We provide a range of banking and financial products and services to more than 5.7 million retail customers. We employ over 39,000 people worldwide. Customer focus: continuing our focus on simplicity, convenience and responsibility. Marketing and sales: shifting our thinking from selling commodity products and being more customer focused in the way we market ourselves and serve our customers. Technology: improving technology to the levels used by banks globally. Performance: out-performing at every level – financial out-performance, out-performance in customer service and in our work ethic.