As we continue to improve our strategic planning processes, we shall endeavor toward enhancing our framework for goal setting, performance measurement, monitoring and evaluation. This calls for further strengthening our strategic planning capabilities that would include the department and business unit levels. Journey towards our vision We have made significant strides in our journey towards becoming a world-class monetary authority.
While it is only one option in the resolution of NPLs, loan sales can play an important role in transferring risks from the banks to other types of investors, which reduces the vulnerability of the domestic banking system to future adverse shocks. It is critical to stress that our Codes of Conduct are afforded to all borrowers.