We have been able to achieve such results thanks to UniCredit's industrial and cultural transformation. We have moved from a disparate collection of 13 institutions, to one single Group working in harmony - with access to 15 million clients and 13 markets across Europe.
We continue to drive the next phase of the transformation, which will further enhance our capabilities and the financial results we are able to deliver. At a time of heightened uncertainty in Europe, we are not only focused on delivering strong results today, but also on protecting the future, by investing in our factories, people and technology.