The overall theme of Bank Albilad's strategy is centered on leveraging our channels, networks and expertise to deliver sustainable growth. This will be supported by our ongoing efforts to achieve operational excellence and a performance-driven culture. Innovation is key to the success of our products and services which will be further diversified and enhanced to build a highly dynamic business structure. The Bank will also continue its efforts with the aim of developing resources and making good use of its facilities to provide customers with convenient streamlined services, competitive value-added offers, thoughtful experiences and expert advice.