Group Strategy and Priorities

* Enhance and sustain capital efficiency across the portfolio;
* Capture revenue and cost synergies more systematically;
* Strengthen core capabilities (risk mgmt, IT, HR) and governance;
* Maintain growth and build more sustainable leadership in Retail Banking;
* Grow selectively and more profitably in Wholesale Banking;
* Protect market share and reduce LR in non-Life insurance;
* Continue controlled, quality growth in Life insurance;
* Built more solid foundations in Turkey and Georgia (in banking first).