Since 1988, SBI (ShoreBank International) has delivered services and solutions that extend access to capital to un(der)served individuals, households and entrepreneurs globally.  Many SBI current engagements focus on moving beyond access to credit to expanding the range of financial services and products for the un(der) banked, including designing and delivering savings products for low to moderate income people; tapping new technologies to extend access to financial services and products; exploring financial services to promote renewable energy and energy efficiency; expanding access to housing finance, including traditional mortgages and housing microfinance; and building successful small business banking units in the Middle East, Africa and South Asia, as well as in other parts of Asia, Eastern/Central Europe, Latin America and the Caribbean.