FINANCIAL CAPITAL

Our financial resources include shareholder equity and internal accruals. We optimally deploy our financial capital to grow the wealth of our customers and secure their future in the event of any unforeseen circumstances. In the process, we generate robust cash flows, strengthen our balance sheet and create sustainable value for all our stakeholders.

HUMAN CAPITAL

We endeavour to attract the best talent, provide them with multi-faceted development opportunities, support them in maintaining a healthy work-life balance and recognise their achievements through targeted performance-based rewards. We have aligned their goals with that of the Company and ensure we attain greater heights, together.

MANUFACTURED CAPITAL

It comprises tangible fixed assets including our offices, branches and distribution network used for conducting our business activities. It also includes the products and policies that we offer our customers. We strive to enhance our reach and offer a diverse suite of products that cater to the needs of our customers.

SOCIAL AND RELATIONSHIP CAPITAL

We have built long-standing relationships with our customers, business partners, shareholders, regulators and employees. As a responsible corporate citizen, we are also committed to playing an active role in uplifting the communities around us. We aim to strengthen these relationships and create long-term, sustainable value for our stakeholders.

INTELLECTUAL CAPITAL

Our intellectual capital comprises our collective knowledge and expertise to offer innovative products with distinct customer value propositions. This enables us to stay ahead of the curve in today’s dynamic world. It also includes intangible assets such as brand value, digital offerings and platforms, and specialised resources.

NATURAL CAPITAL

We are proactively working towards reducing our environmental footprint. Our key focus areas include energy efficiency, water conservation, waste management, driving paperless ways of working, embracing digital applications and solutions, and reducing the use of plastic, among others.