Im adam edwards. Anna edwards. Manus lets kick it off with Credit Agricole in france. Euros, belowlion the estimate of 315 million. The focus is on the french Ranch Network and the focus on mortgages and how much theyve mortgage by french customers refinancing their mortgages. This is a bank that we focus on greekre market after the crisis. The ceo is expanding areas such as Asset Management and record low interest banks have been taking their toll. Downmonth they had a right of the french bRanch Network after a massive mortgage refinance. Consumer swapping their mortgages. The headline coming through on the fund manager majorityowned by Credit Agricole. They will reduce their state to 70 . And they have plans for Capital Increase in march or april of next year. Talk about the dutch lender 70 owned by the government. . 84 and a total dividend for the year, they are happy with that. A capital ratio of 17 at the end of december. Think back to what Deutsche Bank and Credit Suisse are tell