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hello I'm Andre shuo the Chief Executive Officer of intrum Welcome to a video explanation of our new and revised financial performance disclosure what you'll hear from Michael our CFO and from Holly our Global head of accounting and Reporting later on is a result of an effort to be transparent and clear in the communication of our performance in line with our recent reorganization into two businesses servicing and investing and four regions northern Europe middle Europe southern Europe plus tactical markets I believe this will allow you to better understand the key performance metrics and the drivers and contributors to our overall financial performance in any given period and over several periods in addition I hope this helps you measure our performance as a company and a management team against the ambitious targets we published recently in our Capital markets day as always please feel free to reach out and we are happy to speak with any of our stakeholders regarding

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