AYA Bank; which was licensed by the Central Bank of Myanmar on 2nd July, 2010, is the country’s second largest bank with more than (3.2) million customers and (262) branches. Our large and loyal customer base has been one of the key drivers of our success, allowing us for rapid growth over the years. With regard to its portfolio, the paid up capital of AYA Bank stood at MMK (140) Billion, assets at MMK (7) Trillion and equity at MMK (309) Billion. As a member of the United Nations Global Compact (UNGC), AYA Bank is committed to implement global standards in corporate governance and compliance best practices in its management and operations. Our primary business strategy is to provide comprehensive banking and related financial solutions through the initiatives of enabling growth and enriching lives. The bank has also attracted and retained talented staff with both domestic and international exposure and has invested significantly in Learning & Development as a way to ensure long-term sustainable growth for the communities it serves. In Myanmar, we are the leading provider of Auto Loan Product, with the market share of 34% in new car lending market. Taking the drive to cashless transactions and payments, AYA Bank has transformed 52% of active customers to Digital Banking. Management consistently creates significant value to strategic investment partners, driven by digitalization, human resource development, innovative products and services across all customer segments. The bank continues to focus on deepening relationships with customers, providing best-in-class customer service, and leveraging technology as the enabler to rapidly expand the customer base. The bank also aims to further strengthen its governance, risk and compliance structure as a measure to ensure balance and sustain growth.