The ICR support was very timely as the DBS was seeking partners for technical assistance. The connection to the ICR Facility came through Samoa’s Ambassador in Brussels. This is the first time that we have engaged with the EU and partners in Europe. This was not a oneoff support but was longerterm, and we are very appreciative of this opportunity to work with ICR to address capacity priorities of the DBS.” “The support received from ICR has assisted in the development of the CRM template that aligns with our CRM policy. Our Board has approved the template which has been used since the 1st July 2022. We now expect a timely turnaround to appraise loans as we prepare the automation of our CRM processes. This has been a great support and encouragement to our lending team and we look forward to seeing positive impact to our lending operation and recovery of nonperforming loans (NPLs).