A return on capital of 21% annually and stable dividends at the level of 50% of the net profit according to IFRS - these are the goals set by Saber in the new strategy 2029 on Investor Day. The planned adequacy standard (N20.0) was set at no lower than 13.3%.
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The main driver for maintaining high margins will be the transition to an agent economy. The emphasis is on deep automation: algorithms will take over the data analysis and operating systems, and will perform extreme optimization of processes. This is a clear signal to the stock market - the bank plans to reduce costs through technology, while maintaining a generous financial policy.
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