bankingbusinesscapitalchallengeschangingclaimsconductconsumercop28costcrisisdiversitydutyesgexpectfcafeedbackfinancefirmsfuturegovernmentgridinitiativesinsuranceinvestmentlivingmanagementmarketsmotoroperationalplanprioritiesreformsregulatoryresiliencerulestrategysustainabilitytransitiontrendsupdateyear