Deposit-funded Lending MixA much higher deposit funding share materially reduces reliance on wholesale funding and interest-rate mismatch risk. This strengthens structural liquidity, lowers refinancing vulnerability through cycles, and supports more stable net interest income and lending capacity over the medium term.
Business Banking Market PositionLeading market share in business and SME lending provides durable competitive advantages: scale economics, strong deposit cross-sell, customer stickiness, and a stable fee base. This franchise positioning supports consistent revenue and long-term resilience versus peers.
Capital And Liquidity StrengthHealthy CET1 and robust liquidity ratios give the bank a durable buffer to absorb credit losses and fund growth without near-term capital raises. This enhances regulatory flexibility, supports dividends and lending through downturns, and underpins long-term stability.