A series of events of great adversity over the recent past combined to unleash a perfect storm in Sri Lanka. No person or sector of endeavour including the banking industry was spared the ill effects of the economic mayhem that followed. Despite the many negatives experienced, the inherent strength coupled with the yeoman effort and professionalism of our staff helped the Bank to remain resilient. We also kept faith in our proven prudence of strategy, and adherence to a progressive drive towards enhancements in technology, customer convenience and operational efficiencies, to take the Bank forward. These lend context to the overall performance for the year and the solidity of the Bank’s proposition.