Aurelia Butler

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    Relationship Manager – Saudi National | QS Quest

    Employment: Full Time

    Client is a reputable Private Banking / Wealth Management investment firm located in Riyadh, and they require Relationship Manager.(Saudi National).
    Salary:SAR 20,000 to 22,000 per month inclusive of fixed allowances.Additional benefits: + standard benefits

    Candidates should have the following:5- Years of Wealth Management/ Private Banking experience with a leading regional financial institution. .- Fluent in English and Arabic- Excellent sales and relationship management skills- Strong interpersonal, communication and presentation skills (both verbal and written communication skills)- Strong connections with the business community- Strong understanding of customer & market dynamics and requirements- Presentable.- CME-1 is also essential to be considered.

    QS Quest Ltd – Your Middle East Recruitment Partner
    QS Quest Ltd are a niche Recruitment Consultancy specialising in the placement of Construction & Engineering professionals into the Middle East. We deliver end to end recruitment for both client and candidate, with the ability to identify key Construction & Engineering professionals from all nationalities.
    With a detailed knowledge of the local Middle East market, we have a proven track record of sourcing and delivering key staff for some of the regions most recognised Construction & Engineering projects.
    Geographical areas covered are: Saudi Arabia, Qatar, UAE, Kuwait, Oman. Bahrain and Iran. More

  • 150 Shares189 Views

    Accountant – Finance Division (Mandarin Speaker) | China Construction Bank (DIFC Branch)

    Employment: Full Time

    – Keep maintenance of the data of NG system and set up new product accounting model in the system based on the needs of business.- Check, prepare and process all approved payment vouchers, invoices and reimbursements in accordance with the payment procedure.- Prepare and input adjustments in NGS relating to accounting issues to ensure correctness and completeness of the reports.- Monitor cash liquidity in WC bank accounts (ADCB) to ensure adequate funds are kept in the various accounts to meet our general and salary expenses.- Process month end entries to ensure all the relevant provisions and adjustments are passed and recognized at month end.- Control and report the Nostro accounts and related positions and prepare daily reconciliation report against MT950 and to report, investigate and rectify any discrepancy.- Prepare and submit HO report and CBRC report on timely basis as required by HO and coordinate related enquiries thereafter.- Prepare and provide monthly management reports to assist the management in analyzing the branch monthly performance with in depth analysis what causes the change with comparison to budget, m/o/m and against same month last year results.- Prepare and submit PIB Returns relating to financials and related GLs classification on timely basis and coordinate related enquiries thereafter to meet DFSA requirements and to ensure the completeness and accuracy of the report.- Liaise and coordinate with VAT consultants to prepare the VAT returns and ensure the returns are complete and correct.

    EDUCATION- University graduate or above;- Professional qualification holder.REQUIRED EXPERIENCE- Has recognized qualification in accounting and finance (diploma or degree);- Preferably has 4 to 5 years of working experience in finance related industry;- Have good data processing skills.- Mandarin Speaking is required.

    China Construction Bank (DIFC Branch) is a category 1 Authorized Firm in Dubai International Financial Centre (DIFC) and provides financial services and products to a wide range of business (except the local currency AED business and deposit from local state) for corporate and institution customers, including:Accepting Deposits, Providing Credit,Dealing in Investments as Principal, Dealing in Investments as Agent, Arranging Credit or Deals in Investments, Advising on Financial Products or Credit and Arranging Custody, etc.
    Following China national strategy of ‘One Belt, One Road’, combined with Dubai’s advantage as center of cross-border trade and finance in MENA, CCB DIFC provides comprehensive financial service to Chinese customer with “Go Abroad” strategyand extends CCB’s advantage to local high quality customers, acting as bridge connecting China, Middle East and North Africa. More

  • 125 Shares199 Views

    Dealer – Treasury Department | China Construction Bank (DIFC Branch)

    Employment: Full Time

    For Internal Management,- Execute money market, foreign exchange, fixed income or derivative deals under the delegation and authorities.- Assist the Head of Treasury department in developing the bank’s treasury plans and strategies, determining interest rate characteristics of assets and liabilities.- Assist in preparing documents for the Asset & Liability Committee (ALCO).For Risk Management,- Assist in managing liquidity, market risk limits and regulatory liquidity ratios.- Responsible for management of Financial Institutions (FI) treasury limits. These include liaising with head office officials as and when necessary.- To manage the minimum cash balance, minimum liquid assets for reserve requirement.For Trading,- Manage and monitor the bank’s funding positions of all currencies and inter-bank counterparty limit.- Cover FX (spot and forwards) positions arising from customers’ trades (banks and corporates).- Manage the administration of treasury investment portfolio, as well as conducting the annual credit review.- Manage the onboarding and KYC/KYC review of treasury FI counterparties.For Reporting,- Perform relief duties for treasury activities as and when required.- Prepare Periodical reports to HO.To fulfill the listed project role accordingly, including but not limited to- NGS- Bloomberg POMS (AIM)- Kondor Plus- Reuters Dealing/ FXT- Reuters EikonConduct business development.Prepare market analysis periodically and provide to other departments and management for reference.Fulfill the backup role and responsibility and meet the specific requirement.

    – Bachelor’s Degree and above, preferably with a concentration in Business, Accounting or Finance.- Mandarin Speaking is preferred.- At least 3 years of experience in front office of treasury.- Good understanding of treasury products and financial market.- Experience in using Reuters Eikon, Reuters Dealing, Bloomberg terminal.- Familiar with the local regulatory liquidity risk, market risk policy.

    China Construction Bank (DIFC Branch) is a category 1 Authorized Firm in Dubai International Financial Centre (DIFC) and provides financial services and products to a wide range of business (except the local currency AED business and deposit from local state) for corporate and institution customers, including:Accepting Deposits, Providing Credit,Dealing in Investments as Principal, Dealing in Investments as Agent, Arranging Credit or Deals in Investments, Advising on Financial Products or Credit and Arranging Custody, etc.
    Following China national strategy of ‘One Belt, One Road’, combined with Dubai’s advantage as center of cross-border trade and finance in MENA, CCB DIFC provides comprehensive financial service to Chinese customer with “Go Abroad” strategyand extends CCB’s advantage to local high quality customers, acting as bridge connecting China, Middle East and North Africa. More

  • 150 Shares179 Views

    Compliance & Administration Assistant (Mandarin Speaker) | China Construction Bank (DIFC Branch)

    Employment: Full Time

    Compliance & Administration Assistant-Treasury Department (Mandarin Speaker)For Compliance,- Support the execution of standardized process for FI clients on boarding and due diligence.- Undertake initial client on boarding screening and ongoing monitoring to include Conflict Checks, Backgrounds of equivalent searches for including but limited to names of director of board, shareholder, as well as client’s Affiliated Entities etc.- Assist with Customer Due Diligence (CDD) and on-going KYC revetting reviews of FI clients including trigger events and Politically Exposed Persons (PEPs).- Ensure the completeness, accuracy and meeting unified standards which are in compliance with what regulations and policy required.- Act as liaison person to communicate and reconcile records with other departments such as Compliance & Risk Department, to ensure the controls are in compliance with policy and process required.- Conduct daily internet negative news search using reliable search engines such as “google, Baidu or various international news agencies to identify negative news relating to existing or prospective customers. Be the 1st LOD to review these potential matches to determine whether the person named in media stories is actually the individual they are investigating.For Administration,- Act as administrative role in department to documents archive.- Act as administrative role to develop periodical reports to management or H.O with strong PC skills including familiarity with MS Office, spreadsheets and database management.For Internal Risk Control,- Assist the dealer in conducting reviews of transactions and activities undertaken by the Bank, to ensure that they comply with CCB Group’s and CCB (DIFC Branch) internal policies and procedures, applicable laws and regulations.- Monitor the bank’s internal limits including but not limit to funding positions of all currencies, inter-bank counterparty credit line limit, interest rate risk limit, liquidity risk limits and POA limits.- Act as initial analyst role to collect and prepare market information and analysis periodically and provide to other department and management reference.To fulfill the listed project role accordingly, including but not limited to- NGS- TransWatch- Conduct business development.- Fulfill the backup role and responsibility and meet the specific requirement.

    – Bachelor degree in Business Administration or financial fields- 3+ years of experience in banking and financial industry- Good understanding of treasury products and financial market.- Excellent Command of the English language- The ability to handle pressure and meet deadlines- Mandarin speaking is required.- Familiar with the local regulatory liquidity risk, market risk policy.

    China Construction Bank (DIFC Branch) is a category 1 Authorized Firm in Dubai International Financial Centre (DIFC) and provides financial services and products to a wide range of business (except the local currency AED business and deposit from local state) for corporate and institution customers, including:Accepting Deposits, Providing Credit,Dealing in Investments as Principal, Dealing in Investments as Agent, Arranging Credit or Deals in Investments, Advising on Financial Products or Credit and Arranging Custody, etc.
    Following China national strategy of ‘One Belt, One Road’, combined with Dubai’s advantage as center of cross-border trade and finance in MENA, CCB DIFC provides comprehensive financial service to Chinese customer with “Go Abroad” strategyand extends CCB’s advantage to local high quality customers, acting as bridge connecting China, Middle East and North Africa. More

  • 138 Shares109 Views

    IFS – CPO – Internal Communications – Senior Associate | PricewaterhouseCoopers

    Employment: Full Time

    IFS – CPO – Internal Communications – Senior Associate – JordanLine of ServiceInternal Firm ServicesSpecialismIFS – Clients & MarketsManagement LevelSenior AssociateJob Description & SummaryA career in Sales and Marketing, within Internal Firm Services, will provide you with the opportunity to focus on positioning a distinctive PwC brand in the marketplace and drive long term revenue growth for the Firm. You’ll focus on designing, developing, and implementing communication programmes and media events to promote and sell the PwC’s brand and services as well as contribute to and evaluating our pricing strategies in the marketplace.Our Visual Communications team determines how to visually represent PwC’s key strategic initiatives and business goals. You’ll help the team with corporate visual brand design, creative strategy development and media design ideas.A member of the Marketing and Communications Team responsible for supporting  the Internal Communication Lead in planning, liaising with different areas of the business and  implementing communication activities for conveying the organisation’s internal messages. Support in the development of plans for internal communications, work with various business partners, draft content and drive initiative in the communications team.Financial- Adhere to the Internal Communication budget- Track spending against the budget Customer- Support in the development of internal communications plans- Lead in the execution of internal communications objectives and priorities- Liaise with business partners to ensure their priorities are being supported by internal communications channels- Support the internal communication agenda by understanding business context and editing and writing content for a variety of internal communications- Assist in preparing for large internal meetings such as the annual general partners meeting, employee town halls (annual visits to each office by leadership), etc.- Lead in driving communications within the firm on key industry and proposition priorities- Drive consistency in communication style and language across all areas of the business- Lead and abide by the PwC brand, acting as an ambassador in the region and ensure that all internal communications are aligned to overall corporate brand identity- Work effectively with other parts of the Clients & Markets functionInternal Process- Develop communication plans and key promotional messages in consultation with the Internal Communication Lead- Prepare and draft the content for a variety of internal communications- Assist to ensure compliance of activities with project communication strategy- Lead in the development of a research programme to gather insight on the perceptions and attitudes of PwC internal target audience to develop effective communication programmes- Support in the development and evolution of internal communications channels- Ensure internal communication messages are consistent with external communication messages and marketing initiatives- Respond to feedback from staff and adjust communications content accordingly- Lead development of internal communications platform and work closely with Internal Communications Lead to deliver on set targetsLearning & Growth- Act as a key resource and liaison to other functional areas of the business, building cross-functional relationships as needed

    Education- Ideally degree educatedLanguage- Fluency in spoken and written English, Arabic not requiredOverall Experience- 3+ years of experience in corporate communicationsSpecific Experience- Experience in a marketing function or communications role- Industry experience within the Middle East is preferredKnowledge and Skills- Knowledge of the Professional Services Industry, including latest market developments, best practices and trends- Ability to multitask- Ability to compile and synthesize data- Good communication (verbal and written) skills- Excellent presentation and report writing skillsTravel Requirements0%Available for Work Visa Sponsorship?YesGovernment Clearance Required?Yes

    PwC firms help organizations and individuals to create the value they’re looking for.
    We’re a network of firms in 158 countries with close to 169,000 people who are committed to delivering quality in assurance, tax and advisory services. PwC is the brand under which member firms of PricewaterhouseCoopers International Limited (PwCIL) operate and provide services. Together, these firms form the global PwC network.
    In our 3 key areas of business or Lines of Service Assurance, Tax, and Advisory we work with our clients from business start ups to the worlds leading organizations to measure, protect and enhance the things that matter most to them.
    We help our own people to learn, discover, develop and make a real difference all the way through their working lives. And we have big ambitions to grow.
    PwC Middle East Region is part of what we call the Central Cluster and includes the UK, Europe and Africa as well as the Middle East. The region consists of 12 markets – UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Jordan, Lebanon, Egypt, Libya, Iraq and Palestine.
    PwC has been established in the region for over 40 years, we already employ over 4500 people and we are on course to become the Middle East number one professional service firm. More

  • 175 Shares159 Views

    Credit Settlement Risk Analyst – CEMEA – 12 Months Contract | Manpower Middle East

    Employment: Full Time

    The CSR Contractor will be part of CEMEA Risk team managing credit & settlement risks associated with banks, non-financial organizations, credit unions, Fintech companies (including startups), microfinance institutions and various payment schemes across MENA and CEMEA. The role will involve managing credit ratings, settlement exposures, and security levels. The incumbent will work closely with internal and external stakeholders such as Country teams, Strategic Partnership, Risk managers, Licensing and Treasury. Externally the role will interface with senior managers at Company clients. This position will report directly to the Senior Director, CEMEA Head of Credit Settlement Risk. As part of an extended Global Team, the Contractor will also be involved in managing and implementation of the Global Credit Settlement Risk Policy.Responsibilities:Credit risk monitoring of existing Clients, and the credit risk analysis and recommendation of new Clients. Determining which Clients/prospective-Clients are likely to fail, and if so what steps should be taken to safeguard the Comany Corporation, and which are likely to succeed to become market leaders. This requires institutional risk research, analysis, rating and forecasting, of new and existing Clients and third party service providers, within the countries that comprise their portfolio.Client contact at a senior executive/board level, together with the General or Area Managers for the region is essential. The incumbent will conduct extensive due diligence credit meetings with senior executives to discuss, inter alia, strategy, earnings, balance sheet composition, funding, treasury activities and risk profiles.Country (sovereign) risk research, analysis, rating and forecasting, of the countries in their portfolio. This includes the development of expert knowledge of the banking systems in which their Clients operate and knowledge of the credit and systemic risks inherent in those systems.Strategic forecasting and planning, in that the holder will be required to assist in the strategic development of the countries of responsibility by identifying those banks/companies which are likely to emerge as market leaders in order that Company can target adequate resources at these institutions.Researching countries and banks/companies to assist Company in growing and developing its global market leadership.Close cooperation with other diverse areas of Company, including the Business Development, Strategic Partnership, Operations, Licensing, Legal and Risk Management departments, and also with other regions and with Global Credit Settlement Risk.Supporting the overall CEMEA Risk Management and Regional Management in achieving specified strategic and operational objectives.

    The successful candidate should be both a self-starter and a quick learner, able to work with minimal guidance and will have:- Master’s degree in business, management, finance, accounting, or related field.- At least 5 to 7 years of relevant experience in analyzing corporate counterparty credit risk and financial institutions.- Familiarity with the banking and Fintech sectors as well as the payment industry. Excellent written and oral communications skills.- Ability to work under pressure and deal with stressful situations.- Readiness to respond after-hours, weekends and holidays to major risk matters.- Excellent interpersonal and collaboration skills, team player, approachable, professionally mature relationship management skills.- Strong attention to detail with the ability to synthesize information and make clear, concise conclusions.- Heightened analytical and problem solving skills, readiness to handle multiple tasks while focusing on results.- Ability and willingness to take initiative on new projects and work well in a team environment. Advanced Microsoft Office skills.- Fluency in the Arabic language is a plus.To be successful in this role, we are looking for someone that is flexible and independent with a strong sense of initiatives and creativity, but also a good team player who is self-motivated and adept at working collaboratively with the rest of the team globally and regionally.

    We lead in the creation and delivery of innovative workforce solutions and services that enable our clients to win in the changing world of work.
    ManpowerGroup powers the success of many of the world’s most dynamic organizations. We deliver innovative workforce solutions that enhance competitiveness, increase efficiency and spur productivity. Combining global reach with local expertise – 3600 offices in over 80 countries – we know the changing world of work and bring a deep understanding of the companies we work for and the industries we service.
    ManpowerGroup entered the Middle East in December 2007 after acquiring local company Clarendon Parker, thus bringing 15 years in-depth local knowledge combined with a global footprint and industry shaping expertise and thought leadership. Manpower Middle East supports clients in the Middle East and North Africa regions. Our business is aligned to key skill specializations to ensure our clients requirements are met by expert and knowledgeable consultants that understand your industry and role requirement.
    Our consultants are experts in finding the right talent across all industries in a broad-range of occupations including:
    IT & Telecommunications
    Engineering & Construction, Oil & Gas
    Banking, Finance & Legal
    Sales & Business Development
    Marketing, Public Relations & Communications
    Human Resources & Training
    Customer & Support Services (Secretarial and Administrative)
    Operational, Supply Chain & Logistics
    Executive Recruitment
    Emiratization Solutions
    Recruitment Program Outsourcing Solutions
    Managed Service Provider Solutions
    Talent Based Outsourcing Solutions
    Outsourced Staffing Solutions More

  • 175 Shares129 Views

    Credit Control Manager – Risk Management (Mandarin Speaker) | China Construction Bank (DIFC Branch)

    Employment: Full Time

    For Credit Admin,- Make Credit Proposal opinion, review of Credit Proposals including Credit Rating, Line, related Checklists for Low Risk Credit Proposals, Second Review if required. Perform the same as back up for non- low risk proposals- Prepare Facility/Security/Legal Documentation and Obtain Signed documents; coordinate with Legal Department and Lawyers for documentation.- Performing CASC Circulation, CASC Meeting, CC Meeting Organize, assisting with Circulation of Approval Sheets, Minutes, Obtaining Signatures, assisting with Scanning, Photocopy Transfer to Vault of all Credit Documents, making Blotters for Minutes and Transactions Updating.- Maintain credit files for loans and prepare security checklists before putting the loan and related security document into the vault. Ensure scanning and or photocopying and archival of all credit documents including PLM. Ensure recording in Credit Records Register of client files taken in and out of Risk Department.- Ensure checks on Account Closing forms and existing loans refinanced on secondary basisFor Risk Monitoring and Control,- Monitor of all country, credit and counterparty risks including timely escalation of breaches including exposures and limits.- Act as Maker and Checker to monitor, manage and control the Country Risk.- Perform stress testing for credit, liquidity, market, and interest rate risks as per the frequency required in CCB (DIFC Branch) policies and review adequacy of provisioning and report the same to Management as and when required.For Reporting,- Non-credit asset classification report preparing-for RMCC- Prepare and Review adequacy of provisioning and report the same to management.- Complete Monthly, Quarterly and Special Request for management and HO reporting as per timelines and Management Approval.For policy reviewing,- Assist in reviewing and updating related Risk Management Policy and procedure for enhancement.- Make a database of HO Rules and Regulations and update the same in Risk Management/ Public Folder and relevant transaction checklistsFor Committee,- Act as the secretary for related Risk Control Committee.

    – Bachelor’s Degree and above, preferably with a concentration in Finance, Banking.- Mandarin Speaking is required.- At least 3 years of experience in risk/credit control in Banking industry.- Familiar with the local regulatory, liquidity risk, market risk and other related risk/credit policies.

    China Construction Bank (DIFC Branch) is a category 1 Authorized Firm in Dubai International Financial Centre (DIFC) and provides financial services and products to a wide range of business (except the local currency AED business and deposit from local state) for corporate and institution customers, including:Accepting Deposits, Providing Credit,Dealing in Investments as Principal, Dealing in Investments as Agent, Arranging Credit or Deals in Investments, Advising on Financial Products or Credit and Arranging Custody, etc.
    Following China national strategy of ‘One Belt, One Road’, combined with Dubai’s advantage as center of cross-border trade and finance in MENA, CCB DIFC provides comprehensive financial service to Chinese customer with “Go Abroad” strategyand extends CCB’s advantage to local high quality customers, acting as bridge connecting China, Middle East and North Africa. More

  • 113 Shares159 Views

    Developer, CRM | Commercial Bank of Dubai (CBD)

    Employment: Full Time

    Job Purpose:- Design and implement MS Dynamics CRM solutions to be fully compliant with customer business processes Integrate Dynamics CRM solution into other client’s systems like ERP, Intranet, etc.- Design, code, test program or CRM application modules that meet Architecture Blueprint specification- Participate in execution and documentation of tests ensuring that an application or architecture meets agreed Quality standards- Assist in the integration of application components- Close cooperation with client teams and follow up business requirement- Development – covering all aspects; including presales and supporting the sales team, product demonstrations, analysis, implementation and training of end users utilising primarily Dynamics 365 or earlier Dynamics versions such 2015 and 2016.Principal Accountabilities:- Collaborate with other software developers, business analysts, software architects and IT professionals to implement Microsoft Dynamics CRM solutions.- Develop and maintain a platform roadmap.- Integrate existing systems and services into the CRM architecture. Assist with deployment and provisioning activities.- Analyze business processes and design IT systems to meet the requirements of the CBD Business Functions- Develop new applications as per systems analysis and design documents and plan using the .Net development framework.- Interpret written business requirements and technical specification documents and perform coding.- Involve quality assurance function in a timely manner to review and test the new programs as well as changes to existing programs.- Write or contribute to instructions or user manuals to guide end users.- Prepare detailed workflow charts and diagrams that describe input, output, and logical operation, and convert them into a series of instructions coded in a computer language.- Compile and document program development and subsequent revisions, inserting comments in the coded instructions so others can understand the program.- Conduct trial runs/ testing of programs and software applications to be sure they will produce the desired information and that the instructions are correct.- Write, analyze, review, and rewrite programs, using approved system development life cycle standards.- Maintain libraries of software codes with appropriate version controls.- Carefully analyze possible software and application code changes to ensure congruence with the Bank’s long term planning and approved strategy.- Correct errors by making appropriate changes and then rechecking the program to ensure that the desired results are produced.- Consult with and assist computer operators or system analysts to define and resolve problems in running computer programs.- Ensure high standards of confidentiality to safeguard commercially sensitive information.- Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.- Document functional and non-functional (security, availability, performance) software specifications in alignment to the corporate guidelines and principles- Undertake software development activities and ensure timely and accurate delivery of the specifications- Undertake unit and system integration testing in order to meet software quality objectives- Undertake application support and maintenance activities- Prepare projects and applications reports adhering to the Bank’s policies, procedures, and guidelines in order to satisfy internal and external reporting requirements.- Prepare technical manuals for users and operators of the applications- Train key users to the applications functionality, including the identification, troubleshooting and reporting of issues- Prepare Application System Recovery Plans- Continuously develop own expertise, optimising on-the-job and formal training opportunities.- Post Implementation Review Results- Timely and accurate completion of program and systems specifications- Effectiveness of the programs developed- Number of weekly report/Timesheet completed- Number of successful Functional Specifications developed- Evidences of error free implementation of programs- Number of Operational Guides documented- Number of User Guides / Troubleshoot Guides documented- Number of successful Change / Release Management implemented- Number of completed Recovery Plans

    Qualifications:- University graduate in Computer Science- Professional qualifications in Software Development around Microsoft Dynamics CRM, Agile Development and Software Applications Lifecycle Management.- Microsoft Certified Technology Specialist (MCTS) for Microsoft Dynamics CRM 2015 or abovExperience:- Proficient in developing Microsoft Dynamics CRM, .NET applications and experience in web based programming- 4+ years of experience in implementing and managing Microsoft Dynamics CRM 2015 and above.Skills:- Good communication skills- Analytical skills- Report writing skills- Supervisory skills- Inter- personal relations skills

    In 1969, when we at Commercial Bank of Dubai started out little did we know that sheer grit and determination would get us where we are today. An Emiri Decree issued by His Highness the Late Sheikh Rashid Bin Saeed Al Maktoum, the founder of modern Dubai, laid the cornerstone of Commercial Bank of Dubai. We started out as a joint venture of Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait. A minority stake was held by a few UAE businessmen.
    By 1982, little more than a decade later, we evolved into a National Public Shareholding company. A feat complimented by an exponential increase in the capital base and mammoth restructuring of our operations. The feather in the cap came when the Government of Dubai became a key shareholder.
    Over the decades, we have transformed ourselves into a progressive and modern banking institution. We are supported by a sturdy financial base and reigned by a strong and stable management. The proof of which lies with our customers who have stood by us over the years. More