ESG Strategy

Our ESG strategy focuses on strategic goals with material business and environmental impact. Our intention is to maximise synergies and ensure a balance between the Group's business goals and ESG responsibilities, and to allow for the effective allocation of resources to optimise value creation for our stakeholders. The ESG strategy focuses on five areas:

• ESG governance: To establish and develop our ESG positioning through integrating ESG factors into our business strategy and decision-making process under the Board's oversight.
• Marketplace: To prioritise green and sustainable banking ("GSB") and differentiate with a focus on small and medium-sized enterprises ("SMEs"), as well as to aim to progressively introduce green and financing products across different customer segments.
• Workplace: To build an engaged and loyal workforce by promoting a healthy working environment as well as by engaging and training our employees to develop their ESG and green finance understanding.
• Community: To enrich our community strategy with a focus on partnering with non-government organisations ("NGOs") to promote youth development, inclusive communities and green awareness, and to scale up our impact on society over time.
• Environment: To sharpen our focus on our environmental key performance indicators ("KPIs") through building internal awareness as well as improving data disclosure quality and efficiency as a means to improve operational efficiency.