Zenith Bank Plc is a Nigerian commercial bank with international authorization that allows us to operate our subsidiaries overseas. We are one of the strongest and most respected brands in Nigeria. In 2015, we were rated by the Bankers Magazine, UK, as the largest bank in Tier 1 Capital in the country and the seventh biggest bank in Africa. We are also rated among the 300 biggest banks in the world. Our strategy has been anchored on continued investment in quality people, state of the art technology and excellent customer service delivery. The combined intellectual capital and commitment of our staff, management and Board have molded Zenith into the world class institution that it is today. From inception, Zenith Bank clearly set out to distinguish itself in the banking industry through its service quality, drive for a unique customer experience and the caliber of its customer base. Our growth is driven principally by a strategic business focus, commitment to quality service, close attention to risks management, excellent shareholders returns and a conservative business model. Our main service delivery channels remain our branches which currently stand at about 358. The brand has become synonymous with leadership in ICT and innovative banking and is an industry leader in the offering of electronic banking services, such as ATM, POS Terminals, Internet banking, mobile and telephone banking services, amongst others. Our offices are located in prime business and commercial cities in each State of the Federation and they are easily accessible to all clearing offices and zones of the Central Bank of Nigeria. Over the last ten years, we have remained a tier 1 bank despite the prevailing economic and operational circumstances. The bank has efficiently deployed its competitive advantages of excellent customer service, size, brand name, branch network and customer reach, stable management, well motivated workforce, strong capital and liquidity base in order to effectively compete in the Nigerian banking landscape. We have banking and non-banking subsidiaries in Nigeria, Africa and Europe. Our foreign subsidiaries include Zenith Bank UK, Zenith Bank Ghana Limited, Zenith Bank Sierra Leone Limited and Zenith Bank, The Gambia Limited. The Group also has representative offices in South Africa and China. These subsidiaries provide comprehensive trade services to major global corporations and medium sized enterprises operating in their locations. They also provide traditional banking products and services tailored to meet the needs of local customers. Our Nigerian subsidiary, Zenith Pension Custodians Limited offers pension management and custodian services to pension funds administrators. Zenith Bank provides its services through a variety of channels, including its network of branches and ATMs across the various locations where it operates, electronically, through its internet and mobile banking platforms as well as through point of sale terminals. The Group aims to continue to develop and expand the channels through which it provides convenient services to customers. As at December 31, 2015, the Group had approximately 163 off-site locations, strategically situated in various commercial centers around Nigeria in addition to its network of branches. These off site locations comprise small business offices such as kiosks, which are located in airports, university campuses, large shopping malls, or the premises of core customers of the Group, strictly for cash collection purposes. The Group has a total of 1,268 of Automated Teller Machines with 1,206 in Nigeria, 54 in Ghana, 4 in the Gambia and 4 in Sierra Leone. The machines are mounted in branches and strategic locations such as airports, university campuses, large shopping malls and premises of large manufacturing firms employing large numbers of workers. Our issued debit and credit cards are accepted by ATMs of other institutions worldwide. We also collaborate with other card issuing agencies to offer internationally recognized cards, such as MasterCard and Visa, in different currencies. Our range of internet and mobile banking products and services offer customers, services such as collections and remittances of bills, real time internet banking, purchase of mobile phone airtime, funds transfers, cheques requisitions and confirmations, balance enquiries and statement services. We remain focused on delivering world class banking experience in all the countries where we operate and will continue to invest in the best technology and people that would deliver on our service promises to our valuable customers.