i think i've never
0:42:07.440,0:42:15.440
heard such an optimistic outlook into the next
year so this is a very very confirming actually
excess capital question is
0:44:55.360,0:45:04.320
something which i want to go into in more detail
when we have presentation of q4 results
PBB hat >500M zuviel Cash da will man wohl 2022 wieder mehr machen
citi Made
1:01:07.840,1:01:11.600
moving on to nicolas thurman
from sydney next please go ahead
Arndt zeigt dem Analyst den Mittelfinger
1:02:53.920,1:03:01.280
uh just to your last question i'm not quite
sure what i understood you're asking
Die Buchprüfer machen Druck die Rückstellungen aufzulösen
1:05:00.000,1:05:03.920
now on on provisions how long
to keep that's a good question
1:05:07.120,1:05:12.560
we have uh internal discussions around that
uh we have discussions with our auditors
PBB wie immer extrem konservativ
1:14:45.760,1:14:52.800
i still don't understand uh why it what what
must happen that you only earn a pre-tax profit
1:14:52.800,1:15:00.880
of 34 million euros for q4 so why are you not
saying you expect to surpass your your guidance
packen was in q4 für die Digitale Platform
1:17:44.480,1:17:47.440
we contemplate some restructuring expenses
1:17:48.160,1:17:55.200
for efficiency measures in the context
of digitalization measures in 22 and 23
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