We are recognised for our financial strength. Efficient and prudent capital and financial management have helped the Group achieve this strategic goal. It also underpins the Group's goals and strategy in terms of profitability, growth and market position.

The capital strategy is aligned to our Group goals and strategy and focuses on:

• Having a strong balance sheet that is not dependent on short term gearing. This will give us a stable platform for growth.
• Having sufficient capital, both to satisfy regulator's capital requirements with a suitable margin and to achieve and maintain BIL's high "A" rating, which is consistent with our target rating range, while also ensuring that the Group does not have excessive capital which would diminish return on equity.