right. Good morning, everyone. Many thanks for hosting us today. This meeting is organized on the back of our brief encounter with the chairman during the airport we briefly discussed and brainstormed two main ideas, and we thought we'd kind of come over and double click on them further and then in the office, the first was kind of how we built on the success we had last year, and congratulations on the great performance, the great numbers that were released, and on winning the best experience for our banking application, we want to build on that further and optimize it, especially as we see, there are a few challenges. Customers are becoming more tech savvy, more digital e com transactions, so there is changes in pricing, increase in risk, so on and so forth. So Christian here we'll cover this for you on the second part, which I understand the chairman was very keen on, is new flows. How can we bring in and explore a new segment which brings new revenue flows to the bank, to both of us as partners, and we thought of discussing with you about the SME sector, which we believe is a topic very close to our hearts together. It is a key component in the vision 2030, of our nation, and it is something kind of in the vision of the bank, or its plan for the coming year, in line with the country's vision. Now in the Levant region, we understand that half of the Arab world's 100 top startups are based in the Levant region. And guess what? From what we have seen in other markets like UAE with Rio, once these startups find the right solution provider, they tend to be super loyal to them, much more than large corporates or consumers, and that's why Sara will talk to you more about that. So I'll let Christian start with the optimization, and then we move ahead. I'm