A culture of relevant and relentless innovation where Ayala's inspired teams sparked new or enhanced solutions to remain relevant to the dynamically changing needs of customers; 3. Rigorous financial management discipline, thus enabling decisive investments to capitalize on opportunities and generate attractive returns, while strengthening risk-resilience especially in times of crises, including the current COVID-19 pandemic; 4. Championing the alignment of Ayala's corporate ambition and goals with world-class standards for sustainability; and environmental, social, and corporate governance; and 5. Placing Ayala at the forefront of the evolving role of corporations to address society's pain points—to create inclusive and sustainable prosperity for all stakeholders and to aid in nation building. "As incoming President and CEO, I aim to build on the firm foundation that Jaime established, guided by our core strategy of maintaining leadership and relevance in the markets we serve," Fernando said.