Dear shareholders and distinguished guests, I'm pleased to welcome you to the Fifth Annual General Meeting of Bank of Cyprus Holdings Public Limited Company. On behalf of the Board of Directors, I'd like to thank you for joining us today under these extraordinary circumstances, and we ask you for your cooperation in transacting the business of this virtual general meeting. The Group CEO is also on the line with us to address any questions. [Non-English content]. As required by the bank's articles of association, I ask the Company Secretary, Mrs. Katia Santis, to confirm quorum and to announce the participation figures. I can announce that 40 shareholders attend today's meeting, either in person or via proxy. This corresponds to 46.36% of the bank's share capital, which is equivalent to 206,848,351 shares. I would like to remind you that the speeches of both the Chairman and the CEO addressing the shareholders are available on the company's website. Thank you, Katia. We are now moving on to the business of the Annual General Meeting and the proposed resolutions. As indicated in the notice of the meeting, we will take all resolutions on a poll vote by means of electronic voting, and I therefore ask the Company Secretary to elaborate. Mr. Chairman, under Article 62A of BOC Holdings' articles of association, the Chairman is entitled to demand a poll on any resolution. I presume that all of you have read the AGM notice with the proposed resolutions and the agenda-related documents. The notice includes the agenda of the ordinary and special business of the AGM, as well as explanations for each agenda item. The notice in both English and Greek has been posted on the bank's website. All agenda-related reports are available on the bank's website. Any comments or questions you may have about all these reports and proposed resolutions can be raised later in the meeting. Unless there are any objections, we can consider these documents as already read. The poll is now open for all resolutions on today's agenda. I invite the secretary to explain how the shareholders may exercise their voting through the Lumi application. The Chairman has already opened the voting on all resolutions. You should now be able to see the polling icon on the navigation bar at the bottom of your screen, where all resolutions and voting choices will be displayed. To vote, simply select your voting direction from the options shown on screen. A confirmation message will appear to show your vote has been received. To change your vote, simply select another direction. If you wish to cancel your vote, please press cancel. You may vote or change your vote at any time during the meeting until the Chairman announces the closing of the voting on resolutions. At that point, your last choice will be submitted. [Non-English content] Let us now proceed with the Q&A session. You may submit your questions in writing at the designated space in the Lumi application. I would kindly ask you to be brief and to the point when submitting questions. The Chairman of the Board of Directors and the Group CEO, as well as the Bank's Legal Advisors, are available to address your questions. No questions have been submitted yet. We will keep the session open for another five minutes. No questions have been submitted. We will now close the session. The voting will also close so that the results can be announced. I would like now to ask Mrs. Katia Santis, to read the results of the voting. Lumi has made available the results to the company secretary. I will announce the results of the voting for each resolution in the order announced in the AGM notice. Resolution number 1, number of shares, 206,848,179, representing 100% in favor. Resolution number 2, number of votes 206,848,179, representing 100% in favor. Resolution number 3, number of shares 206,848,179, representing 100% in favor. Resolution 4(a), this is the election of Mr. Takis Arapoglou, 180,515,404 votes, representing 90.07% in favor. Resolution 4(b), Lyn Grobler, 200,408,489 votes, representing 100% in favor. Resolution 4(c), Arne Berggren, 200,408,489 votes, representing 100% in favor. Resolution 4(d), Maksim Goldman, 106,754,800 votes, representing 58.88% in favor. Resolution 4(e), Paula Hadjisotiriou, 200,408,489 votes, representing 100% in favor. Resolution 4(f), Dr. Michael Heger, 200,408,487 votes, representing 100% in favor. Resolution 4(g), Panicos Nicolaou, 200,408,489 votes, representing 100% in favor. Resolution 4(h), Maria Philippou, 200,408,487 votes, representing 100% in favor. Resolution 4(i), Nicolaos Sofianos, 200,408,489 votes, representing 100% in favor. 4(j), Ioannis Zographakis, 200,408,489, representing 100% in favor. Resolution 4(k), Constantine Iordanou 200,408,489 votes, representing 100% in favor. Resolution 4(l), Eliza Livadiotou, 200,408,489 votes, representing 100% in favor. Resolution 5, 172,376,107 votes, representing 86.01% in favor. Resolution 6, 200,408,489 votes, representing 100% in favor. Resolution 7, 200,408,489 votes, representing 100% in favor. Resolution 8, 200,408,489 votes, representing 100% in favor. Resolution 9, 200,408,489 votes, representing 100% in favor. Resolution 10, 200,408,489 votes, representing 100% in favor. Resolution 11, 200,408,489 votes, representing 100% in favor. Resolution 12, 200,408,489 votes, representing 100% in favor. Resolution 13, 200,408,489 votes, representing 100% in favor. Resolution 14, 199,061,445 votes, representing 99.53% in favor. The announcement of the voting results has now been completed. The company notes the votes cast in respect of Resolution 4(d), which relates to Maksim Goldman. While Resolution 4(d) has been approved, the company will be engaging with shareholders so as to understand their views as part of its ongoing program of engagement. The company notes the votes cast in respect of Resolution D, which relates to the re-election of Mr. Goldman, and his re-election has been approved, and we'll be engaging with shareholders, as stated earlier. Dear shareholders, we have now come to the end of the AGM proceedings. Thank you again for your attention and participation. The business of the current shareholders' meeting, Bank of Cyprus Holdings, is hereby concluded. Thank you