Unipol Grupo Spa

Good afternoon, ladies and gentlemen. Okay, they told me you couldn't hear me so far. Okay, no problem. So I will be even shorter than I was before. Again, good afternoon. Now, this introduction is a very short one just to say good afternoon because, of course, as you know, we are here today to take your questions. Thank you. Question number one is from Elena Perini from Intesa, Sao Paulo. Good afternoon, everyone. Good afternoon, Mr. Chambry. My question is on your premium mix. Reading your press releases and presentation, there's been a strong contribution from Bank Assurance. Can you please, well, just give us some color on your strategy concerning, I mean, this part of the business, I mean, on the live business, but also on the non-live business, let's say for the next months or year, if at all possible. Then, also wanted to ask you, well, I know that the combined ratio is 92.8. So at the end of the lockdown, there was recovery, so an increase of claims. And I believe that we also had other effects in the last quarters. Now, What do you think can happen within the end of the year? So do you confirm your 93% target? It was written in your plan. Can you tell us something about the trends that you see in the fourth queue?

Thank you. Good afternoon to you, Elena.

And again, thank you for your questions. Okay, let me answer the questions. And then I will also let Matteo give you information. So you're right, the banking channel, if you will, during the long lockdowns has suffered the most, in my opinion, in terms of production capacity.