/invalert-head?PublicFlag=Y E_1 Legal_FA_2015_12_29-c lending are implemented. For deposits, pricing competition may be limited as most banks have turned their focus to improved capability in gaining access

have, or are, developing Stewardship Codes or the equivalent. ‘Stewardship’ is not a term used in this document because it is less well understood in some parts of the world; nonetheless, the discussion