Kurt De Baenst | Investor Relations |
Johan Thijs | Group Chief Executive Officer |
Rik Scheerlinck | Group Chief Financial Officer |
Stefan Nedialkov | Citi. |
Benoit Petrarque | Kepler Cheuvreux |
Robin van den Broek | Mediobanca |
Farquhar Murray | Autonomous Research |
Albert Ploegh | ING Bank |
Kiri Vijayarajah | HSBC |
Raul Sinha | JPMorgan |
Thomas Dewasmes | Goldman Sachs |
Daphne Tsang | Redburn Europe |
Good day, everyone and welcome to the KBC Group Earnings Release Q3 2020, hosted by Kurt De Baenst.
During your presentation, your lines are on listen-only. [Operator Instructions] I would like to advise all party the conference is being recorded. And now I'd like to hand over to Kurt.
Good morning, ladies and gentlemen.