...Good morning, and good afternoon, everyone. I'm Judy Hsu, CEO of Consumer, Private & Business Banking. It gives me great pleasure to welcome you to today's session, where we will deep dive into our Affluent Client business. I'm joined by Ray, Marc, Bongiwe and Samir from my management team. And in the next 30 minutes, we will take you through the key pillars of the business, followed by Q&A. Now let me kick start with an overview of CPBB. To the group, CPBB represents 36% of total income and 28% of total operating profit. Year-to-date, our return on tangible equity is 15.7%. Earlier this year, I had outlined our strategy to transform CPBB's profitability, including setting a target of around 60% cost-to-income ratio by 2024. Today, we have delivered 85% of this year's cost savings target, which is helping to drive down our cost-to-income ratio to 69%, well on our way to our 2024 target. CPBB serves 3 client segments: Affluent, Mass Retail and Business Banking and together, we bank more...
