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Structure & Future Plans

The expected continued economic growth of about 6% means that the banking industry will continue to benefit.  However, there will be increased competition as new entrants enter the market with the possibility of market consolidation and a declining interest rate environment.

Being the dominant bank in the industry, we are likely to be targeted by other banks seeking to grow market share. With the strategies initiated in past years, coupled with our enhanced product and service offering, upgraded electronic banking systems, a knowledgeable and dedicated staff, we remain confident that the bank shall continue maximizing shareholders value in the year ahead.