Barrese (Intesa) Condividere i bisogni dei clienti

Certainly. In Rome, in the northwest, northeast, and also in the south. I personally have worked on this new model in Milan. It's a way to show that there is an innovative, dynamic approach, but always safeguarding that marriage of relationship, presence, and closeness that aims to strengthen the only real asset: trust. As you said, with open doors, a place that is not closed off from the outside but, on the contrary, wants to welcome people, to help realize Italians' dreams. In all the new branches, it's already like this. In 50% of our branches, and soon in 100% of the Intesa Sanpaolo network, our branches have sliding doors at the front, so they are open, simple, to reinforce that message of closeness. As for making dreams come true, we try to do that with concrete actions. The theme launched in May is a way to help young and less young people: it allows a young person not to throw money away on rent, but with 50 or 100 euros during a rental period, they can own their own home. That is a concrete response to a need at a time when rates might rise in the coming years. We also did it for businesses, making available an offer of 140 million, so that an entrepreneur can finance their investment without putting in a euro of equity, going up to 500 million. Further concrete confirmations of a bank that only makes conditions favorable for clients. We have seized the favorable moment and put it at clients' disposal with the right conditions. This is a new step: institutional sharing is a key element. We want to share with clients the opportunities that arise within the country. If the new interest rate scenario is an opportunity, we have made sure, with those characteristics, to put it at clients' disposal. In this case, for young people under 30, there was no reason to let a young person who earns a thousand euros a month postpone the dream of owning a home. We give a suggestion: you can believe in it at least until the end of the year, and also next year. The only thing that could be a brake is a rise in rates, which no one expects at the moment.

No, I don't think so. As far as clients are concerned, we reassure them: for legal clients, nothing changes. It has brought some volatility for clients with savings, but clients can be calm and entrust their savings to the bank in the form of managed savings. I can confirm that, because I see that losses have been minimal, while volatility has been extremely significant. That's one more reason to turn to the bank. The same day of the Brexit vote, more than one and a half million clients signed up for managed savings. I believe this will not generate significant marginal effects on the national territory. On the contrary, to the extent that politics actually manages to seize the opportunity of Brexit to bring activities that are currently done in the UK into the country, this can only be a great opportunity. But for this, as our minister said, we can absolutely protect ourselves. Thank you.