Were a bank focused on the future, but without forgetting our past. That includes our centuries of heritage, the customers weve served and the lessons weve learnt. In a rapidly changing world, were taking the time to think long term. That means concentrating on things that build lasting value for our customers, not short term benefit for us. It also means using our deep specialist knowledge and powerful technology to help energise communities and the wider economy. We believe our customers whether individuals, SMEs, large corporates or institutions deserve service that is effortless every day, and brilliant when it matters. So were continuing to invest in market leading digital services that make it easier to bank when and where our customers want to. And were creating innovative new propositions that will let them take control of their finances as never before.