FCIBL is in process reorganize its operational structure to generate more quality revenues from sources both of conventional and unconventional to its past experience. FCIBL is expanding its Money Market & Forex Brokerage business by hiring new talent from the market which would contribute more to the profitability in years to come. Similarly, expansion in treasury and money market operations has also witnessed growth during the period under review. These development in business are achieved in-spite of cut-throat competition from commercial banks and human resource challenges being faced by the entire Investment Banking sector. Upgradation in the Credit Rating of FCIBL from ‘A-‘(Single A Minus to “A’ (Single A) is also a positive indication towards the growth and success of FCIBL. The Board is focusing more on expansion of our existing core business as well as diversification into new businesses as permitted under the NBF regulatory framework. Our vertical as well horizontal expansion strategy will increase revenue streams, which hopefully will be forthcoming with improvement in economic and business conditions of the country. Your Company will continue to improve its assets quality, infrastructure, build capacity through training of existing personnel and engaging professionals to diversify products and services, updating policies and procedures to meet the requirements of the new challenges and opportunities.