Thank you, Mr. Chair.
My thanks to the witnesses for joining us. It is a great pleasure to come back to the Quebec City region, to Lévis in particular.
My first question will be for the representatives of the Mouvement Desjardins. I am very pleased to see you and to be able to ask you some questions.
In your presentation, you said that you foresee a decline in your mailings. Thank you for telling us about that. I imagine that the decline is due to a combination of two factors, your clients’ changing habits and a major increase in technology.
How do you see the arrival of a potential competitor?
Actually, it might be more of a partner than a competitor. I am sure that you have heard of postal banks, which is a solution some suggest for the future of Canada Post.
How do you see the arrival of services like that in the regions?
There is a lot of discussion about remote regions. In some of those regions, you no longer have a presence, or your presence is smaller, for various reasons. You are the first bankers to come to talk to us. In your case, we are not talking about banks, but rather about credit unions. Whatever the case, you work in the banking industry or not very far from it.