The goals for our 2016-18 strategic cycle have been largely achieved, highlights being the opening of our representative office in Turkey, introduction of our BBK Lite branches for migrant workers, the roll-out of BBK Privé, and launching new technology platforms within the Bank and its subsidiaries.

The dominant theme of our 2019-21 strategic cycle is fintech. BBK has long been a technology leader, but we need to move to the next level of digital innovation. We must respond to the rapidly changing digital environment and stay ahead of the market.

We are also extending our reach into countries such as Saudi Arabia and Oman, in addition to those where we have presence now: Kuwait, India, the UAE, Turkey, and the UK.