This will enable the Bank to recruit extra staff with a different profile without increasing our head count. –  Well beyond the Salary Review exercise, it is my earnest resolve to channel more effort towards achieving operational excellence. We shall strive to align our business processes with international standards and best practices. We propose to implement a Performance Review system tagged to productivity.
I believe strongly in periodically reviewing our scorecards. –  We will also push for innovative approaches to manage and develop our people, fortify our management team, and continuously restructure in order to adjust to the requirements of an ever-evolving financial landscape.