[music] [Dimitar Dilov - Chief Risk Officer, Member of the Managing Board] Raiffeisen Bank International is among the largest financial institutions in Central and Eastern Europe servicing more than 17 million customers. [music] In the past it was very difficult to handle data and to communicate this data to different stakeholders. Azure Analytical Services and Power BI combination gives us from one hand side data modeling and the computational capacity. Efficiency of taking decision is much better in terms of time to decision. And also about the accuracy of decision, we can drill through this data, and go to a very low level of the data composition, so we see what drives the change. [music] Before using Power Platform, we spend a lot of time handling our data. It required also to engage not only colleagues from risk management but also sometimes IT. And now with the Power Platform, we can rely on our own. Our analysts can focus on their core responsibility. [music] By using Ppower Platforms our results are better, because we are having nearly the same manpower, but at the same time we are processing much more data, we are handling much bigger portfolio. [music] [Filip Koprivica, Business Development Manager. Comtrade.] We, Comtrade, helped Raiffeisen Bank build a local application based on the Power Platform to streamline loan application approval, and declining process that enabled everyone to have real-time overview on all the relevant information, analysis etc. And we also coached them and enable them to build solutions on their own in the future. [Dimitar Dilov - Chief Risk Officer, Member of the Managing Board] We know where the application is, who approves it, if there are any conditions and so on. Then, of course, the process is secure, and also it saves a lot of time. [music] The other solution that Comtrade has built was the Integrated Stress Testing model. It is also an application that is built on the Power Platform, and it was designed to support the market risk prediction process. [music] Power Platform can enable forward looking risk management by digitalizing the entire place. We definitely can do more with less by utilizing this powerful infrastructure and solutions. [music]