4 8 7 1 3 15 2 18 9 17 14 6 11 13 12 16 10 5 Conduct and trust 1 Financial and economic performance 2 Governance, risk and remuneration 3 Conduct and culture 4 Changing regulatory landscape Service leadership 5 Customer experience, support and access 6 Financial capability and empowerment Digital innovation 7 Digital product and service transformation 8 Information security and data privacy Workforce of the future 9 Talent attraction and retention 10 Inclusion and diversity 11 Workforce wellbeing Positive societal impact 12 Supporting communities in need 13 Societal diversity and prosperity 14 Positive impact finance 15 Climate change transition and opportunities Value chain risk 16 Our direct environmental footprint 17 Value chain sustainability risks 18 Macroeconomic and demographic trends1 1.