Hello ! My name is Dong Dina, I am the CEO of Kongkea Capital MFI Plc. “KCM”. I would like to express my sincere gratitude to our dedicated team for their hard work and commitment to our mission. I also extend my thanks to our clients for their trust and loyalty, which inspire us to continually improve and innovate. To our board of directors, thank you for your guidance and support. And to our partners, regulators, and investors, your collaboration and confidence in us have been invaluable. In 2023, Kongkea Capital MFI Plc. made significant strides in expanding our reach and impact. Our focus on customer-centric solutions and sustainable growth has yielded impressive results, despite the challenging economic environment. We successfully extended our services new clients in our client base. This growth reflects our dedication to providing essential financial services to underserved communities, particularly in rural areas. This year, we introduced several new financial products tailored to the diverse needs of our clients, including small business loans, agricultural financing, and education loans. These products are designed to empower our clients to achieve their financial goals and improve their quality of life. We continued to prioritize financial literacy, conducting numerous workshops and training sessions to educate our clients on financial management. These programs are critical in helping clients make informed financial decisions and achieve long-term financial stability. Together, we are building a brighter, more inclusive financial future for Cambodia.