The core competencies of IDLC have always been its focus on innovation, efficiency, and customer-centricity. Based on these core competencies, the SME Division, which started its journey in 2006 with only 6 employees, has now become the largest contributor to the organisation's asset portfolio. IDLC launched some financial solutions tailor-made for SME entrepreneurs, which were the first of their kind in the market. Again, in order to drive efficiency and minimise the turn-around time of our customers, IDLC has taken initiatives such as introducing tab-based banking for our relationship managers, launching scorecard-based loan underwriting for small ticket loans and developing an in-house loan origination system. SME entrepreneurs are the driving force of the country's economy and IDLC is committed to cater to their needs in a faster and more efficient manner. Going forward, we believe that leveraging technology is key to achieving better operational efficiency and providing seamless service to our valued clients. Again, we are prepared to capitalise on the various refinancing schemes offered by our regulator, Bangladesh Bank, so that SME entrepreneurs have access to low-cost financing.