Introduction

We believe that a strong corporate culture inspires passion among employees in what they do. In order to reach a higher level of business performance, new vibrancy has to be injected into our corporate culture. After careful formulation and thorough discussion, the Board approved the Group’s Vision, Mission and Core Values (VMV), the bedrock of our corporate culture, in 2011. With this initiative, we have embarked on building a coherent and bank-wide corporate culture and spirit that will motivate us and move us forward in the 21st century.

Our Vision is:

To be Premier Bank for all.

Our Mission is to:

• Help build sustainable customer satisfaction and provide quality and professional service.
• Nourish employees, Offer rewarding career opportunities and cultivate staff commitment.
• Build sustainable shareholder values and deliver superior returns to shareholders. The first letters of the initial words form “HNB”

Our Core Values are:

• Social Responsibility　- We care for and contribute to our communities.
• Performance　-　We measure results and reward achievement.
• Integrity -　We uphold trustworthiness and business ethics.
• Respect -　We cherish every individual.
• Innovation　-　We encourage creativity.
• Teamwork -　We work together to succeed.

The first letters of the initial words form “SPIRIT” and carry equal importance.

Taken as a whole, our Mission and Core Values form the acronym.

“HNB SPIRIT” – a simple　yet powerful message

that all our employees can identify with and work together as a team towards　corporate goals.