confidence - Investing In Africa

Management Discussions & AnalysisOperation Review (cont’d)“Staff are kept abreast of developments in their area of operation.Here staff are pictured undergoing anti-money laundering training at SBM Park’s fully equipped training centre in Curepipe”Strategic MarketingMarketing has continued to build the Bank’s competitive advantage throughinnovation and by being first to market with exciting new products and services.Strategic emphasis has been placed on refining segmentation and providingbundled offerings appropriate to the different market segments.Optimisation of effective channels has also been a key strategy. Customersbenefit from centralized sales and enquiry support from our Hotline, availablebeyond normal banking hours and Mobile Sales Officers and Personal Bankerscall on customers at their home or office to discuss their financial requirements.93During the forthcoming year efforts will be concentrated in growing marketshare in mortgages and personal loans as well as differentiating our Corporateoffering through a range of new structured loans and foreign currencyborrowing options.