1 We [ / grow] our business by adapting what [makes / ] our business a success in the UK in recent years to our other international markets.
2 We [ / will have expanded] our Dutch operations with a move into retail banking. Initial figures [ / were] very promising.
3 The fall in our share price [ / is reflecting] problems in the markets, and in the last year we [ / continue] to outperform the stock market overall.
4 Ian Opie [ / will have taken] over as CEO on 1 March 2020, when Rita Flagstad [ / has stepped] down after eight years in the job.