Survivability

Why is your bank going to survive?

Shareholder Passivism

Still low engagement of institutional and minority shareholders in the Asian FI space

Goodwill

High level of goodwill towards banks which issued rights to raise capital at high cost

Subprime

Have you really looked carefully in your portfolio not to have any further subprime issues?

What is the level of provisioning you put against rising impairments and subprime?

Profitability

How your bank is going to grow?

How your bank is improving profitability?

Shareholder Activism

Rise of retail and institutional activism and engagement of foreign and domestic investors

Real and Higher Returns

With cost of capital raised and lower return on equity levels going forward many banks need to grow more than double their profit. Increasing pressure on execution and acquisition of growth oriented assets

Cost Management

Can you run down proactively cost with pressure on income?