We have come a long way since we started in 1998. Two decades into our leadership as a global investment group in the insurance and reinsurance field, our 550 strong team across 45 countries and three continents has far more to conquer. The year 2010 marked a turning point for our expansion, with the launch of Seib Insurance and that of the Chedid Insurance Brokers Network. In 2015, followed our entry into Africa with the acquisition of City Brokers, Mauritius and East Africa’s leading insurance broker. That same year, we celebrated our relationship with Lloyd’s, which began in 1998, with Chedid Re’s official registration as a Lloyd’s Broker and positioned among the 20 largest reinsurance brokers in the world. Through Chedid Foundation, the group is also heavily involved and invested in communal and social development, and focally in youth development and education in the insurance and reinsurance fields through the Chedid Academy. And under its partnership with higher education councils and stakeholders, the group also founded CRMI (Corporate Risk Management Institute) in 2019. As we ring in the next decade, digitization and technology on both operational and strategic fronts will be core to our transformation. In 2020, we launched E-DARAT, an HR and insurance management software. Now, we are ramping up our investments into ICT of the future, as data protection and cybersecurity have become critical for our industry’s ‘new normal’ – more so in the post COVID-19 era. Another milestone for our vision to lead insurance brokerage in the Middle East and Africa was the 80% acquisition in 2021 of Ascoma’s (Ascoma Assureurs Conseils) leading brokerage business in Africa – a network of 21 subsidiaries and 780 people across 21 countries - that positioned our Group as a leader in Africa and the Middle East.