It allows us to: understand stakeholder concerns prepare for potential future impacts on our business model caused by global trends or regulations minimize risks and detect business opportunities early on make informed decisions, for the bank and when dealing with our clients define or improve standards and voluntary commitments across our sector explain the functionalities and limitations of financial products and services explain our position on sensitive topics promote mutual learning by recognizing the complexity of global issues The results of our dialogue feed into our materiality analysis, sustainability management, ES risk management, and annual reporting.