As we welcome another new year, I am filled with optimism that 2023 will be a good year for borrowers, employees and their family. Grameen Bank has been working all over Bangladesh since inception to reduce poverty through easy financial access to the rural poor, especially women. As per the last census (2022) we are happy to announce that 67.87% of the borrowers have overcome the poverty line. We have reached a level where we can talk about creating social value through socio-economic development in various fields such as agriculture, fisheries, livestock, forestry, trading, plantation and many more sectors and environment to ensure SDG target. Also aiming to improve employee engagement, we are promoting organizational reforms and the creation of a work environment that we can be proud of, where diverse human resources can work with enthusiasm and play active roles. For 2023 we must continue to stay focused on scaling our business. We need to enhance our ability to respond effectively and efficiently. We must strengthen our relationship with the key business partners Grameen Bank borrowers, our key motivational staff. We think it was also a year in which we were able to take on many challenges and were able to make significant progress as a result. I would like to express my deepest sense of gratitude to the borrowers, employees, board of members for standing fast with the organization through many trying times. I am also indebted to Professor Dr. AKM Saiful Majid, Chairman of the Board, for mentoring me for my new role.