On behalf of the Board of Directors, I am delighted to report another year of impressive performance by the Bank.

The performance of 2014 has positioned your Bank as a well consolidated bank with a strong balance sheet and a balanced risk profile.

It is my pleasure to report that our Bank has once again delivered a strong performance despite challenging economic conditions

Our performance is a clear indication of the strength and resilience of the Group resulting from the progress we have made in the past years.

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