Regarding the regulatory impacts, I did guide you on the regulatory impacts for 2022 to be less than 35%. I’m not sure — I’m not sure whether it was very clear in the speech around the presentation. This year, we have done 30 basis points. In the capital figures that you see, we have a 30 basis points impact from regulation, model updates and everything else. So we delivered or we — the thing that we were telling you that we would do by the end of the year, we have done that. And that’s 30 basis points already in the numbers. Now regarding 2023, the model updates and so on, it’s done, but there are other things, as always. Our expectation is that you see in the presentation that we have a pro forma 19 basis points positive impact due to MPL backstop.
That 19 basis points positive impact from MPL backstop will be consumed by other impacts coming from further regulatory topics in 2023. Again, in simple terms, and in short, the expectation is that the 19 bps of positivity coming from MPL backstop will be consumed by some other topics in 2023, but we don’t expect anything more than that because we have already done all the model update related impact in our figures.
Patricia Bueno: Thank you, Francisca. Next question please.
Operator: Thank you. Our next question is from Benjie Creelan-Sandford from Jefferies. Benji, please go ahead. Your line is open,
Benjie Creelan-Sandford: I’m back on Mexico and perhaps a little bit more around the fee momentum which is still very strong this quarter. If you could just maybe talk a little bit more detail about the dynamics there on the card side and your expectations in the 2023, should we expect that to remain as strong as it has been in recent quarters? Equally on net interest income, obviously the guidance is to grow NII above loan growth. I know you’ve already touched on the beta, but I guess in terms of the — on the margin side, is that being driven by a change in mix on the loan book side towards higher margin products? And equally, what are your rate expectations for Mexico going forward, embedded in that guidance? Thank you.
Onur Genc: The first question was on the fees. There’s a problem with the line today. So on the NII, let me start with the NII, which I think is the second one. If the first question was on the fees, let’s talk about that as well, and maybe Rafa, you can talk about it. If it’s something else, please let us know. Benji, there’s a problem with the line today. On the NII, as we said, it’s coming from two things. When you look into the Mexican loan evolution in the year, you see a higher growth in areas of better margins. So consumer has increased by 16% year-over-year. Stock, credit cards has increased by 20.7%, 21% SMEs has increased by 20% and so on. So the mix to higher spread products is helping obviously number one. And number two, 40%, 40% zero, around 40%, let’s say that way around 40% of our loans, especially on the corporate commercial side is linked to interest rates and interest rates going up.
