We understand uniqueness of the SME business while acknowledging that access to formal financial services for SMEs remains severely constrained. We therefore, are continuously working to offer easy, simple and quick solutions that address this segment’s specific banking needs. We have also established a different Risk Acceptance Framework for assessing SME credit, which position us to better service this segment in a prudent yet progressive way.Moreover, our business plans and strategies generally span beyond one year, 2015 is therefore, a part of our overall strategy. For the SME segment, we expect to continue with our balanced and yet prudent growth drive. Diversification, product innovation leadership and level headed risk culture are the cornerstones of our short and medium term SME Banking strategy.On the corporate banking front, our key focus is to further strengthen SHBs profile as a leading corporate bank in the market. We aim to achieve this through our long term commitment to our corporate clients, by providing industryleading relationship services and by being there for all the financial needs for our relationships. We are also investing in technology to ensure that our corporate clients have access to state-of-the-art delivery channels especially on the trade and transactional services front. To sum it up, our key focus in the corporate space will remain on market share, relationship building, and prudence, to ensure a high quality and profitable business model.