Financial Capital

The pool of funds that is provided to support the group’s operating activities and enables the businesses to implement and execute their strategy. Financial capital includes share capital, retained income generated by the businesses and funds provided by lenders.

Human Capital

The individuals that are employed within the group. This includes people’s skills, capabilities, knowledge and experience, and how this is applied to develop and improve the products and services offered by the group to its clients.

Social & Relationship Capital

The supportive relationships that have been developed and are maintained with clients, shareholders, regulators, lenders, other stakeholders and other networks.

Intellectual Capital

The knowledge of our people, our intellectual property, institutional memory, brand and reputation. This is closely linked to human and manufactured capital.

Manufactured Capital

Tangible and intangible infrastructure (including information technology assets) that has been developed and is available for use within our operating businesses.

Natural Capital

The renewable and non-renewable natural resources that are utilised to provide services that support the value creation and returns for stakeholders. As a financial services group we must deploy our financial capital in such a way that promotes the preservation of natural capital.