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In Accounts Payable and Procurement departments, generating millions in early payment discounts is possible--but it isn't easy.
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This isn't new to us--we've been helping Fortune 500 companies pay their suppliers earlier for over 6 years.
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-The impact SupplierPay will have on your business
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Commercial finance broker Hilton-Baird Financial Solutions conducted its latest SME Trends Index in September 2014, questioning 238 business owners and finance directors on their challenges and expectations.
Here are the results, which include 50% of respondents labelling the level of funding support that's currently available to them as "inadequate".
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apexpeak.com - asyx.com - samselocity.com
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Join financial supply chain experts at an exclusive half day event featuring Taulia customers and their journey with innovative financial technology. Meet finance, procurement and AP peers at these afternoon lunch and learns. For more information, or to join us at the next networking event please reach out to Lexi Harvey at lexi.harvey@taulia.com.
In Accounts Payable and Procurement departments, generating millions in early payment discounts is possible--but it isn't easy.
PayStream's 2014 AP & Working Capital report uncovered the latest research from large corporations who have already implemented eInvoicing and Dynamic Discounting, or are interested in implementing in the next 6 months. In this webinar, you'll learn the top metrics on:
1. Why companies are missing discount opportunities
2. Top concerns with dynamic discounting
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How SupplierPay Will Impact Your Business and How to Get AheadTaulia
On July 11th, 2014, The White House announced an early payment initiative called SupplierPay to help small businesses get access to financing. President Obama selected a group of top executives from 26 of the largest U.S. companies, many of which are already using Taulia, to discuss the impact supplier financing has on the small business economy.
This isn't new to us--we've been helping Fortune 500 companies pay their suppliers earlier for over 6 years.
In this presentation, discover:
-What exactly SupplierPay is and why it matters to the economy
-The impact SupplierPay will have on your business
-How you can easily get ahead
Commercial finance broker Hilton-Baird Financial Solutions conducted its latest SME Trends Index in September 2014, questioning 238 business owners and finance directors on their challenges and expectations.
Here are the results, which include 50% of respondents labelling the level of funding support that's currently available to them as "inadequate".
The Periodic Table of Supply Chain FinanceJon Samsel
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apexpeak.com - asyx.com - samselocity.com
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Most financial institutions don’t understand that the majority of their relationships are not profitable. This results in poor strategic planning especially when dealing with issues with the balance sheet. Senior Management has to understand and deal with different types of risk, along with income statement stagnation in these times of rising interest rates.
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We issued a buy recommendation on Brac Bank with an upside potential of 11.03%.
Disclaimer:
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Team Finomenal || CFA Institute Research Challenge 2018 Bangladesh Finale || ...Kausar Ahmed Pranto
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We issued a buy recommendation on Brac Bank with an upside potential of 11.03%.
Disclaimer:
This presentation is created solely for the purpose of participating in the CFA Institute Research Challenge 2018 Bangladesh Round. We analyzed the industry and company for that purpose only. We won’t be held liable for any investment decision made based on the recommendation in this presentation.
Professor John Paglia, lead researcher for the Pepperdine Private Capital Market Project, spoke at the annual meeting of the National Association of Small Business Investment Companies (NASBIC) in Palm Beach, Florida. He addressed the National Summit for Lower Middle Market Funds, the premier networking event for lower middle market private equity funds, independent sponsors, investors and service providers. http://bschool.pepperdine.edu/privatecapital
This survey, undertaken by Ipsos MORI for the British Business Bank, follows on from the previous 2012, 2014, 2015 and 2016 “SME Journey” surveys to explore SME awareness of different types of external finance and their experience of raising finance. It fed into British Business Bank’s 2017/18 Small Business Finance Markets report to assess how finance markets have changed.
The survey includes new data on the awareness and use of finance by smaller businesses, as well as information of the growth plans of those businesses. Awareness of finance products among SMEs is plateauing, but shopping around when they have a finance need is rising, with fewer considering just one provider.
A broad overview of localisation progress in Africa, focusing on the history and progress made so far. Looking at the contribution of open source, Microsoft, Google and other players over the years.
The aim of the talk was to inform attendees to the ICANN International Domain Name workshop on the area of localisation. As well as to highlight how IDNs are part of the area of enabling localisation.
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oleh Bapak Fanny Rifqi
silakan dipelajari sebagai bahan acuan dan referensi. mohon sertakan dalam daftar pustaka jika anda berniat menduplikasinya. terimakasih.
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how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
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The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
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Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
1. 1 1
22 November 2007
Commonwealth Bank of Australia ACN 123 123 124
Retail Banking Services
Market Update
2. 2
The material that follows is a presentation of general background information about the
Bank’s activities current at the date of the presentation, 22 November 2007. It is
information given in summary form and does not purport to be complete. It is not intended
to be relied upon as advice to investors or potential investors and does not take into
account the investment objectives, financial situation or needs of any particular investor.
These should be considered, with or without professional advice when deciding if an
investment is appropriate.
Disclaimer
5. 5
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel
7. 7
Size and potential
Largest retail bank in Australia
40% of Group NPAT
~9 million customers
Over 16,000 people
~80% customer-facing
Easily the largest and most
accessible distribution network
1,010
3,242
821
2,171
500
1500
2500
3500
Branches ATMs
CBA
Nearest
Major *
Customer Facing Retail Operations Support Office
77%
6%17%
Our People
* Source: APRA June 07
9. 9
Australia’s most convenient bank
Channel figures are approximate
Branches
1,010
sites
ATMs
3,242
terminals
EFTPOS
171,100
machines
NetBank
2 million
active
customers
Australia
Post
3,800
agencies
Call
Centres
120 million
calls pa
Brokers
9,300
brokers
11. 11
Clear vision and strategy
Retail Bank Strategy
Group Vision
To be Australia’s finest financial services organisation
through excelling in customer service
To make it easy for customers
To meet their needs every time
So we can do more business with them
15. 15
Good progress
Extended branch trading
Branch redesign and upgrade
NetBank enhancements
Simple home loans
Meeting customer needsMeeting customer needs
Making it easierMaking it easier
Doing more businessDoing more business
New network operating model
Award winning products
Specialist capability in branches
Needs analysis mastery training
Cross-sell and referral emphasis
Leverage CommSee
17. 17
Complaints
0
0
0
0
0
0
% Customers Satisfied*
CBA
Sep 07
* Roy Morgan
Our customers are happier
Customer satisfaction* at
10 year high
Complaints down 43% in 2007
and continuing to trend lower
Compliments up 69% last
12 months
62%
72%
82%
Jun 05 Dec 05 Jun 06 Dec 06 Jun 07Dec 05 Jun 06 Dec 06 Jun 07Jun 05 Sept 07
Dec 05 Jun 06 Dec 06 Jun 07Jun 05 Sept 07
Complaints
19. 19
Our people are more engaged
^ claims per 1 million hours worked
Safety^
(Claims Frequency Rate)
5.9
4.5
Jun 06 Sept 07
Culture survey trending higher
Safety incidents falling
Turnover stable in tight
labour market
24%
% Culture Survey (CARES)
60
69 70
55
60
65
70
75
May-06 Nov-06 May-07
May 06 Nov 06 May 07
21. 21
Market share improving
Market Share* bps
Home Loans +17
Personal Loans Steady
Credit Cards –84
Deposits +19
* Source: APRA/RBA September 07
Movements since December 2006
Six consecutive monthly increasesSix consecutive monthly increases
Gaining 30% share of net system growthGaining 30% share of net system growth
25. 25
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel
29. 29
1,010 branches
One size fits all
1,010 branches
One size fits all
160
350
350
150
Branches
Tier 1 or 2 criteria not met
~22% branch revenue
~3% branch revenue
3
4
Deposit & Loan base
FTE
Strategic value
~40% branch revenue
2
Flagship branches
Drive most value
Key strategic value
~35% branch revenue1
Contribution to total
branch revenue
Tier
New network operating model
35%
40%
3%
22%
Tier 3
33. 33
Revitalising our branches
New branch design
Trial branches completed
Planned for FY08
− 70 redesigns
− 60 upgrades
Further selective expansion
Supported by specific training
Aligned to new environment
New behaviours
Customer engagement
37. 37
Customer experience
Branch customer experience
survey % advocates
Jan 07 * Sept 07
67%
71%
* New methodology implemented
Regular customer experience surveys
Conducted independently by Roy Morgan
Every branch
Every week
10 point scale (0 lowest, 10 highest)
Results part of KPIs – only 9 and 10
ratings count
71% of customers rate branch experience
9 or 10
Customers at new design branches –
100% advocacy
Sept 07Jan 07*
Branch Customer Experience
Survey % Advocates
43. 43
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel
47. 47
Growth across channels
Strong fundings in both proprietary
and broker channels
Proprietary
Investing in our lending capability
Branch balance growth tracking
closer to market
Broker
#1 lender in broker market
Good business quality
Home Loan Branch Growth
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
Sept 06 Dec 06 Mar 07 June 07 Sept 07
Branch Growth Market Growth
* Sept 07 Quarter
Home Loan Branch Growth
Dec 06 Mar 07 Jun 07Sept 06 Sept 07
Fundings by Channel Sept 07 Qtr
Broker
38%
Premium
13%
Branch
49%
Fundings by Channel*
49. 49
4%
20%
55%
21% Short term wholesale
Long term wholesale
Securitisation
Retail
Source of Funding ^
* Source: APRA Sept 07
^ As at 30 June 2007
Relative funding advantage
Clear #1 deposit franchise - 29% share*
Diversified funding mix
Deposits 55% of Group funding
Little reliance on securitisation
53. 53
20%
4%
38%
38%
Percentage of Total Deposit Balances
2006*
Effectively managing back book substitution
Gradual shift in portfolio mix
Modest substitution to date
Good volume of external funds
Use of segmented offers
Overall deposits margin holding up
2007*
* As at 30 June
1%
38%
34%
8%
19%
Other Transaction
Accounts
Investment Accounts
Savings Deposits
Netbank Saver
Business Online Saver
57. 57
Key messages
Reinvestment in our core franchise
Successfully managing the volume/margin trade off
Portfolio quality remains high
Momentum in our key product lines
59. 59
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel
61. 61
* Includes all Severity 1 and 2 IT incidents
(excluding those caused by other financial institutions)
Severity 1 and 2 Incidents Repeated*
June 06 – Sept 07
0
4
8
12
16
20
Jun
Jul
Aug
Sept
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sept
Sev1 Sev2
Nil
#Incidents
IT stability and enhancements
IT platform stability improving
Continued investment in IT and
cost optimisation
Key platform enhancements
NetBank
Call Centre IVR upgrade
Credit Card system upgrade
63. 63
Key Metrics
100,000 customer interactions per day
5m transactions per day
110m statements per year
500,000 items processed per day
5m cards issued per year
Retail Operations Support Staff
Operations
Processing
Collections
Mortgage
Services
Retail operations
Supporting the Bank’s retail front-line
2,700 people
Mortgage Services
Operations Processing
Collections
Focus on continuous improvement
Simple processes
Efficiency
Automation
Centres of functional excellence
Quality
19%
22%
59%
Retail Operations Support Staff
65. 65
May-07 Aug-07 TARGET
85% reduction
Simple home loans
Process and system
improvement
Targeting significant reduction in
lead time to fund
Significant customer and
efficiency benefits
Eliminated middle office from
branch network
National rollout of efficiency
program
Application to ‘Ready-to-Fund’ Lead Time
Lender Support Roles
206
400
May 07 Aug 07
Middle Office Support Roles
8 day reduction8 day reduction
May 07 Aug 07 Target
May 07 Aug 07
69. 69
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel
71. 71
Home Loan Arrears
0.2%
0.4%
0.6%
0.8%
1.0%
1.2%
1.4%
Sep-06 Dec-06 Mar-07 Jun-07 Sep-07
Days+ 30 Days+ 90
0%
10%
20%
30%
40%
50%
60%
70%
80%
0-60 60.1-75 75.1 -80 80.1 -90 90.1+
Original LVR Market LVR - Mar 07
LVR Profile*
*Australian Owner Occupied and Investment Housing only, excludes Lines of Credit
Loans as at 31 Dec 06 and Market Value at March 07
Market Values marked against the APM database
Home loans – portfolio quality
Portfolio credit quality remains sound
Delinquencies improving
Portfolio LVR at 50%
No ‘sub prime’ lending
Collections focus on higher risk loans
Home Loan Arrears
Days 30+ Days 90+
Sept 06 Dec 06 Mar 07 Jun 07 Sept 07
Delinquencies%
73. 73
Home loan stress testing
Overall portfolio showing little signs
of stress
Stable expected losses over past
12 months
Regular stress testing – losses
under APRA extreme stress
scenario $300m (~3 months home
loan net interest earnings)
Policies and procedures to assist
customers in difficulty
75. 75
Consumer Finance Arrears
0.8%
0.9%
1.0%
1.1%
1.2%
1.3%
1.4%
1.5%
Sep-06 Dec-06 M ar-07 Jun-07 Sep-07
+Card 90 +PL 90
0%
1%
2%
3%
4%
5%
6%
7%
Fund Month
Months on Book 3 Months on Book 6 Months on Book 12
Note: Includes Write-Offs
Personal Loans Arrears
Dec 05 Dec 06 Sept 07
Consumer finance – portfolio quality
Credit cards
Strong credit quality
maintained
Improving quality in new
loan book
Personal loans
Continued improvement in
credit quality
Older poorer quality book
replaced by better quality
accounts
New scorecard delivering
higher business volumes at
same level of risk
Dec 04
Dec 06 Mar 07 Jun 07Sept 06 Sept 07
Cards 90+ PL 90+
Delinquencies%%30Days+Arrears
77. 77
Responsible lending
The Australian Law Reform Commission (ALRC) recommending changes
The Bank is in favour of sharing credit stress data – responsible lending
Result in:
Better credit decisions
Opens mainstream credit to currently marginalised groups
Recommendations to government from ALRC (March 2008)
81. 81
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel
83. 83
Key messages
Continuation of a clear vision and strategy
Size and scale – a unique competitive advantage
Key priorities
Engaged people
Customer satisfaction
Revenue
Leverage scale more effectively
Early results encouraging
85. 85
Today
Our journey Ross McEwan
Revitalising our distribution Grahame Carney
Enhancing our product performance Michael Cant
Simplifying our operations Vittoria Shortt
Managing risk David Grafton
Key messages Ross McEwan
Ask us Panel