to grow market share and margins, which in turn would threaten capital requirements. Analyst Certification We, Abdelrali El Jattari, Ali Dhaloomal, Anton Fedotov, Benjamin Heelan, Celine Fornaro, Faisal AlAzmeh, CFA, Francisco Blanch, Hootan Yazhari, CFA, Jamie Clark, CFA and Jean- Michel Saliba, hereby certif