Im p o rt an ce t o S ta ke ho ld er s Macroeconomic and demographic trends Customer experience, support and access Financial capability and empowerment Financial and economic performance Governance, risk and remuneration Conduct and culture Changing regulatory landscape Digital product and service transformation Information security and data privacy Talent attraction and retention Inclusion and diversity Workforce wellbeing Supporting communities in need Societal diversity and prosperity Positive impact finance Climate change transition and opportunities Our direct environmental footprint Value chain sustainability risks ... inform our report themes.