egments fm 35 30.4 Change of security provider to V 30 25 6.1 dwpbank 20 6.8 15 Internal IT V 10 Project optimization 5 Huxley (Quick Wins) 0 -5 -10 V Outsourcing -15 decentralized IT to ATOS Fixed cost savings Outsourcing host and storage Imple- mentation of core banki