We are delighted to share that Moody's Ratings has recently upgraded Mashreq's long-term deposit and senior unsecured ratings to A3 from Baa1, with a stable outlook. Moody’s was the last major rating agency to upgrade Mashreq to an A rating, aligning with other agencies who had already recognized our strong performance. This upgrade is a testament to our sustained efforts in enhancing our operational resilience, alongside improvements in our credit fundamentals.