Our Purpose is to deploy finance responsibly to support people and businesses, for the common good and the long term. To do so we must be strong as an institution, prepared for the future, able to navigate change and focused on the evolving needs of our stakeholders. The impact of technology on consumer products and services As the impact of technology on consumers continues to drive innovation and market access, our UK retail and business bank, combined with our international consumer lending, cards and payments franchise, give us breadth across consumer financial services. We have invested in our platforms including cloud technology and our mobile applications, creating more versatile, lower cost infrastructure. Combined with the depth and quality of our customer data and insight, we are well placed to anticipate the ever-changing needs and expectations of consumers and small businesses, delivering more personalised products and services. The role of capital markets as the principal driver of global growth The long-term shift to capital markets as the principal source of funding has continued across both public andPrivate markets, growing the investment banking fee wallet. As one of the few global diversified banks headquartered outside of the US, but with a scale Corporate and Investment Bank in the US, our model allows us to support our clients’ financing activity. We offer expertise in a wide range of services, including financial advisory, capital raising, financing and risk management services. These services help corporations, financial institutions and governments worldwide to raise capital and manage their risks.