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Our business principles

Certain principles are so fundamental to our success that we would like to describe them in some detail. If we can adhere to these principles – and they are not in order of importance – we will reach our goal of becoming the best financial services company in the world. We also hope they will give you a roadmap on how and why we make our decisions.

Aspire to be the best

  • Develop a world-class franchise in every business we operate

  • Be field- and client-driven, consistently delivering the best products and services in a cost-effective way

  • Innovate, test and learn

  • Create powerful brands that carry a commitment of quality and integrity Execute superbly

  • Demand and maintain strong financial discipline, building for good times and bad

  • Create and maintain a fortress balance sheet

  • Design and maintain the best systems and operations

  • Eliminate waste and bureaucracy

  • Maintain a strong system of internal governance and controls

  • Measure performance through a complete and balanced scorecard Build a great and winning culture

  • Operate with the highest standards of integrity

  • Train and retain great managers

  • Be open and honest with ourselves, our colleagues, our shareholders and our communities

  • Get incentives right

  • Foster an environment of respect and inclusiveness

  • Give back to our communities

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