{"id":15521,"date":"2020-06-05T01:04:24","date_gmt":"2020-06-04T18:34:24","guid":{"rendered":"http:\/\/www.uabdev.com.mm\/?page_id=15521"},"modified":"2024-12-09T11:35:48","modified_gmt":"2024-12-09T05:05:48","slug":"our-business-model","status":"publish","type":"page","link":"https:\/\/www.uab.com.mm\/mm\/about-us\/our-business-model\/","title":{"rendered":"uab \u104f \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"15521\" class=\"elementor elementor-15521\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26e8108 e-con-full e-flex e-con e-parent\" data-id=\"26e8108\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-425e575 elementor-widget elementor-widget-image\" data-id=\"425e575\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2048\" height=\"564\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;2048&#39;%20height=&#39;564&#39;%20viewBox%3D&#39;0%200%202048%20564&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2024\/12\/board-of-directors-2.jpg\" class=\"attachment-full size-full wp-image-61687\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2024\/12\/board-of-directors-2.jpg 2048w, \/wp-content\/uploads\/2024\/12\/board-of-directors-2-300x83.jpg 300w, \/wp-content\/uploads\/2024\/12\/board-of-directors-2-1024x282.jpg 1024w, \/wp-content\/uploads\/2024\/12\/board-of-directors-2-768x212.jpg 768w, \/wp-content\/uploads\/2024\/12\/board-of-directors-2-1536x423.jpg 1536w, \/wp-content\/uploads\/2024\/12\/board-of-directors-2-18x5.jpg 18w, \/wp-content\/uploads\/2024\/12\/board-of-directors-2-600x165.jpg 600w\" data-sizes=\"(max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e930c94 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"e930c94\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6807d3\" data-id=\"f6807d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6967389 elementor-widget elementor-widget-html\" data-id=\"6967389\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.sssecbar {\n   white-space: nowrap;\n  overflow-x: auto;\n   overflow-y: hidden;\n   height: 50px;\n    font-size: 14px;\n  }\n\n.sssecbar a {\n    display: inline-block;\n   padding: 60px;\n  text-decoration: none;\n  padding-top: 15px;\n  font-size: 14px;\n  background-color: transparent;\n  color: black;\n  font-weight: 500px;\n  }\n\n.sssecbar a:hover {\ncolor: #2E3092;\n  border-top: 3px solid #2E3092 !important;\n}\n\n\n<\/style>\n<body>\n<center>\n<div class=\"sssecbar\">\n  <a href=\"\/about-us\/what-we-do\"  >\u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f \u101c\u102f\u1015\u103a\u1006\u1031\u102c\u1004\u103a\u1001\u103b\u1000\u103a\u1019\u103b\u102c\u1038<\/a>\n   <a href=\"\/about-us\/our-strategies\/\" >uab \u104f\u1019\u101f\u102c\u1017\u103b\u1030\u101f\u102c<\/a> \n  <a href=\"#\"  style=\"border-top: 3px solid #2E3092 !important;\" >uab \u104f \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036<\/a> \n<\/div>\n<\/center>\n<\/body>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afc99f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afc99f2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b321c3\" data-id=\"8b321c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc2ffbb elementor-widget elementor-widget-text-editor\" data-id=\"fc2ffbb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-family: inherit; font-size: 14px;\"><span style=\"color: #000000;\">About Us \/ <a style=\"color: #000000;\" href=\"\/about-us\">\u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u1021\u1000\u103c\u1031\u102c\u1004\u103a\u1038<\/a> \/<\/span> <span style=\"color: #39b54a;\">uab \u104f \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1083e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1083e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9351510\" data-id=\"9351510\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab4b2d9 elementor-widget elementor-widget-heading\" data-id=\"ab4b2d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">uab \u104f \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c92185e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c92185e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b812c2d\" data-id=\"b812c2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f49dae6\" data-id=\"f49dae6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3129746 elementor-widget elementor-widget-image\" data-id=\"3129746\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"632\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;1024&#39;%20height=&#39;632&#39;%20viewBox%3D&#39;0%200%201024%20632&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2022\/07\/new-create-value-1024x632.png\" class=\"attachment-large size-large wp-image-46500\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2022\/07\/new-create-value-1024x632.png 1024w, \/wp-content\/uploads\/2022\/07\/new-create-value-300x185.png 300w, \/wp-content\/uploads\/2022\/07\/new-create-value-768x474.png 768w, \/wp-content\/uploads\/2022\/07\/new-create-value-1536x947.png 1536w, \/wp-content\/uploads\/2022\/07\/new-create-value-2048x1263.png 2048w, \/wp-content\/uploads\/2022\/07\/new-create-value-16x10.png 16w, \/wp-content\/uploads\/2022\/07\/new-create-value-600x370.png 600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0319e09\" data-id=\"0319e09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8bcb0e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bcb0e9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae5d282\" data-id=\"ae5d282\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e3c517 elementor-widget elementor-widget-text-editor\" data-id=\"2e3c517\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f\u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036\u101e\u100a\u103a \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f\u1021\u101b\u1004\u103a\u1038\u1021\u1019\u103c\u1005\u103a\u1019\u103b\u102c\u1038\u1000\u102d\u102f\u1021\u1000\u1031\u102c\u1004\u103a\u1038\u1006\u102f\u1036\u1038\u1016\u103c\u1014\u1037\u103a\u1000\u103b\u1000\u103a \u1021\u101e\u102f\u1036\u1038\u1015\u103c\u102f\u1015\u103c\u102e\u1038 \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f stakeholders \u1019\u103b\u102c\u1038\u1021\u1010\u103d\u1000\u103a \u101b\u1031\u101b\u103e\u100a\u103a\u1010\u100a\u103a\u1010\u1036\u1037\u101e\u1031\u102c\u1010\u1014\u103a\u1016\u102d\u102f\u1038\u1010\u1005\u103a\u1001\u102f\u1000\u102d\u102f\u1016\u1014\u103a\u1010\u102e\u1038\u1015\u1031\u1038\u1005\u103d\u1019\u103a\u1038\u1014\u102d\u102f\u1004\u103a\u101b\u1014\u103a\u1021\u1010\u103d\u1000\u103a\u1015\u1032 \u1016\u103c\u1005\u103a\u1015\u102b\u101e\u100a\u103a\u104b<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c36c11c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c36c11c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-02ae8fd\" data-id=\"02ae8fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d7c7b7 elementor-widget elementor-widget-text-editor\" data-id=\"7d7c7b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f stakeholders \u1019\u103b\u102c\u1038\u104f \u1021\u1000\u103c\u1036\u1015\u1031\u1038\u1001\u103b\u1000\u103a\u1019\u103b\u102c\u1038\u1014\u103e\u1004\u1037\u103a \u1010\u1000\u103a\u1000\u103c\u103d\u1005\u103d\u102c\u1015\u102b\u101d\u1004\u103a\u1019\u103e\u102f\u101e\u100a\u103a \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f\u1016\u1014\u103a\u1010\u102e\u1038\u1019\u103e\u102f\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1005\u1009\u103a (value creation process) \u1014\u103e\u1004\u1037\u103a \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036\u104f (value creation) \u1021\u1015\u1031\u102b\u103a \u1011\u102d\u101b\u1031\u102c\u1000\u103a\u1019\u103e\u102f\u1021\u1015\u1031\u102b\u103a\u104c \u1021\u1000\u1032\u1016\u103c\u1010\u103a\u1006\u102f\u1036\u1038\u1016\u103c\u1010\u103a\u101b\u1014\u103a \u1019\u103b\u102c\u1038\u1005\u103d\u102c \u1021\u1011\u1031\u102c\u1000\u103a\u1021\u1000\u1030\u1015\u103c\u102f\u1015\u102b\u101e\u100a\u103a\u104b<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4955826 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4955826\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-993d9b5\" data-id=\"993d9b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2927a6 elementor-widget elementor-widget-text-editor\" data-id=\"e2927a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u101b\u1031\u1010\u102d\u102f\u1021\u1000\u103b\u102d\u102f\u1038\u1021\u1019\u103c\u1010\u103a\u1019\u103b\u102c\u1038\u101e\u100a\u103a\u101b\u1031\u101b\u103e\u100a\u103a\u1010\u100a\u103a\u1010\u1036\u1037\u101e\u1031\u102c\u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036\u1010\u100a\u103a\u1011\u1031\u102c\u1004\u103a\u1014\u102d\u102f\u1004\u103a\u101b\u1014\u103a \u1019\u1006\u102e\u101c\u103b\u103e\u1031\u102c\u103a\u101e\u100a\u103a\u1000\u102d\u102f \u1014\u102c\u1038\u101c\u100a\u103a\u101e\u1018\u1031\u102c\u1015\u1031\u102b\u1000\u103a\u101e\u1031\u102c\u1000\u103c\u1031\u102c\u1004\u1037\u103a \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036\u101e\u100a\u103a \u1000\u102c\u101c\u1010\u102d\u102f\u104a \u1000\u102c\u101c\u101c\u1010\u103a\u101b\u100a\u103a\u1019\u103e\u1014\u103a\u1038\u1001\u103b\u1000\u103a \u1014\u103e\u1004\u1037\u103a \u1000\u102c\u101c\u101b\u103e\u100a\u103a\u101b\u100a\u103a\u1019\u103e\u1014\u103a\u1038\u1001\u103b\u1000\u103a\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u101f\u1014\u103a\u1001\u103b\u1000\u103a\u1019\u103b\u103e\u1021\u1031\u102c\u1004\u103a\u1015\u103c\u102f\u101c\u102f\u1015\u103a\u101b\u1014\u103a\u101c\u102d\u102f\u1021\u1015\u103a\u101e\u100a\u103a\u1000\u102d\u102f\u1011\u100a\u1037\u103a\u101e\u103d\u1004\u103a\u1038\u1005\u1009\u103a\u1038\u1005\u102c\u1038\u1011\u102c\u1038\u101e\u100a\u103a\u104b<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-e31e85d e-flex e-con-boxed e-con e-parent\" data-id=\"e31e85d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-675b35b e-con-full e-flex e-con e-child\" data-id=\"675b35b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-645993e elementor-widget elementor-widget-image\" data-id=\"645993e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"1600\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;1333&#39;%20height=&#39;1600&#39;%20viewBox%3D&#39;0%200%201333%201600&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1.jpg\" class=\"attachment-full size-full wp-image-59365\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1.jpg 1333w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-250x300.jpg 250w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-853x1024.jpg 853w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-768x922.jpg 768w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-1280x1536.jpg 1280w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-10x12.jpg 10w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-600x720.jpg 600w\" data-sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25b99b4 e-con-full e-flex e-con e-child\" data-id=\"25b99b4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1aa0ba9 elementor-widget elementor-widget-image\" data-id=\"1aa0ba9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1084\" height=\"1600\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;1084&#39;%20height=&#39;1600&#39;%20viewBox%3D&#39;0%200%201084%201600&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2024\/09\/financial-highlight-1.jpg\" class=\"attachment-full size-full wp-image-59366\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2024\/09\/financial-highlight-1.jpg 1084w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-203x300.jpg 203w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-694x1024.jpg 694w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-768x1134.jpg 768w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-1041x1536.jpg 1041w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-8x12.jpg 8w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-600x886.jpg 600w\" data-sizes=\"(max-width: 1084px) 100vw, 1084px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fa5fad elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9fa5fad\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da3d967 e-con-full e-flex e-con e-child\" data-id=\"da3d967\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9618fd elementor-widget elementor-widget-image\" data-id=\"a9618fd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"1600\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;1333&#39;%20height=&#39;1600&#39;%20viewBox%3D&#39;0%200%201333%201600&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1.jpg\" class=\"attachment-full size-full wp-image-59365\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1.jpg 1333w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-250x300.jpg 250w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-853x1024.jpg 853w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-768x922.jpg 768w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-1280x1536.jpg 1280w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-10x12.jpg 10w, \/wp-content\/uploads\/2024\/09\/five-year-groupfinancial-summary-1-600x720.jpg 600w\" data-sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c4b57d elementor-widget elementor-widget-image\" data-id=\"9c4b57d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1084\" height=\"1600\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20width=&#39;1084&#39;%20height=&#39;1600&#39;%20viewBox%3D&#39;0%200%201084%201600&#39;%2F%3E\" data-czlz data-src=\"\/wp-content\/uploads\/2024\/09\/financial-highlight-1.jpg\" class=\"attachment-full size-full wp-image-59366\" alt=\"\" data-srcset=\"\/wp-content\/uploads\/2024\/09\/financial-highlight-1.jpg 1084w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-203x300.jpg 203w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-694x1024.jpg 694w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-768x1134.jpg 768w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-1041x1536.jpg 1041w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-8x12.jpg 8w, \/wp-content\/uploads\/2024\/09\/financial-highlight-1-600x886.jpg 600w\" data-sizes=\"(max-width: 1084px) 100vw, 1084px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5bc588c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bc588c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-02d4dd2\" data-id=\"02d4dd2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b47c4aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b47c4aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ea20f45\" data-id=\"ea20f45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59a5de0 elementor-widget elementor-widget-text-editor\" data-id=\"59a5de0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may also see the impact on our Non-Financial KPIs and Non-Financial Activities on the link below:\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-610d017 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"610d017\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29fafd9\" data-id=\"29fafd9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd89d12 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"bd89d12\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"\/suspdf\/Strategy\/Impacts\/Our%20KPIs\/Non-Financial-KPIs-24.pdf\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Non-Financial KPIs\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-pdf\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"\/suspdf\/Strategy\/Impacts\/Our%20KPIs\/Non-Financial-KPIs-24.pdf\" >\n\t\t\t\t\t\t\tNon-Financial KPIs\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dbace9 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"8dbace9\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"\/suspdf\/Strategy\/Impacts\/Non-Financial%20Activities\/Non-Financial-Activity-Fiscal-Year-2024.pdf?2\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Non-Financial Activity\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-pdf\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"\/suspdf\/Strategy\/Impacts\/Non-Financial%20Activities\/Non-Financial-Activity-Fiscal-Year-2024.pdf?2\" >\n\t\t\t\t\t\t\tNon-Financial Activity\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33dcb00 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33dcb00\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ad49cb\" data-id=\"5ad49cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f7a8fa elementor-widget elementor-widget-heading\" data-id=\"2f7a8fa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u1021\u1016\u103d\u1032\u1037\u1021\u1005\u100a\u103a\u1038\u1021\u102f\u1015\u103a\u1001\u103b\u102f\u1015\u103a\u101b\u1031\u1038\u101a\u1014\u1039\u1010\u101b\u102c\u1038\u1014\u103e\u1004\u1037\u103a \u1006\u102f\u1036\u1038\u101b\u103e\u102f\u1036\u1038\u1014\u102d\u102f\u1004\u103a\u1001\u103c\u1031\u1019\u103b\u102c\u1038<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d83702 elementor-widget elementor-widget-text-editor\" data-id=\"7d83702\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u1018\u100f\u1039\u100d\u102c\u101b\u1031\u1038\u101d\u1014\u103a\u1006\u1031\u102c\u1004\u103a\u1019\u103e\u102f\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1019\u103b\u102c\u1038\u101e\u100a\u103a \u1018\u100f\u103a\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1019\u103b\u102c\u1038\u1016\u103c\u1005\u103a\u101e\u100a\u1037\u103a\u1021\u101c\u103b\u1031\u102c\u1000\u103a \u1005\u103d\u1014\u1037\u103a\u1005\u102c\u1038\u1019\u103e\u102f\u1014\u103e\u1004\u1037\u103a \u1006\u102f\u1036\u1038\u101b\u103e\u102f\u1036\u1038\u1014\u1005\u103a\u1014\u102c\u1019\u103e\u102f\u1019\u103b\u102c\u1038\u1015\u103c\u102e\u1038 (due to inherent varied term of assets and liabilities) , \u1011\u102d\u102f\u1021\u1000\u103c\u1031\u102c\u1004\u103a\u1038\u1000\u102d\u102f \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f \u1014\u103e\u1005\u103a\u1015\u1010\u103a\u101c\u100a\u103a \u1021\u1005\u102e\u101b\u1004\u103a\u1001\u1036\u1005\u102c\u104f \u1006\u102f\u1036\u1038\u101b\u103e\u102f\u1036\u1038\u1014\u102d\u102f\u1004\u103a\u1001\u103c\u1031\u1006\u102d\u102f\u1004\u103a\u101b\u102c \u1005\u102e\u1019\u1036\u1001\u1014\u1037\u103a\u1001\u103d\u1032\u1019\u103e\u102f \u1021\u1005\u102e\u101b\u1004\u103a\u1001\u1036\u1005\u102c\u1010\u103d\u1004\u103a \u1021\u101e\u1031\u1038\u1005\u102d\u1010\u103a\u1006\u103d\u1031\u1038\u1014\u103d\u1031\u1038\u1011\u102c\u1038\u1015\u102b\u101e\u100a\u103a\u104b This is further exacerbated by the interplay of various intravenous and extraneous factors.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64d851b elementor-widget elementor-widget-heading\" data-id=\"64d851b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">uab bank \u104f \u1019\u1030\u101d\u102b\u1012<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a8e25d elementor-widget elementor-widget-text-editor\" data-id=\"0a8e25d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037 uab bank \u101e\u100a\u103a \u1006\u102f\u1036\u1038\u101b\u103e\u102f\u1036\u1038\u1014\u102d\u102f\u1004\u103a\u1019\u103e\u102f\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1010\u102d\u1000\u103b\u1005\u103d\u102c \u101c\u1031\u1037\u101c\u102c\u1006\u102f\u1036\u1038\u1016\u103c\u1010\u103a\u1015\u103c\u102e\u1038\u1014\u1031\u102c\u1000\u103a \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u104f \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1015\u102f\u1036\u1005\u1036\u1021\u1010\u103d\u1000\u103a\u101b\u101b\u103e\u102d\u101c\u102c\u1014\u102d\u102f\u1004\u103a\u1019\u100a\u1037\u103a \u1021\u1000\u103b\u102d\u102f\u1038\u101b\u101c\u1012\u103a\u1014\u103e\u1004\u1037\u103a \u1021\u1001\u103d\u1004\u1037\u103a\u1021\u101c\u1019\u103a\u1038\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1015\u1031\u1038\u1005\u103d\u1019\u103a\u1038\u1014\u102d\u102f\u1004\u103a\u101e\u1031\u102c \u1021\u1005\u1009\u103a\u1021\u1019\u103c\u1032\u1015\u103c\u1031\u102c\u1004\u103a\u1038\u101c\u1032\u1014\u1031\u101e\u100a\u1037\u103a \u1001\u1031\u1010\u103a\u101b\u1031\u1005\u102e\u1038\u1000\u103c\u1031\u102c\u1004\u103a\u1038\u1000\u102d\u102f \u1021\u1000\u1032\u1016\u103c\u1010\u103a\u101c\u1031\u1037\u101c\u102c\u1015\u102b\u101e\u100a\u103a\u104b \u1024\u1000\u1032\u1037\u101e\u102d\u102f\u1037 \u1016\u103c\u1005\u103a\u1015\u1031\u102b\u103a\u101c\u102c\u1014\u102d\u102f\u1004\u103a\u101e\u100a\u1037\u103a \u1006\u102f\u1036\u1038\u101b\u103e\u102f\u1036\u1038\u1019\u103e\u102f\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1000\u103c\u102d\u102f\u1010\u1004\u103a\u1021\u1000\u1032\u1016\u103c\u1010\u103a\u101c\u1031\u1037\u101c\u102c\u1001\u103c\u1004\u103a\u1038\u1021\u102c\u1038\u1016\u103c\u1004\u1037\u103a \u1011\u102d\u102f\u1006\u102f\u1036\u1038\u101b\u103e\u102f\u1036\u1038\u1019\u103e\u102f\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1016\u103c\u1031\u101b\u103e\u1004\u103a\u1038\u1014\u102d\u102f\u1004\u103a\u101e\u1031\u102c \u1019\u103b\u102c\u1038\u1015\u103c\u102c\u1038\u101c\u103e\u1005\u103d\u102c\u101e\u1031\u102c \u1021\u1001\u103d\u1004\u1037\u103a\u1021\u101c\u1019\u103a\u1038\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u101b\u101b\u103e\u102d\u1005\u1031\u1014\u102d\u102f\u1004\u103a\u1015\u102b\u101e\u100a\u103a\u104b\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-967d5f1 elementor-widget elementor-widget-heading\" data-id=\"967d5f1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u1011\u103d\u1000\u103a\u1015\u1031\u102b\u103a\u101c\u102c\u1014\u1031\u101e\u1031\u102c \u1018\u1031\u1038\u1021\u1014\u1039\u1010\u101b\u102c\u101a\u103a\u1019\u103b\u102c\u1038\u1014\u103e\u1004\u1037\u103a \u1021\u1001\u103d\u1004\u1037\u103a\u1021\u101c\u1019\u103a\u1038\u1019\u103b\u102c\u1038<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdceb7c elementor-widget elementor-widget-text-editor\" data-id=\"cdceb7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><strong>1. Political Crisis Impact <\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6afa2 elementor-widget elementor-widget-text-editor\" data-id=\"7a6afa2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"font-size: 14px;\">Client impact: adverse impact on revenues of affected businesses and unemployment.<\/span><\/li><li><span style=\"font-size: 14px;\">Impact to the Bank: Adequate provision in our books to ensure that the Bank\u2019s Balance Sheet remains strong and workouts with affected customers on-going to protect the quality of loan asset base. Further, the management of liquidity to ensure that there are\u00a0 adequate near liquid resources to meet claims and liabilities.\u00a0<\/span><\/li><li><span style=\"font-size: 14px;\">Opportunities: COVID presented new normal of working from home and presents the banking industry an opportunity of providing digital services. The Bank is well postured for this with its digital wallets, providing services to anyone, anywhere and anytime.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cddf1 elementor-widget elementor-widget-text-editor\" data-id=\"22cddf1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><strong>\u1042\u104b Mobile Wallets<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d7ea5e elementor-widget elementor-widget-text-editor\" data-id=\"4d7ea5e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"font-size: 14px;\">Client impact: Clients moving away from traditional banking channels to alternate fintech mediums.\u00a0<\/span><\/li><li><span style=\"font-size: 14px;\">Impact to the Bank: Competition from banks and mobile financial services entities that are aggressively competing for the digital space. \u00a0<\/span><\/li><li><span style=\"font-size: 14px;\">\u1021\u1001\u103d\u1004\u1037\u103a\u1021\u101c\u1019\u103a\u1038\u1019\u103b\u102c\u1038 - mobile wallets \u1019\u103b\u102c\u1038\u101e\u100a\u103a \u101c\u1030\u1037\u1021\u1016\u103d\u1032\u1037\u1021\u1005\u100a\u103a\u1038\u1019\u103b\u102c\u1038\u1021\u1010\u103d\u1000\u103a \u1018\u100f\u1039\u100d\u102c\u101b\u1031\u1038\u101d\u1014\u103a\u1006\u1031\u102c\u1004\u103a\u1019\u103e\u102f\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1019\u103b\u102c\u1038\u1021\u1000\u103c\u1031\u102c\u1004\u103a\u1038 \u1015\u102d\u102f\u1019\u102d\u102f\u101e\u102d\u1014\u102c\u1038\u101c\u100a\u103a\u1005\u1031\u1015\u103c\u102e\u1038 \u101d\u1014\u103a\u1006\u1031\u102c\u1004\u103a\u1019\u103e\u102f\u1019\u103b\u102c\u1038 \u1021\u101e\u102f\u1036\u1038\u1015\u103c\u102f\u101b\u102c\u1010\u103d\u1004\u103a \u1015\u102d\u102f\u1019\u102d\u102f\u101c\u103d\u101a\u103a\u1000\u1030\u1005\u1031\u1015\u102b\u101e\u100a\u103a\u104b mobile wallets \u1019\u103b\u102c\u1038\u1015\u1031\u102b\u103a\u1011\u103d\u1000\u103a\u101c\u102c\u1001\u103c\u1004\u103a\u1038\u1000\u103c\u1031\u102c\u1004\u1037\u103a \u1004\u103d\u1031\u101e\u102c\u1038\u1021\u1001\u103c\u1031\u1015\u103c\u102f\u1021\u101e\u102f\u1036\u1038\u1005\u103d\u1032\u1001\u103c\u1004\u103a\u1038\u1019\u103e digital \u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u1021\u1016\u103c\u1005\u103a\u101e\u102d\u102f\u1037 \u1000\u1030\u1038\u1015\u103c\u1031\u102c\u1004\u103a\u1038\u1005\u1031\u1015\u103c\u102e\u1038 customers \u1019\u103b\u102c\u1038\u1014\u103e\u1004\u1037\u103a \u1021\u1005\u102f\u101b\u103e\u101a\u103a\u101b\u102c\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1010\u102d\u102f\u1038\u1015\u103d\u102c\u1038\u101c\u102c\u1005\u1031\u1014\u102d\u102f\u1004\u103a\u1015\u102b\u101e\u100a\u103a\u104b<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcca398 elementor-widget elementor-widget-text-editor\" data-id=\"bcca398\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><strong>\u1043\u104b \u1010\u102d\u102f\u1038\u1015\u103d\u102c\u1038\u101c\u102c\u101e\u1031\u102c \u1015\u103c\u102d\u102f\u1004\u103a\u1006\u102d\u102f\u1004\u103a\u1019\u103e\u102f\u1019\u103b\u102c\u1038<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c44ad4f elementor-widget elementor-widget-text-editor\" data-id=\"c44ad4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Emerging from the recovery of COVID-19 and stabilising of the political crisis is the competition from over 40 banks in the market.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6e95cc elementor-widget elementor-widget-text-editor\" data-id=\"b6e95cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"font-size: 14px;\">\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1001\u103d\u1004\u103a\u1010\u103d\u1004\u103a \u1021\u1000\u103b\u102d\u102f\u1038\u101e\u1000\u103a\u101b\u1031\u102c\u1000\u103a\u1019\u103e\u102f\u1019\u103b\u102c\u1038 - \u1010\u1030\u100a\u102e\u101e\u1031\u102c targeted customers \u1019\u103b\u102c\u1038\u1000\u102d\u102f \u101b\u101b\u103e\u102d\u1014\u102d\u102f\u1004\u103a\u101b\u1031\u1038\u1021\u1010\u103d\u1000\u103a \u1015\u103c\u102d\u102f\u1004\u103a\u1006\u102d\u102f\u1004\u103a\u1001\u103c\u1004\u103a\u1038\u00a0<\/span><\/li><li><span style=\"font-size: 14px;\">\u1018\u100f\u103a\u1021\u1015\u1031\u102b\u103a\u1021\u1000\u103b\u102d\u102f\u1038\u101e\u1000\u103a\u101b\u1031\u102c\u1000\u103a\u1019\u103e\u102f\u1019\u103b\u102c\u1038 -  impact to growth rate in new to bank customers and consequential impact on revenues and returns.\u00a0<\/span><\/li><li><span style=\"font-size: 14px;\">\u1021\u1001\u103d\u1004\u1037\u103a\u1021\u101c\u1019\u103a\u1038\u1019\u103b\u102c\u1038 - \u1000\u103b\u103d\u1014\u103a\u102f\u1015\u103a\u1010\u102d\u102f\u1037\u101e\u100a\u103a \u1015\u103c\u102d\u102f\u1004\u103a\u1006\u102d\u102f\u1004\u103a\u1019\u103e\u102f\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1018\u100f\u103a\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1001\u103d\u1004\u103a\u1010\u102d\u102f\u1038\u1010\u1000\u103a\u1005\u1031\u101b\u1031\u1038\u1021\u1010\u103d\u1000\u103a \u1021\u1001\u103d\u1004\u1037\u103a\u1021\u101c\u1019\u103a\u1038\u1010\u1005\u103a\u1001\u102f\u101f\u102f\u101a\u1030\u1006\u1015\u103c\u102e\u1038 peers \u1019\u103b\u102c\u1038\u1006\u102e\u1019\u103e \u1010\u1005\u103a\u1006\u1004\u1037\u103a\u1015\u103c\u1014\u103a\u101c\u100a\u103a \u101c\u1031\u1037\u101c\u102c\u101e\u1004\u103a\u101a\u1030\u1000\u102c \u1021\u1005\u1009\u103a\u1021\u1019\u103c\u1032\u1010\u102d\u102f\u1038\u1010\u1000\u103a\u101b\u1014\u103a \u101a\u103e\u1009\u103a\u1015\u103c\u102d\u102f\u1004\u103a\u1006\u1031\u102c\u1004\u103a\u101b\u103d\u1000\u103a\u101c\u103b\u1000\u103a\u101b\u103e\u102d\u1015\u102b\u101e\u100a\u103a\u104b\u00a0<\/span><\/li><li><span style=\"font-size: 14px;\">Despite the increased competition, the Bank is responding through various strategies and asset size continues to expand month-on-month.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b874f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b874f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2fbf50\" data-id=\"c2fbf50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e978e7d elementor-widget elementor-widget-heading\" data-id=\"e978e7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Heightened Surveillance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4aa115 elementor-widget elementor-widget-text-editor\" data-id=\"d4aa115\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 14px;\">Understanding that the emerging threats are challenging particularly with an environment that is volatile both internationally and locally, the various Management Committees and Board of Directors are ensuring that surveillance is heightened and so that the Bank will adequately respond to all threats. \u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d34ab elementor-widget elementor-widget-text-editor\" data-id=\"f0d34ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a class=\"susdownbtn\" href=\"\/banking-risk\" target=\"_blank \">Banking Risk<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9783ba elementor-widget elementor-widget-text-editor\" data-id=\"c9783ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a class=\"susdownbtn\" href=\"\/about-us\/crisis-response\/\">Crisis Response<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7099b31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7099b31\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c1adff\" data-id=\"5c1adff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d213e2 elementor-widget elementor-widget-spacer\" data-id=\"5d213e2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What We Do Our Strategies Our Business Model About Us \/ &#8230; 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