Sustainability has always been driven from senior management at the Group level, however moving forward we feel that it is important to embed sustainability within all ranks of the company and as such, we have formalised a new Groupwide sustainability governance structure and process that will enable us to manage sustainability in a more structured and effective manner. Our Board of Directors has overall oversight and decision-making responsibility with regards to sustainability. The Sustainability Executive Committee shall comprise of MFCB executive directors and managing directors of the various divisions. The Group Sustainability Committee will be responsible for driving sustainability performance across the Group in a cohesive manner and sharing best practices. On a day-to-day basis, the Division Sustainability Teams will be responsible for implementing all sustainability-related initiatives as well as monitoring and measuring performance. It is envisaged that this new structure will ensure sustainability is integrated across the Group with a shared responsibility for the sustainability performance of the Group.