Some Challenges For Selecting Indispensable Issues For Unsecured Business Loans

-------------------------------------------------------------------------------- Jason Hurwitz, VTB Capital - Analyst [19] -------------------------------------------------------------------------------- Alex Kantarovich, JPMorgan - Analyst [21] -------------------------------------------------------------------------------- Oliver, could we elaborate a little bit on acquisition costs? I appreciate that you signal cost to income ratio reduction, but my specific question is on customer acquisition costs, how they would compare 2017 versus 2016 in your take? -------------------------------------------------------------------------------- Oliver Hughes, TCS Group Holding PLC - CEO [22] -------------------------------------------------------------------------------- So by comparing the -- comparison of expense in 2016-2017, I missed slightly what you were asking. -------------------------------------------------------------------------------- Alex Kantarovich, JPMorgan - Analyst [23] -------------------------------------------------------------------------------- Yes, how would customer acquisition costs compare in your plans. I appreciate that a few moving parts, but you have certain increase in portfolio in mind and that you might have planned the acquisition cost for the next year. -------------------------------------------------------------------------------- Oliver Hughes, TCS Group Holding PLC - CEO [24] -------------------------------------------------------------------------------- Sure.

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