Well qualified and highly employable employees are a collective responsibility of both employers and employees. The employer provides the framework and the facilities, the employee takes the initiative and ensures their own sustainable employability by making use of the facilities provided. A proactive attitude by employees is essential for people to be able to develop along with the changes in the banking sector. Changes in personal circumstances may also affect sustainable employability. For instance, it could be the case that you are an informal carer. It could be important for you to discuss this with your manager.