Growth in core markets focused on serving our customers 

• Our core markets are Austria, Germany, Netherlands, Ireland, Switzerland, United Kingdom and the United States.
• Focus on organic growth and M&A
• Investing in platforms and partnerships to drive growth across the Group
• Pursuing earnings-accretive M&A meeting our Group RoTCE target of > 20%

Drive efficiency through operational excellence

• Focus on the things we can control through “self-help” management
• Simplify, standardize and automate product and service offerings across all channels
• Create simple end-to-end processing across the Group
• Continuously optimize our processes, footprint and technology infrastructure
• Embrace various forms of technological change and invest judiciously in technology
• Foster a meritocratic culture that promotes employees based on merit and character

Maintaining a safe and  secure risk profile

• Maintaining a strong capital position, stable customer funding, conservative underwriting, and a low risk appetite
• Focus on mature and developed markets
• Applying disciplined underwriting in mature markets with a focus on secured lending and risk-adjusted returns
• Maintaining fortress balance sheet
• Proactively managing and mitigating non-financial risk