The launch will be on August 8th. And during that event, more details will be disclosed. I shouldn’t be talking more about that. On the 8th, we’ll be able to speak more about this. They will present all the economics. And if you want a meeting, [Rocha], the VP of cards, can meet with you, can give you all of the information as long or as soon as we have disclosed the business with Amazon, which is our partner in this business. They are wonderful partner. This is a wonderful partnership. We’re very happy to have them as partners in Brazil for the issuance of cards. And other than that, I cannot disclose any more. Thank you very much.
Operator: Thank you, Mario, for your questions. Next from Juan Recalde from Scotiabank. Okay. So we’ll go to the next question. And then, if Juan reconnects, we’ll go back to him. Next question, Thiago Batista, UBS. Thiago, please go ahead.
Thiago Batista: Hello, guys. I have two questions. The first about [Dizingrola]. There’s been one month of the program. I’d like to understand a little bit of the impact of this second phase of Dizingrola will have on Bradesco, if it’s going to lead to a drop of NBL, or if you can give us a view of the impact you expect to see both in the bank and overall? And my second question, also in terms of regulation, in July we had that change. And the risk factor, the bank has already improved since the fourth quarter of last year. But how do you see the impact of this capital regulation change? How much can it add, 50 BPFs, 100? What is the magnitude, if you can give us, after this new regulation?
Octavio de Lazari: Thiago, hello. It’s a pleasure to have you here. About Dizingrola, the operations are of low amount. We’re talking about the second phase, Thiago, where the person still has to negotiate directly with their creditor, either the bank or the store, whatever it is. So what we’ve seen is that there has been an increase in renegotiation operations of that, which we already had, around 8% to 9%, the daily volume of renegotiation. That’s the first 12, 13 days since it started. In this first phase, there was an exclusion of 620,000 default accounts of up to BRL100, now for the client to normally pay for their operations so that they don’t go back into the status. But the amounts are low, so it’s not going to really affect NPL that much, because these are operations that have already been written off.
It doesn’t really change anything so much at this first moment and in this scenario. But what we can see, Thiago, the people that we were trying to reach in order to collect, it was impossible and we couldn’t. With Dizingrola, at least they went there and clicked on the website. They showed up to try to see the conditions they have, and then we were able to renegotiate or get something back. But it’s small, it doesn’t really change NPL that much. As for Capital Basel, as I said, we have been improving, this quarter is a little bit better, and now we have this new legislation that started in July from the central bank, and the impact will be from 0.20 to 0.30, so 0.20 to 0.30 BPS, and it was implemented on July 1st. So the initial impact is that it will be from 0.20 to 0.30 BPS.
Operator: Thank you, Tiago. Let’s go back then to Juan Recalde from Scotiabank.
Juan Recalde: Hi, can you hear me now?
Octavio de Lazari: Yes.
Juan Recalde: Perfect. Okay, apologies for that. And thank you for the opportunity to ask questions. My question is related to the fees and commissions. I see you reiterated the guidance of a growth of 2% to 6%, but in the first half the change was, year-on-year, the change was negative 0.5%. So I was wondering if you can talk about what will drive the stronger fee income in the second half, whether it’s going to be card income, asset management, checking accounts, or any comment on that would be helpful?
