universities in seven provinces and the City of Buenos Aires. 95% of transactions are conducted through our digital and automated channels. Diversity is also a key aspect of our social responsibility. In 2021, we launched a comprehensive program to promote a diverse and inclusive work culture. We also work on more than 26 corporate financial programs, with focus on education, childhood, senior people and civic strengthening initiatives. With respect to our responsibility with good governance, we believe a robust corporate finance, uh, is, uh, is key for guaranteeing a sustainable business model over the long term. Ernst & Young recently conducted a risk regulatory assessment and verified 97% compliance with the inventory of obligations applicable to Grupo Supervielle. The area of compliance monitors the correction, prevention program and our whistleblower hotline allows employees, suppliers and clients to report any malpractice, unlawful or unethical behavior. We have defined quantifiable metrics for our sustainability initiatives. On slide 17, you will see the key and most prevalent ESG goals for 2024. In relation to our environmental responsibility, we have set the following goals. We will continue to measure our carbon footprint, setting a goal of 6% reduction and 50% carbon compensation to protect millenary forests. And on the other hand, a target of 45% of our total portfolio screened and analyzed through our environmental and social risk policy. With respect to our social responsibility, we have set the following goals. 33% of women in senior executive positions by 2024 and 120, 000 people attending our financial dedication programs. Finally, our responsibility with good governance goals include publishing fully integrated sustainability report by 2023, prepared according with the Global Reporting Initiative. And in addition, we aim to have 100% of our strategic suppliers submitting a self-evaluation form, assessing compliance with our policies related to human rights, diversity and governance practice. Thank you, Atilio. At this time, we will be conducting the question-and-answer session. As a reminder, to ask a question, you need to be connected to the Zoom platform. We will not be able to take your questions if you are connected from a home line. To ask a question by host, please press the Raise Your Hand button, and press it again to withdraw your questions. You cannot just send your questions in written form via the Q& A box. We would like you to limit your talk to one question and then followup after, uh, afterwards. One moment while we poll for questions. The first question, uh, comes from Ernesto, uh, Gabi- uh, Gabilondo at Bank of America. Please go ahead, Ernesto. Well, thank you, Ana. Uh, good morning, uh, Patricio, Mariano, Atilio. Uh, good morning, everyone. Uh, thank you for your presentation, uh, and for the opportunity. Uh, my, my first question is on, uh, the political outlook in Argentina. Um, after the midterm elections, uh, I would like to know, uh, which do you think are the key challenges ahead? Uh, and if you think there are, like, potential key dates, uh, that the, we should be following? So, that, that's my first question. Um, well, fi- first of all, um, there was a clear, uh, there was a, a clear win of, uh, of, uh, the opposition. And, um, what, uh, I believe that, uh, uh, I mean, the president has announced, uh, that in, in December, uh, this December, they will present a multiyear, uh, economic program, um, in order to, um, to have the, the approval of Congress. And, uh, what, uh, we, uh, expect, um, I mean we, we, we, we know that, uh, there is, uh, a deadline with the IMF. So, there is, there is a short timeframe, uh, for the government to negotiate this multiyear plan in order to, to, to make it, uh, to have more sustainable fiscal policies, FX, more, more realistic, uh, also FX, um, um, levels in order to, uh, enhance, uh, export-oriented industries and to strengthen the, the, the, the, the reserves of the Central Bank. Um, uh, I, uh, what is, uh, not yet, yet really clear is, uh, whether, um, um, there is a, a clear line, uh, in, in the government in order to, to, to, to make, uh, this, uh, let's say, a commitment for this, uh, uh, economic plan. We will see. This is a very, it, it's going to be an in, in, in, interesting period. Uh, but, uh, um, I think also the attitude, what is important is the attitude, yeah, of the IMF, whether they, they will, uh, let's say, uh, allow for, um, uh, sort of a, a mo- a model through, um, uh, economic policy until 2023 or they will be strict in the sense that they want to have, um, a lessening of, of expenditures, public expenditures and, and reduction of subsidies, and so on. So, so, this is, I think, the, the, what we are looking for. I don't know if, uh, you want to add something, Alejandro, on that? I think you, you've hit on most of the points, uh, Patricio. As you said, it's key to understand what the scope and the depth of the agreement with the IMF will be. And, uh, going back to Ernesto's question, as to date, I think that you should follow carefully these talks to be able to establish when an agreement is reached. Perfect. Thank you so much. Then, uh, just a second question on the FinTech, uh, competitive landscape. Uh, I will appreciate if you can share with us, uh, who you see as the main players. Uh, the one I have on top of my mind is Uala. Uh, and how do you think IUDU and your new digital initiatives are against the other FinTechs? Uh, okay. Um, uh, I, I think that, um, uh, the, I mean, Uala basically is, is focusing on, on, on, on providing solutions for people who don't have, uh, bank accounts and, uh, and, uh, they, they are giving, uh, a value proposition on that. Uh, and, um, but, uh, the, I mean, the main, the main problem is that, uh, they don't have deposits. Uh, now, this is the reason why now they, they are applying for, uh, a banking license. Uh, in order to, to, to reach scale in Argentina, uh, you need to have, uh, uh, a license to, to get deposits. And, uh, uh, you can see this, for instance, uh, if you look at the, the size of, uh, uh, the funds that were collected by the, the, the, by, by Mercado Pago in, uh, the, uh, relation to the, the, the fund industry is, is, um, is nearly irrelevant, and they've been working on, on this. Uh, so, this is an en- this is an extreme example that, uh, um, the tran- um, let's say, only, uh, working, uh, with a transactionality, um, as a FinTech player in Argentina is not, is, is, is not, um, uh, they don't, they are not able to, to, to reach, um, um, uh, they need to, to have, let's say, that is a bank, a bank license in order to, to become a player in Argentina