Middle East, Gulf Countries, Africa and Asia are very important market for us and we are progressively building our presence and capability across the region to better support Europe, Gulf Countries, Middle East,, Africa, and Asia and all countries customers operating, trading and transacting in the region, along with other Country clients seeking financial solutions and services.
While we currently have a relatively low cost to income ratio, we continue to seek opportunities to streamline and simplify our business, to improve the quality of experience for customers and reduce our unit costs.