The recent turbulence on the global finance market show us that we remain on the right track with our risk-conservative strategy. We will increasingly diversify our business model in the coming years, strengthening the foundation for future capital-efficient earnings growth and higher profitability. By the end of 2026, we aim to achieve a pre-tax return on equity of more than 10 %. The consistent further development of our strategy, already presented in March 2022, primarily consists of organic growth in our core business, a significant expansion of the capital-efficient commission business, and further diversification of the refinancing base. The topics of green finance and digitalization remain a core element of the strategic thrust across all growth areas. At the same time, we want to maintain our risk profile and adhere to our traditionally high cost discipline. After a year of investment, our medium-term goal is to keep the cost-income ratio below 45 %. In addition, we continue to aim for a high payout ratio and an attractive dividend yield.