Affin Bank Berhad | Annual Report 2020

51 MANAGEMENT DISCUSSION & ANALYSIS AFFIN BANK BERHAD 197501003274 (25046-T) | ANNUAL REPORT 2020 2020 TO 2022 AIM22 METAMORPHOSIS PLAN (A30 INITIATIVES) ENHANCING BANKING PROPOSITION ROE FOCUS : VALUE CREATION PRODUCTIVITY AND EFFICIENCY TURBO CHARGED CASA DIGITAL TRANSFORMATION ACCELERATION PEOPLE : TEAM HIGH PERFORMANCE CULTURE