With the stabilisation of the macroeconomy in 2025, confidence returned and the banking sector regained momentum, while the economy remained cognisant of rebuilding needs and the road ahead. On this steadier base, our core strength delivered the stability beneath: strong capital and liquidity, disciplined risk governance, secure technology and trusted stakeholder relationships. Building on that base, we delivered market-leading growth, expanding our share and widening the competitive gap. As digital and technology transformation sharpens agility and convenience, we are positioned to seize opportunities ahead, from innovative propositions to selective overseas expansion, while creating enduring value.