This slide presents Q4 2024 adjusted costs of €5,276m, including exceptional items and FX impact totaling nearly €300m. A breakdown shows the impact of real estate measures, UK bank levy, and FX changes. Excluding these items, adjusted costs are €4,976m, down 6% YoY.

Compares the roles of hyper-specialization and hyper-personalization in brand strategy, detailing defensive and offensive approaches for customer engagement.

In 2024, EUR 257M went to the Banking segment in FinTech/InsurTech, followed by Insurance (EUR 90M) and Payment (EUR 73M). Startups like Upvest and Solaris lead the funding chart.

Aimed at strategic communication, this slide details the company's long-term business management approach, highlighting key areas like current outlook, benefits, customer relationships, diversification, operational discipline, and investment strategies. It underscores a commitment to sustainability through cycles with a forward-looking ROE guidance.

Provides insights into cross-border IPO activity in the UK for 2018, highlighting outbound and inbound IPOs, transaction sizes, and IPO sources.

This slide evaluates how aligned technology companies are with the personal values of individuals in different countries, as measured by survey responses.

This slide forecasts modest to moderate economic activity in developed markets for 2024, highlighting cost fatigue and labor market resilience.

This slide analyzes a higher-for-longer scenario where delayed easing by central banks amid sticky inflation trends could lead to recessionary conditions in key advanced economies.

Focuses on the growth trends in the luxury goods market through various sales channels, emphasizing the rise of online sales.

This slide highlights the rapid growth of cell and gene therapy markets, driven by innovation targeting incurable diseases. It explains how these therapies function and their expected impact, emphasizing market projections and therapeutic advantages such as precision medicine, long-lasting effects, and future potential.

This slide explores expectations for AI in assisting with tasks such as research, content creation, and scheduling. Workers see AI as highly beneficial, though actual usage remains significantly lower.

This slide highlights the trend of brands reducing their store footprint by consolidating their networks, with a focus on efficiency and bigger stores.

Highlights critical skills necessary for scaling digital projects within the Automotive-OES sector, emphasizing digital and technical proficiencies.

Discusses gaps in harnessing AI to optimize workforce, including leadership roles and investment in AI, contrasting organizations that are advancing in these areas with those that are not.

The slide introduces Climate FinTech, describing its role in supporting climate change mitigation and adaptation. It highlights the growth of Climate FinTech, the main groups within the sector, and the types of digital financial products available for mitigation and adaptation.

This slide shows survey results on public perception of the Consumer Packaged Goods (CPG) sector’s responsibility across 21 countries, highlighting agreement and disagreement rates.

The slide explores why consumers in the Middle East choose to shop in physical stores, highlighting preferences like checking product quality, enjoying the shopping experience, and avoiding online issues.

Discusses family law reform opportunities, rated by cost and implementation time, suggesting more efficient legal processes.

This slide outlines a dual-focus imperative: safeguarding both lives and livelihoods. It emphasizes virus suppression, testing, and treatment, alongside economic recovery actions such as supporting businesses and preparing for reopening. Illustrative curves show how interventions can affect virus spread and economic impact.

The slide provides insight into the normalization of U.S. venture investments and activities of nontraditional investors, illustrating the changing landscape of venture capital. It's used for examining investment patterns and forecasting future investment climates, particularly useful for financial analysts and investors.

Details the financial metrics and projections for the Molecular Diagnostics Business Unit, including product line distribution, geographical reach, and projected revenue from new product launches.

This slide shows how people across different countries perceive the leadership of the retail sector. India, Saudi Arabia, and China lead in agreement percentages.

This slide analyzes PE/VC investments in the infrastructure and real estate sectors, focusing on deal sizes and types, and providing a detailed breakdown of investment values and volumes.

Analyzes how economic and regulatory trends are shaping M&A, with a focus on tightening regulations.

The slide reviews FO activities in the EMEA region, presenting historical data, largest deals, and sectoral and territorial distributions. It is intended for financial analysts and investors focused on the EMEA market.