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okay hi everyone thank you zoran for passing me uh hi everyone my name is david um a little bit of background about me so im coming from a banking industry i started my career back then in 2004 and i was a part um of a team of a big german banking group in my home country armenia and the last five years i was involved in the consultancy projects in intern in with the international organizations in my home country armenia in east asia my last project was in vietnam when we were engaged with one of the big msme market players in the country and since the beginning of this year i joined oradian as a solution consultants and and my role here is supporting uh financial institutions with a digitalization process with our platform core banking system in staffing i thank you very much being with us and im looking forward for the session and work for your questions today and uh todays topic is actually in my opinion very important and comprehensive topic the issue of non-performing loans or
