Next year we shall focus on expanding our activities in Switzerland. In a further step, we shall continue to intensify our international business operations. In order to preserve and further improve our good cost structure, we are reviewing the group-internal bundling of business processes within the scope of the Shared Services Project. Furthermore, we have also agreed to work together with the VP Bank in issues relating to IT and logistics.

In relation to improving the operative key performance indicators, in 2010, among other things, we shall concentrate on employee satisfaction and motivation. For this purpose we shall carry out a staff survey within the LLB Group.