Balance Sheet DeriskingDeep derisking of the acquired balance sheet through disposal of non-core assets and restructuring of IT partnerships is likely to reduce risk exposure and strengthen asset quality.
Capital And Shareholder RemunerationA strong capital position supports the bank's payout policy, making shareholder remuneration attractive and appearing well supported by available capital.
Interest Income And Asset PerformanceFunding efficiencies from refinancing and repricing of funding, together with solid recoveries in the non-performing loan business and trading gains on the bond portfolio, should bolster interest income and operating performance.