It has been almost a year since we last gathered here and to begin my speech, I would like to commend our shareholders for their unwavering loyalty and commitment to this bank. I would also like to thank my colleague directors for the trust reposed in me to lead the bank as Board Chairman. This event therefore marks my first opportunity to engage directly with you in that capacity.

I also take this opportunity to express my deep gratitude to the previous Board led by Mrs.
Mercy Mamle Tetteh for the great work done so far. On behalf of the new team, I congratulate the former Board Chairperson, for her successful leadership, dedication and commitment to the bank. I must add that the past directors are a huge source of inspiration, considering the strong foundation laid and the enviable legacy they handed down to this new Board.

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