Milton Maluhy Filho: Beyond Banking is part of our strategy, actually. And we’ve got to talk to our customers to find out where there are new opportunities. And that’s what we’ve been doing. Itaú Shop is a great example. We’re very happy with the progress thus far, it’s been growing substantially. All of our iPhone forever, Samsung forever, Apples and all these products, all these partnerships have been wonderful. We’ve seen excellent results. The results have been great for the bank. And we’ve been able to offer exclusive products to our customers and solutions to our customers. And we found other profit pools. And these are not the traditional profit pools of the financial system, of the banking system. So this has actually resulted in not just cross sell, but better conversations with our customers, better audience, better interaction with our with our audience and publics.
We’ve got more interaction with our apps, with our super apps. It’s been great. So it has been developing wonderfully. We’ve seen a lot of progress. When we see cash management for wholesale, we’ve seen a lot of progress as well. This is also considered part of Beyond Banking. There are a number of initiatives. And our role is to be open to this, to be looking out to see where there are opportunities, where there are correlated opportunities, where there are ecosystems that we can tap into. With TOTVS, we saw a great €“ this is great. We’re waiting for one last authorization. We’ve been able to distribute some of our solutions in other channels. Avenue, for example, we brought this in. These are ways to reach other markets that we weren’t operating in.
Specifically for affluent customers, those who have resources and funds and international resources, our offers before were limited to personality type. So, we really need to make this access more broad. So we’ve been able to fill out these ecosystem with new offers, new products. And we’ve looked to Beyond Banking because we understand there’s great synergy for the customer. And this generates value to the customer. I don’t have to leave my app. There’s associated loans, there’s credit, there’s the payment in installments, products, there’s funding, there’s loans, and so obviously this creates loyalty not just with the bank, but with the products that are behind these offers. So, we’re really looking closely at these new business opportunities.
Renato Lulia: Okay. So, we’re just going to end our question-and-answer period here. Before we close, I’d just like to remind you that all of the material from this earnings call and the recording, the results and all of this will be available on the bank’s website. So please take a look when you get a chance. Milton, thank you so much for your work today, for presentations today. Thank you for presenting.
Milton Maluhy Filho: It’s wonderful to be here. I’m sure we’ll be able to €“ we’ll have many opportunities to see each other or meet up over the next quarter. I look forward to telling you how our first quarter is. The challenges are great, but we’re up for it. I’d like to end by saying we’re quite satisfied. As I mentioned at the beginning, we’re quite satisfied. We started 2023 much better than 2022. And certainly, better off than we ended the year last year, although it was a very long and difficult year. This month as well. We are very dedicated, very focused, we’re very excited, very willing. But we’re also conservative, we know what we need. We’re aware of the challenges that we face, we’re aware of what we need to do.
And we are working hard to deliver on what we promised to deliver and to give you sustainable performance over the years. We know the challenges are great. We talked about some of them today. And I hope to give you some updates over the course of the year, over the course of the quarter. See you soon and hope you’re all doing well. Thank you very much. Until we meet again.
