In 2019, 29 percent had accounts, and 56 percent had accounts in 2021. By the way, some people-like most people here-probably will have four or five accounts, but that [figure] is already factored in, the double counting. The increase in the number of accounts has been tremendous and is largely because of e-money.
This corresponds to € billion per year, on average, until 2030, at 2022 prices. This amount excludes investments in the transport sector, which are very sizeable (around € billion), as well as “wider environmental investments” such as environmental protection and resource management € billion).