With an extensive 20-year career in the banking sector, specializing in both retail and corporate banking, I have found the past decade to be truly engaging. It has been a period of exceptional transformation as rapid digitalization trends have reshaped the landscape of retail banking. Additionally, sustainability has emerged as a prominent focus, fueling my dedication to contributing to environmentally conscious initiatives. As we stand on the threshold of a transformative era driven by the emergence of AI, a force with the potential to revolutionize not only the banking industry but also other industries and society as a whole, I am sincerely inspired by the countless opportunities it presents for banks, customers, and employees alike.