As of 2022, we are implementing the Group’s Sustainable Finance Classification System (SFCS), which, based on the Taxonomy, defines the technical criteria that green project financing, both general -purpose and specific – must meet. In 2021, we also reported compliance with the European Taxonomy and assessed how much of our portfolio qualifies as contributing to climate change mitigation and adaptation. As a milestone, we announced our Net Zero strategy, which aims to achieve climate neutrality by 2050. In order to implement it, Santander Bank Polska will, from 2030, stop financing energy companies that generate more than 10% of their revenue from thermal coal production. By then, we will also completely reduce our historical exposure to thermal coal producers. In the following years, further decarbonisation targets will be set for the other sectors – oil and gas, transport and metals. Over the next five years, Santander Bank Polska also intends to revise its product strategy so that it can offer products that reduce or eliminate carbon emissions to customers in each business area. For the next few years, the Santander Group has set itself climate targets in which Group companies from all countries of the world are involved. Among these, there is a goal to raise and make available EUR 120 billion of green financing by 2025, by which time 100% of the energy used by us will come from renewable sources. The longer-term goal is the aforementioned carbon neutrality, and the active support of customers – not only with financing, but also with advice and expertise. Of all the challenges that lie ahead, those related to climate change will most strongly determine the success of future business projects, as well as the well-being of all of us.