Hi, my name is James Allingham, and I’m currently a director at Société Générale in the client credit group in London. I’ve been with the bank for just under 3 years now, having previously worked for another bank. I currently work in the client credit group – what does that actually mean? Well, every transaction that Société Générale does with another counterpart creates a risk to Société Générale, be it from a foreign exchange transaction over one or two days, to loaning 300 million over 5 years, or a complex interest rate derivatives transaction over 30 years. As I say, each transaction has its own risks – these need to be analyzed and formalized onto paper, then we also analyze the counterpart in the transaction. Once we’ve analysed the counterpart and the transaction in question, we then either recommend that the bank continues with that transaction, approves it depending on the amount and the level, or indeed declines. I specialize within the financial institutions section of the client credit group, we deal with counterparts such as funds, pension funds, asset managers, and in particular I specialize with insurance. There are a number of reasons why I moved to Société Générale from my previous bank, in terms of diversity of product lines and diversity of geographies that we cover here from London, it’s seriously impressive. However possibly since I’ve been here, the one thing that’s impressed me most, is the sheer will and way people go about things – if there’s a transaction to be done, it will be done.