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Technology and lnnovation

Strengthening Connections. Fostering Success.

2018 Corporate Social Responsibility

Summary of Our Efforts »

Es Download 2018 CSR Report

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Stakeholder Engagement»

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Our customers mcreasingly prefer to use online, mobile and ATM channels to complete their financial transactlons. To meet their expectatlons, we mvest m new ideas and evolving technology, includmg:

•    Creating a secure em/ironment for innovative change through open application interfaces (APls)

•    Hosting intemal API Fests that encourage employees to use their creativity to develop new Products and sernces for Retail Banking. Asset Management and Corporate & Institutional Banking customers

•    Partnenng with FinTechs and other technology compames to discover best practices that enhance the customer experience

By driving innovation at a faster pace. we believe that we may fundamentally change the way banking is done.

Intelligent Automation

Intelligent automation is software that takes on time-consuming and repetitive manuał tasks traditionally done by employees. freeing them for morę knowtedge-based work and customer interaction Automating these tasks boosts )ob satisfaction while offering many of our employees the chance to gain new skills.

In 2018. we successfully introduced nearly two dozen automated Solutions - or "bots" - into several areas of the bank In 2019 and beyond, this software will open new opportunities that create better service experiences. strengthen security and compliance. and streamline processes to reduce costs

Blockchain

Ledgers have existed in one form or another for centuries They became easier to access when digitized but still reflected what was on paper Now. that's all changing New technology. known as blockchain. is revolutionizing record-keeping and allowing companies and their customers to morę securely gather. record. communicate and audit their financial transactions