Strategic Priorities

Overall priorities

  • Enhance and sustain capital efficiency across the portfolio
  • Capture revenue and cost synergies more systematically
  • Strengthen core capabilities (risk mgmt, IT, HR) and governance

Sector related

  • Maintain growth and build more sustainable leadership in Retail Banking
  • Grow selectively and more profitably in Wholesale Banking
  • Protect market share and reduce LR in non-Life insurance
  • Continue controlled, quality growth in Life insurance
  • Build more solid foundations in Turkey and Georgia (in banking first)