landfills to 90%, and citizens immediately feel this effect, or the world's largest oil pipeline company transneft artificial intelligence to predict the presence of oil in reservoirs and the results already influence the specific efficiency of the business, and many other examples, but i will separately note, of course, vtb’s significant achievements in the field technological development, the bank has made great progress in integrating digital services and solutions in the field of artificial intelligence, and maybe someone doesn’t know, but vtb was at the forefront of creating a unified state digital platform for creating and issuing an electronic signature, which formed the basis. .. tens of millions of documents have been signed, tens of millions of certificates have been issued, and today about 800 advanced analytics models are used in the business processes of the bank, which created and scaled throughout russia, for example, the service analytics for assessing new buildings, this is a very serious model, more than a thousand layers of data. analyzed allows the consumer to assess the cost o