However, we know the difficulties banks face and, most importantly, the difficulties their clients face in dealing with anti-money laundering legislation. Therefore, we are preparing a special 4/5  BIS central bankers' speeches  ‘Know Your Customer’ platform. We also need legislation here. We will not be able to do this without legislation. In our opinion, it is this platform that will allow everyone to reduce the costs of implementing anti-money laundering legislation. We hope it will get established. Also, we are developing the Faster Payments System and its functionality in order to level out the working conditions in the payment market. We can see that it is in demand both by banks’ customers and banks themselves. It levels the playing field in terms of competition. I will not go on with the list. I mentioned this to illustrate our approach. We will not turn a blind eye to problems and risks, but where we can, we will try to help banks reduce costs, which we believe is important. I will not have time to discuss questions now. We will have the opportunity to discuss things further and more in detail at our traditional annual forum, the International Financial Congress. It will take place in a month. I think we should return to the questions that Mr. Aksakov raised. And when taking the reporting into account, I agree, we should take another look. We are constantly reviewing these reports.
We can see that banks did not restrict lending, as was the case, for example, during the crisis of 2014–2015, but, on the contrary, significantly increased it and, moreover, restructured a large volume of their clients’ loans. That is to say, they supported borrowers in an acutely difficult period when they needed financial resources. This made it possible to avoid more serious consequences both for banks, whose credit losses were not as serious as many expected, and for the economy as a whole. It seems to me that this shows that building such long-term relationships with clients is very important, and banks had the opportunity to do so because the financial stability they had established in previous years made it possible to carry out a policy of not demanding that their clients immediately repay loans and continuing to issue loans. Therefore, it seems to me that this is a positive result of an overall very difficult last year. The corporate portfolio has shown serious growth, by almost 10%, and continues to grow. In the first four months of this year, growth was 3.5%, taking January to the end of April into account. That is, this trend continues to be seen this year as well. At the same time, it is important that not only large companies are being granted loans, but small- and medium-sized businesses too: the portfolio of small- and medium-sized businesses grew by 20% last year, which is a record level since 2014.