Thank you, Mr. Chair.
My first questions are for you, Mr. Hannah.
Unfortunately, you seem to have completely left out the fact that there is a problem, despite the many people who have attested to it. We see this not only in media reports, but also in the testimony we hear. My colleagues around the table certainly share this opinion. There is most definitely a problem in the opinion of former employees and clients. So I am a bit surprised that you left that out of your introductory remarks.
I would like to focus in particular on your expertise regarding the sales targets that banks set and impose on employees. Is that indeed the practice? To what extent are employees held to those objectives set by the employer, that is, by the banks?