|Kinner Lakhani||Head, IR and Head, Group Strategy & Development|
|Magdalena Stoklosa||Morgan Stanley|
|Jeremy Sigee||Exane BNP Paribas|
|Kian Abouhossein||JPMorgan Chase & Co.|
|Stefan Stalmann||Autonomous Research|
Good morning. This is the conference operator. Welcome, and thank you for joining Credit Suisse Group's Third Quarter 2021 Results Conference Call for Analysts and Investors. [Operator Instructions]. I will now turn the conference over to Kinner Lakhani, Head of Investor Relations and Group Strategy and Development.