BALFIN Group maintained a steady growth throughout 2022, with our banking, real estate and retail industries leading the way, despite the fluctuations on the international markets. Our economic activity increased by 11% as compared to the previous year. We served over 80,000 clients every day, in more than 230 points of sale or offices in all countries where we operate. The main reason for this positive performance is a series of investments made as part of a long-term strategy. We invested about 85 million euro in 2022, mostly in Austria, Switzerland, Albania, Bosnia and Herzegovina, Kosovo, and North Macedonia. Another essential factor for our continued success is our dedicated workforce of over 5,000 professionals spread across ten countries. They play a pivotal role in overcoming challenges and proactively pursuing new opportunities.