You have institutionalized sustainable systems and processes to bring about life-changing “BFF” experiences to those whom you serve. Thus, you are a powerful force attracting more Filipinos into the banking system. Through your services, you have allowed families and small businesses to grow, to become more productive, and to reach their dreams.
ii)  Implementation of corporate governance standards  During this year, we worked on Corporate Governance, as it is an essential element for the successful implementation of Basel II. We held the first ever seminar on Corporate Governance for UAE Banks' Boards of Directors and senior management on 20th March 2005.