Welcome to our al khaliji website. We hope you find that your time spent with us is interesting and insightful. As some of you may be aware, we have set about growing a next generation bank: a bank where customers and levels of service come first. We have listened to what you want to experience from your bank and we are responding to that. Some companies ignore values to focus on short term profits, but at al khaliji we believe that it’s not just what, but also how we do something that’s important. And yes, that does mean we do things differently. We want to put the buzz back into banking, offering our customers, shareholders, staff and suppliers something exciting and new, yet still well connected to our regional focus in the Gulf. As you would expect we are growing rapidly with 498 staff added in just two years from over 35 countries. 2007 and 2008 were great foundation years for al khaliji, one that put the company on the map. Our clear business strategy aimed at capturing growth in the region will continue to create value and we have the dedication and loyalty of our people, the support of our shareholders, the trust of our customers and the wisdom of our Board to thank for all of this. I hope that after visiting our website you will have a sense of what next generation banking looks like and I look forward to welcoming you again soon.