Performance and value creation

Our first responsibility is to make a profit. This is the only way in which we can give tangible value to our stakeholders and, directly or indirectly, to society in general - by contributing to the investments of shareholders and consumers, paying salaries, providing quality services to customers, supporting the bank-related business created around us, paying taxes to improve public services, and by taking part in the development of the economies in which we operate.

We believe that, in order to do this sustainably over time, it is fundamental to invest in assets and resources defined as "intangibles" because they are normally not highlighted in company reports. But to us and stakeholders they provide a more complete assessment of our potential and room for growth.