Kurt De Baenst | Head, Investor Relations |
Johan Thijs | Group Chief Executive Officer |
Luc Popelier | Group Chief Financial Officer |
Benoit Petrarque | Kepler Cheuvreux |
Tarik El Mejjad | BofA Securities |
Flora Bocahut | Jefferies |
Robin van den Broek | Mediobanca |
Johan Ekblom | UBS |
Omar Fall | Barclays |
Raul Sinha | JPMorgan |
Good morning, everyone and welcome to the KBC Group Earnings Release Q4 2021 Conference Call. My name is Yvette and I am your event manager today. [Operator Instructions] I’d like to advise everyone that this call is being recorded. And now, it’s my pleasure to hand the call over to Kurt De Baenst, Head of Investor Relations. Please proceed sir.