In 2019, RN Bank developed specific retail finance and insurance products for Lada customers: the key pillar of this cooperation is balloon product and it became a strength. And the results are already here. Balloon share inside RN Bank retail production was already 35% at-end 2019. Balloon became our key differentiation from other banks in a program. RN Bank has extended its coverage up to 32% of the Lada network in 2019 and will continue to do so in 2020.
 A variation on a regular loan with a final installment and with or without a trade-in commitment