While we accelerate our digital transformation, we also remain disciplined in our overall expense management across the franchise and achieved an efficiency ratio of 44.8%. which is already in line with our medium term target of below 45%.

Feb 20, 2025 / CEO / receipt, needs a key / Roy Gorey, CEO | earnings call 2025-02-20 | transcript c5c82492-b086-49d3-bb34-1728ce95f5c5 | chars 4664-4903 | segment 4