Distinguished guests, ladies and gentlemen  V.  Problems and challenges  As I have mentioned, our goal is to develop a banking industry that would be strong and proactive in order to be able to support a sustained growth of our economy.
In the years ahead despite the progress we have achieved, we are fully aware that we will continue to face a series of problems and challenges. Given the dynamic nature of the banking industry, it can only be expected that routine, technical, and operational issues will emerge from time to time as we move forward on our journey.