Is the Diital Transformation Leader a Turneroud?

Wen: ideally you can measure it, you know, ideally the diital footprint tells you a very clear story. So in retail banking, it it's quite easy. But on the other side, of course we look all the fundamental numbers too. Wen: Typically banks should actually profit now from the current environment and they do - but some accounting standards are probably misleading currently.

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