As CEO, my main priority is to bring out the best in our people, making banking simpler and easier for our customers and my colleagues, and improving our customer service through better digital channels for customers while maintaining the personalised service of our team. Our aim is to execute the next phase of HSBC´s growth strategy. I am confident that we shall continue to rise to the challenge and deliver for our shareholders, customers, employees and society at large as we leverage our global strength being the leading international banking brand in Malta.