...Well, good morning, everyone. My name is Peter Hodgson and on behalf of the board, I'd like to welcome you to the 2024 Judo AGM. I'd like to begin by acknowledging the traditional owners of the land on which we are meeting today and pay my respects to elders past and present. I want to acknowledge our directors and they are John Fraser, Manda Trautwein, Jennifer Douglas, Malcolm McHutchison, David Hornery, Mette Schepers, and Chris Bayliss, our CEO and managing director. We're also joined by Yien Hong, our company secretary and our auditor PricewaterhouseCoopers represented by Sam Garland. I would also like to acknowledge the rest of our executive management team. Our CFO Andrew Leslie, our Chief Risk Officer Renee Roberts, our Chief Operating Officer Rosanna Fornarino, our Chief Strategy and Growth Officer Frank Versace, our Chief People and Culture Officer Jessica Lantieri and welcome our Judo Bank employees who are present in this room and virtually. As I reflect on the 12 months since...
