transformation) 3. Fragmented HR Practices (Strategic misalignment Variations & lack of visibility across locations Separated recruiting, performance management, development & succession)