[Company Representative] (Gulf Bank): Thanks, David. We have a question on fee income was weak versus the previous quarter. Why was that, David?
David Challinor: Yeah, I mean, non-interest income, I mean, we are at KWD 30.8 million for the first nine months, so that was a slight decline of 1% compared with the same period last year. At the H1, we were up 10%, but with the change in Q3, mainly reflecting lower loan arrangement fees due to the flat corporate loan book, there was also softer card-related income too.
[Company Representative] (Gulf Bank): Thank you, David. I think Sami would like to say a few words.
Sami Mahfouz: Yeah.
[Company Representative] (Gulf Bank): Sami?
Sami Mahfouz: Sure. The words are about David. I would like to say a few words before concluding our call today. Since this is David's last earnings call at Gulf Bank, as Gulf Bank's chief financial officer before the conclusion of the executive phase of his career, I would like to take a moment to thank David personally for his friendship as well as leadership, commitment, and valuable contribution to the bank over the past five years. David, it has been a pleasure working with you, and on behalf of everyone at Gulf Bank, I wish you all the very best for the next chapter of your life and career, probably. Looking forward, I am pleased to welcome Lity Mathews as our new acting chief financial officer.
Sami Mahfouz: Lity has been with Gulf Bank for 10 years, serving as Deputy Chief Financial Officer, and brings extensive banking and finance experience, as well as a deep knowledge of the bank. We are confident that Lity will provide strong leadership and continuity as she takes over her new role. I would also like to announce to everyone that Dalal will be expanding her role to take on the role of the Deputy Chief Financial Officer and support Lity and the bank in its next phase of its journey. All the best, David, and congratulations to Lity and to Dalal on their new roles. Thanks, everyone.
[Company Representative] (Gulf Bank): Thank you, Sami.
David Challinor: Thank you, Sami.
[Company Representative] (Gulf Bank): I believe we have covered the majority of the topics and questions raised today during the call, and with that, we would like to conclude our call for today. If you have any further questions, please visit our investor relations page at our website and/or reach our investor relations team. Thank you all very much for your participation today.
Sami Mahfouz: Thank you.
