Although our overall results were adversely affected by difficult markets, we recorded strong growth in our loan book and produced record interest income and fee income.

We are delighted to receive final approval for our branch license in Dubai. The Middle East is experiencing remarkable development and we aim to bridge both Asia and Middle East, the two fastest growing regions in the world.

We are delighted to receive final approval for our branch license in Dubai.

Our margins are better and we maintained asset quality. We will continue to invest in a resurgent Asia but will balance our growth with a stronger focus on productivity.

The explosive growth of lacrosse has been incredible. We hosted five teams in 1991 and every year since the number has increased. This year with an unbelievable 25 major league lacrosse players sprinkled throughout the 14 men's teams, we will have exceptional lacrosse.

The explosive growth of lacrosse has been incredible, ... We hosted five teams in 1991 and every year since the number has increased. This year with an unbelievable 25 major league lacrosse players sprinkled throughout the 14 men's teams, we will have exceptional lacrosse.