resilience
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CONCLUSION
Implementation of businessplan in line with targets (keyactionsoncapitalincrease,HRcostreduction and merger of IT factory effective as of 1December22)
▪SolidbalancesheetwithstrongcapitalratiosfollowingEUR2.5bncapitalincrease
▪Furtherupsidederivingfromnetinterestincomefollowingrateincrease
▪AdditionalHRcostreductiondrivenbyearlyretirementshigherthanplanned
▪Confirmationofpositiveevolutiononlegalrisks
Implementation of businessplan in line with targets (keyactionsoncapitalincrease,HRcostreduction and merger of IT factory effective as of 1December22)
▪SolidbalancesheetwithstrongcapitalratiosfollowingEUR2.5bncapitalincrease
▪Furtherupsidederivingfromnetinterestincomefollowingrateincrease
▪AdditionalHRcostreductiondrivenbyearlyretirementshigherthanplanned
▪Confirmationofpositiveevolutiononlegalrisks