As Co-Chief Executive of BEA I am privileged to carry on the legacy of our bank, which has one of the longest histories in the Chinese Mainland and Hong Kong. I am passionate about keeping BEA moving with the times, and adding to our story. Through combining our longstanding values with innovations we are finding new ways to serve our customers. We are also integrating advanced technology into our operations to increase our efficiency. As a responsible corporate citizen, our focus on digital enhancements, green lending, and financial inclusion demonstrates our commitment to giving back to the community. On a personal level, I strongly believe in contributing to society, and am actively involved with the Community Chest and the Salvation Army.