haven't seen yet something concrete. There are some comments, some inaudible, a- around, eh, some, some issues. But as I mentioned, still early to, to see what are the concrete proposals and what everything's going to be, the platform in, uh, that key or any other country, uh, are, are going to use for fuel, inaudible, eh, heats, inaudible to the voters. So I would say, Ernesto, that I inaudible to, to wait and see. Uh, as you know, we have a, a two rounds in Colombia, so there is going to be a, a the first one in each state is going to be probably some candidates inaudible I don't know the number but it will be a very high number. And then, we will pass the final grades, uh, inaudible between two inaudible weeks, uh. We will see. I think we will need to wait until next year to see, uh, a clear, uh, a clear, uh, a view of, of the proposals that are going to present. Regarding next year, we, we are, uh, as I mentioned inaudible platform, that is now growing at a very good pace. Uh, we have, uh, close to nine million users with a very, uh, with an effective, uh, uh, or, or client that used platform. So what we are doing, we are considering, eh, when it's the right time to start, uh, seeing the, uh, inaudible issue that all, uh, uh, the regulatory issues are covered inaudible what type of license are we going to do, uh, apply for. Uh, so there are many issues. We, we are still in, in an early stages, uh, to analyze if there is a good move for us or not. Uh, if there are question I, I will pass it to Jose inaudible. Jose? Thank you, Juan. Ernesto, as you mentioned this is a one-off. Uh, this is because of your recalculation of the, the, deferred, uh, taxes. And we are expecting at the end of this year the, the taxation for Bank of Colombia for the entire group will be 32% at the end of this year. We are expecting next year, because of the tax reform, we are going to get the level of 34%, 35%. And the 32% of this year, at the end of December, it is explained mainly because the main source of net income comes from the Bank Colombia, in which we have the higher statutory tax. Our next question is from Tito Labarta with Goldman Sachs. Please go ahead. Hi, good morning everyone. Uh, thanks for, uh, taking my question. Just two quick, uh, follow-ups actually. First, follow-up on the expenses. In terms of the efficiency ratio, um, yeah, given the growth of expenses, right, it picked up. How, how do you think about that, that efficiency, you know, going forward and given the investments you're doing? Um, could it be some cost savings with the digital initiatives sum, or is that, the expense is going to, um, sort of higher initially? It's tough to think about the evolution of that efficiency ratio. And then, to follow up quickly on the, the tax rate, should the, the tax rate just go up, you know, roughly 5% for the next year given the new tax rate, so it should be, like, around 35% or so, um, I guess in Colombia, offset by the lower tax rates in the other countries? Just to confirm for next year how that's actually inaudible. Thank you. Thank you, Tito. Uh, expenses and, and efficiency ratio. Efficiency ratio this year is, it is going to be a little bit above 50%, which is inaudible with our target. So we expect with the efficiency ratio to go below 50, uh, next year. And, and you mentioned our digital strategy and digital investments that, uh, should add efficiency to our operations. So, uh, as I mentioned in, in earlier, this is not the, the a good year to, to analyze expenses, since we have, uh, some extraordinary issues around, around, uh, the, the expenses. Uh, so we expect next year to be more of normal. And we will, uh, return to our, uh, uh, path of, uh, having a, efficiency ratios below inaudible 50 and looking more to mid- 40s in the midterm, which is our, our goal. Uh, uh, regarding, uh, tax rates, uh, the effective of the tax rates for 2021, uh, for the inaudible should be around 31%, uh, 32%, that's what inaudible as inaudible mentioned. And it's, uh, inaudible sort of inaudible by Colombia, uh, in which essentially inaudible you had a tax reform. Uh, so we need to recalculate the inaudible taxes from this year, and, and we inaudible on specialty tax and, du- uh, on 2021. After inaudible 31 we will have inaudible of the tax reform, uh, the Colombian tax reform. But we will increase our tax, effective tax rate, uh, to, or, or close to 34%, uh, mainly through then inaudible by, by Colombian. I don't know if inaudible Umberto would like to add something to this, inaudible No, Juan, that is very clear. Next year 30% to 38% including the special tax that you mentioned. That is clear. Okay, so just to clarify, so for next year, around 34% in Colombia? And then, I guess you have lower tax rates in the other- No. countries, right? So the consolidated tax rate would be- No. more or less around… Or- In Colombia, next year will be 35% plus the 3% inaudible then will always be maintained until 2025. In Guatemala crosstalk Okay, so 38- inaudible will be 25%. So, Tito, to clarify it will be inaudible effective tax rate for the inaudible crosstalk that is for 2022 should be around 34%. Okay, understood. Thank you very much. Our next question is from Olavo Artuso with UBS. Please go ahead. Uh, thank you, Jose. Thank you, Carlos and good morning, everybody. inaudible my question. I just wanted to understand, uh, more about, uh, this digital initiative, it's, uh, of the inaudible. So a few words, I would want to know what is the profile of these clients? Uh, I mean, how much of them are lower or high income? I know the, the focus of inaudible is inaudible. But how many have already inaudible accounts at Bank Colombia? What are the main products or services these clients usually demand? Uh, so basically it's thank you. Thank you, Olavo. I have some, some digital inaudible here that I'm trying, trying to answer your, your questions. Uh, regarding profile of inaudible and Bank Colombia, let me, let me inaudible. Uh, inaudible our, uh, inaudible are many, uh, inaudible adults between 18 and 35, which are, uh, usually not clients of banks. So they are having their first banking relation with us. Uh, and, uh, they are, they are using inaudible of savings account and also at, uh, platform to do some payments, some tranfers, uh, and now we are introducing loans on the inaudible, uh, platforms, uh, platform. So it's… And, and let me say that we have, in the case of inaudible 40% inaudible of the clients that