Next to the strong performance of the bank in 2023, we also made progress on operational and strategic objectives. We grew our customer base by attracting new customers who look for their bank to make positive impact and to provide the services they need. We made significant progress redesigning our operating model, a transition that will be fully implemented in 2024. And tradability in Depository Receipts (DRs) was restored through their listing on a multilateral trading facility (MTF). We recognise that tradability needs to be further enhanced as trading volumes and price formation to date do not meet the expectations of many DR Holders. Triodos Bank will continue to enhance tradability indirectly by improving our business activities to create positive impact and achieving our Return on Equity and Cost to Income targets. We committed to evaluating the MTF after six months and this work is now fully underway. I look forward to sharing the outcomes of the evaluation, our conclusions and next steps at our Annual General Meeting (AGM) on 17 May 2024. At this AGM, our Depository Receipt Holders will be able to vote for the first time, an important step forward in our process of modernising the governance of the bank.