In this era of disruption, businesses need to respond quickly to changing market conditions, 
innovate and introduce new business models to develop such agility. Flexible, reliable and sustainable 
financing solutions are crucial. Businesses around the world are struggling in these challenging 
times, and stable businesses need to make investments that produce secure revenues and improve resilience.
 ABN Amro Lease and ABN Amro Commercial. Finance also known as ABN Amro asset based finance provides
 companies across Europe with financing solutions. Enterprise Finance wants to be the financial women 
of our clients. The assets of the clients are used as collateral and as an asset you can think of
 equipment, inventory and invoices. We are supporting clients in accelerating the sustainability 
shift. There is just one bump with their funding ABN. Monroe Asset Based Finance requires businesses
 to drive sustainable value and innovative solutions. For that, they have to be one step ahead of
 their client. Bankers by nature are risk averse and they're risk averse. Culture and organization
 that they create doesn't really nourish innovation. So we needed a partner that could help us bring 
in the knowledge and skills and the assets that would help build the foundation which innovation 
can flourish.That's why ABN Amro partnered with TCS. Our journey with ABN Amro commercial finance and leasing
 has been a two step approach. Firstly, we focused on realizing their aspirations of being a digital
 business, which is very important to free up the resources and more importantly is the foundation
 of the innovation. Secondly, we focused on inculcating the culture of being innovation as the 
primary motive of operations between ABN, Amro, ABF and TCS, we developed together with TCS a new
 factory. Platform which helped us to get more efficient, to harmonize our processes, to standardize
 our products and in the end we ready to move to the cloud. First we introduced the innovation 
architectural frameworks to embed the seed of innovation within the organization. This helped 
employees engage, harness their creative spirit and promote innovation through idea thorns,
 hackathons and meetups. So next we connected AB and release and commercial finance to TCS Co-Innovation network, which is an ecosystem of startups innovation. Perhaps an academic alliances 
who are at the top of research and innovation globally. We also connected them with Slush in Finland
 and TEDx Amsterdam. We also introduced an inspired the cross industry innovation and also helped
 in contextualizing to solve AB and Amro needs. So TCS brought us a different mindset. They brought
 us skills and knowledge. They opened a whole new world of ways of working and possibilities to us.
 And our marketing and products teams have already adopted some of those ways of working in the way
 they develop. Products and services. We have a new proposition in the market for a small, medium
 enterprises and we call that in Dutch Snowbird out and that offers small and medium enterprises 
in one minute and offer for an invoice they want to finance. And we wanted to be able to test
 changes to their product before we bring them to market. And therefore we implemented the digital
 twin technology of TCS which allows us to create a closed environment which we can adjust small 
things and then see. That will play out when we bring it live, so we are really keen to continue 
on this journey together with TCS and create more opportunities and scale up our partnership and 
leverage far more of possibilities we have, especially with the new newly fine hub pace sport here
 in Amsterdam. I have adopted many great ideas from these years over the past years and I will 
continue to do so for many years to come.