Core Values

Customer Focus

  • We exist to take care of our customers' financial needs.
  • We believe that achieving complete customer satisfaction through service excellence is the key to our success.
  • We consider the customer first in all our decision-making.
  • We recognise and serve diverse groups of customers according to their distinctive needs.
  • We build and sustain relationships that are satisfying to our customers.
  • We innovate to anticipate our customers' future requirements.


  • Integrity is at the core of all our relationships. We build trust and confidence in our customers, suppliers, shareholders, the general public and among ourselves.
  • We consistently demonstrate personal integrity through honesty, trustworthiness, fairness, confidentiality and openness in everything that we do.
  • We deliver accurate, reliable and customer-friendly products and services.
  • Our business processes and practices support service excellence while protecting the interests of our customers, employees and shareholders.

Respect For The Individual

  • The more respect we demonstrate to one another, the higher the quality of our working relationships.
  • We listen actively to one another and respond appropriately.
  • Our communications with one another are open, timely and professional.
  • We provide the authority, training, tools and encouragement so that each of us can do our best to serve our customers.
  • We create challenging opportunities for our growth and development.
  • We recognise, value and reward contributions.


  • Our professionalism is the foundation of our superior individual and corporate performance.
  • We each take ownership and personal responsibility for all that we do.
  • We continually develop ourselves to maintain leading-edge capabilities.
  • We apply our extensive industry knowledge and technical competence to our competitive advantage.
  • We consistently produce results of the highest quality.
  • We are positive, confident and objective in all our business interactions.

Results Orientation

  • We engage in business to provide superior returns to our shareholders.
  • We focus on achieving results that add the best possible value for all our stakeholders.
  • We are cost-conscious in all our activities.
  • We continually improve on what we do to serve our customers.
  • We use the power of teamwork to improve results significantly.
  • We aggressively pursue market share, growth and industry leadership.
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