Strategy

Expand Retail Banking Operations

- Concentrate on branch distribution

- Launch new products with focus on mortgage and credit cards

- Customer loyalty through customer service

- Consistent focus on retail credit risk management systems

Develop SME Banking Services

- Utilize strong branch network to develop a leading position in fast-growing

- SME segment

- Expand sales of standardized products while protecting revenue margins

Enlarge and Optimize Branch Network

- Increase coverage of high potential urban markets in cities with over 0.5 million inhabitants

- Optimize branch locations and implement standardized smaller branch formats

- Staff training and process optimization

Maintain Strong Position in Corporate Banking

- Maintain strong position and good credit quality within the large corporate segment

- Further grow in second tier corporate segment and reduce concentration on the loan book

- Increase contribution from fee and commission products and investment banking services

Increase transparency and improve corporate governance

Increase transparency and improve corporate governance in accordance with internationally accepted practices, appointment

of independent members into the Board of Directors, preparation and publication of audited financial statements under International

Accounting Standards on a semi-annual and, thereafter, on a quarterly basis.