![Distributable finacial balue](../images/how-we-create-value/pie-chart.png)
Value Distribution
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Retained Earnings
Retained for reinvestment in our resources and businesses for growth which, over time, should benefit all of our stakeholders -
Employees
Discretionary bonus paid to employees through variable cash bonus and long-term incentive share plans -
Society
Contributions to society through direct and indirect taxes, and community investments including donations, in-kind contributions and associated management costs
We also distribute non-financial value to our stakeholders in the following ways.
CUSTOMERS
![customers](../images/how-we-create-value/customers.png)
Delivering suitable products in an innovative, easily accessible and responsible way.
SOCIETY
![society](../images/how-we-create-value/society.png)
Supporting social enterprises, promoting financial inclusion, investing in and implementing environmentally-friendly practices.
EMPLOYEES
![employees](../images/how-we-create-value/employees.png)
Training, enhanced learning experiences as well as health and other benefits for our employees.
REGULATORS
![regulators](../images/how-we-create-value/regulators.png)
Active engagement with local and global regulators and policy makers on new reforms and initiatives that help ensure a sustainable banking industry.