I would like to welcome you to our fourth year Asseco financial results for the first nine months of 2023. Our, my name is Joanna Paczkowska-Tatomir, and I'm responsible for Investor Relations in Asseco. Today's conference is also attended by Karolina Rzońca-Bajorek, Asseco Vice President and CFO. Our results meeting, as always, is divided into two parts. In the first part, we will go through the extract of our results for 9M. The full version is also posted on our website, under IR hub. Moreover, on the bottom of the screen, on the bottom slide, you can see a small banner pointing to the file. The second part of our meeting is dedicated to Q&A session. Let's start with the presentation. Asseco business is developing steadily, and we are satisfied with the results achieved in Q1-Q3 2023. New revenues amounted to PLN 12.6 billion. Normal interest operating profit was equal to PLN 1.5 billion. Net profit in normal interest amounted to PLN 384 million, and reported net profit was PLN 344 million. We emphasize that in Q1-Q3, current exchange rate had a significant negative impact on our results. After excluding organic revenue growth at this rate was 60%. We remain focused on our proprietary software and services, which accounted for 79% of our revenue. These results confirm the effectiveness of our business model based on proprietary software and by with local experience and global expertise. We have a diversified portfolio of clients. Most of them are large, financially stable companies and public institutions. In Q3, we successfully completed the buyback. This goal is to ultimately increase the liquidity of Asseco shares listed on the Warsaw Stock Exchange. In the reported period, 89% of our revenues were generated on international markets through Formula Systems and Asseco International segment. In the Asseco Poland segment, the revenue dynamics amounted to 4% year-over-year basis. In Poland, we achieved double-digit revenue growth in the following sectors: financial banking, healthcare, energy, and telecommunications. We continued the implementation of long-term contracts and projects in the central administration sector. Our sister figures, Asseco Data Systems and Asseco Cloud, also performed very well. In the case of Asseco Data Systems, the growth recorded in the area of trust services is driven by particular agencies. The revenues for our Polish cloud company, Asseco Cloud, increased in the reported period by 46%. The Formula Systems segment reported revenues of over PLN 8.3 billion. In this currency rate, had a significant impact on the sales level. Organic revenue growth at fixed rate was 7%. In the case of Formula Systems, we emphasize the geographically diversified activities of companies from this group. They generated 60% of revenues in Europe, 31 and 41 in North America. Magic generated 90% in Israel and 9% in North America, while Magic Software reported 49% of revenues in the United States, 39% in Israel, and the remaining was 30% revenues from Europe, Europe and APAC and the rest of the world. The Formula group has a wide portfolio of clients from the public sector and large private companies with strong market position. The Asseco International segment generated revenues of PLN 2.9 billion. In Q1-Q3 2023, dynamic increases in sales of ERP systems, generally recorded in Poland, Czech Republic, and Hungary region, was seen in Germany and trans-European region. The Asseco South Eastern Europe group, operating in the southeastern part of Europe, generated double-digit revenue growth in the banking and dedicated solutions segment. In the lower right corner, you can see how our sales by geographical segment has been developing over the last five years. Our revenues are highly diversified by sector. In the reported period, financial banking sector accounted for 44% of our sales, general business sector for 42, and public institutions sector for 24%. And just like in the previous slide, in the bar chart on the right here, you can see how our sales by sector has been developing over the last five years. What is more, what I would like to also emphasize, that Asseco has a diversified portfolio of customers, and in Q1 2023, 10 largest contractors accounted for 10% of group revenue, while the largest customer was responsible for only 2%. In the area of banking and finance in banking, sales slightly decreased by 3%, mainly due to by 20% in the first semester of all segments, where we recorded 30% growth in revenue in the banking company. A high growth rate in the area of commercial and corporate banking, capital markets, and business utilities. In the transnational segment, grew by 1%, mainly due to very good sales results in Asseco South Eastern Europe banking segment, where growth was driven by lines of central bank systems and omni-channel solutions. In the case of Formula Systems segment, please remember about the significant negative impact of exchange rates on these results. In this segment, the company that stood out was Sapiens. This is the long global leading provider of IT solutions for the insurance industry. They generated more than 90% of revenues outside Israel. The company has 66% share of software and recurring post-production services in total sales. Software products and recurring post-production services, including mainly term life assistance, maintenance, cloud solutions, subscriptions, and post-production services. The remaining 34% are of sales are pre-production implementation services, that include many implementation services before go live, which are one-time in nature. Sapiens is currently intensively supporting its customers through cloud migration processes. A significant percentage of new contract, contracts is related to cloud migration. In general business sector, sales increased by 1%. The highest growth by 29% was made in Asseco Poland segment. The very good half-year for Asseco Poland, Asseco Data Systems, and Asseco Cloud. In Asseco Poland, mainly thanks to dynamic growth of revenues in the energy and telecommunication sectors. In the reported quarter, it will implement the three important digital transformation projects in the Polish utility sector, for Tauron Group and PGNiG. In the project carried out for PGNiG, Asseco was responsible for the construction and implementation of the largest green system in the energy sector in Central and Eastern Europe. In the reported quarter, Asseco Poland continued cooperation with PKO BP, PKO BP two, supporting transformation of digital system of this group. In the case of Asseco Data Systems, the sales increase was visible, especially in the area of activities such as the ICT issue. In the case of Formula Systems segment, the growth grew by 1%, we observed higher sales in Matrix IT and in this study. In Asseco International segment, we reported double-digit revenue growth in Asseco, anti-inflation growth for our ERP and also Asseco LPCU. The sales decreased in the segment results from lower sales of Asseco Spain. This company is a distributor of IT equipment and its revenues in the consecutive period was supported by the phenomenon of stock and graph, and the private sector institutions observed during the pandemic. It also should be remembered that the Asseco International segment Q1 to Q 2023 results included two Danish companies sold by Asseco before 2022. Those two entities generated PLN 27 million in the comparable period. In public institutions sector, sales were maintained at a similar level and in the corresponding period of 2022. 1% sales growth was recorded in Formula Systems. We observed growth of Matrix IT revenues in software and telecom services, and increased sales in micro computers. Acquisitions made in 2022 company named Trauma Electronics also positively contributed to the reporting Q3 results. In Q1 to Q3 2022, we recorded double-digit sales increase in the healthcare sector in Asseco Poland segment, as well as stable stream of revenue from the central and local government sector. In 2022, we implemented major special project for the Social Insurance Institution, which significantly increased the revenues of the group. In 2023, we returned to global contractual cooperation with this, with this institution. And from the national segment, we saw a 9% decrease in revenues on year-on-year basis. As we have already commented in the previous meeting, we have a continuing war period in the public administration sector in Slovak Republic due to current political situation there. In addition, as in the business sector, we are dealing with the effects of lack of revenues from damage companies for 2022. We generated PLN 79 million in the comparable period. On the other hand, strong sales performance of Asseco South Eastern Europe and Asseco International should be mentioned. We are satisfied with presented results, which is in such a volatile market environment. 2022 was a record year for us, both in terms of sales and net profit, which is available to Asseco board and shareholder. It should be noted that last year's result was also supported by one-off. Additionally, in 2022, the exchange rate was favorable for us, while this year they are strongly to our detriment. Thanks. W e now experience the high rate ever. Alternatively, the business developed steadily. In the first 9 months of 2023, Asseco's revenues grew by 6% year to date. We strongly recommend analyzing the non-IFRS figures. They are crucial for assessing business financial standing of Asseco Group. In four, nine months, 2023, the operating profit on non-IFRS basis, net of one-off, with the same period of last year, it is very comparable. We maintain profitability on the all-year basis. We managed to balance the increase of labor cost and revenues from already invested contracts. Both during the first three quarters, and Q3 alone of the 2023, non-IFRS operating profit just equal to 11.5%. Commenting on the income statement item below it, it should be noted that despite the increase in debt service and costs, we maintain net interest income at a stable level, thanks to the active allocation of financial services. The lower effective tax rate results from the fact that we use tax relief, tax R&D block to a greater extent, especially in the foreign countries. As a result of one of one-off that occurred in 2022, and the reversal of exchange rate to our detriment, our net result decreased by a single-digit percentage. However, I would like to point out that nothing bad is happening in business, as we are still dealing with the effect of high rate of 2022. Commenting on cash flow generation, as you can see on the slide, we managed to cash in 94% of the group non-IFRS. In case of all our business segments, we are within the range of 80%-120%, which we have set ourselves as a super case scenario. We informed you at the previous conference call that this year, due to the payment schedule in long-term contract signing, public sector in Asseco Poland, we used to have slightly worse level of the ratio in Poland. As expected in 2023, receivables from scenario contracts or invoice, which caused this indicator to return to a very high level and experience 80%-over 84%. We have a stable liquidity position. At the end of September, the level of cash accounted to over PLN 2.6 billion. We have more debt in Formula Systems and Asseco Poland segment. Most debt in Asseco Poland segment resulted from new loans paid out from our mother company. The loan was granted on September 5, 2023, by PKO Bank Polski, and the bank, and on the lease, in the amount of almost 950 million PLN, were leased to finance the buyer. Which was finalized on the 21st of September, 2023. The final repayment of funds should take place by September 5, 2028. The loan will be repaid in monthly installments, and in the last installment will be 50% of the loan amount due.... We feel very safe with the level of debt, both in the Asseco Poland segment and in the entire Asseco Group. Asseco's consolidated order backlog for 2023 in variable rates in the area of proprietary software and services is now worth $12.5 billion. In turn, in fixed rates, it's up to $13.6 billion, and it is 5% higher than in the same period last year. So here you can also see how visible is the exchange rate impact. It is visible in form, especially in the form of system segment. So we can see -7% segment, variable rate was +4% in fixed. In September 2023, Asseco Poland went private of successful buyback. The total value of which was $1.2 billion. A total of 14.8 million shares were purchased. Those shares represented 70.84% of Asseco's share capital. First, I want to call the commercial company. The company does not exercise share rights from adjustment in shares, including voting rights at Asseco General Meeting of Shareholders. These shares were purchased for the purpose of offering them to potential investors. Ultimately, we intend to diversify the shareholding structure and increase it to develop Asseco's current solutions and market position. This process is still ahead of us. Moreover, after the end of the reporting period, at the beginning of October, the president of Asseco's management board, Adam Góral, nearly 190,000 shares of the company, constituted of 0.26% of Asseco share capital, selling them for $1.5 million. In the pie chart or in the pie chart, you can see how Asseco's shareholding structure was shaped before the transaction and how it looks like now. Okay. So I would also like to refer to the situation in Israel. We are deeply saddened by the events unfolding in Israel. Such unprecedented and horrifying acts of terror against civilian population should never occur. Asseco Group companies, as well as a lot of public business continuity programs. They fulfill their contractual and financial obligations on an ongoing basis. Most employees work in a usual hybrid manner. Asseco Group has a diversified portfolio of clients with many large financially stable companies in this situation. Revenue generated in Israel constitutes approximately for us, for approximately 50% of online group revenue and approximately 40% of the Asseco Group revenue. And the activities of the Israeli companies are geographically diversified. From 21,000 people employed in the Formula Systems segment, 13,000 were employed in Israel. As for now, less than 10% of employees, approximately 1,000, were drafted to active military service in Israel, either on board or against the terrorist organization. This corresponds to the average number of call-ups to the army for the past three years. Formula Systems estimates that the impact of the current events on its operations across the investment portfolio will not be severe, and they will remain committed to strategic in global strategy. When commenting on the potential impact of the situation in Israel on the results of Asseco Group, it should be noted that the contribution of the results of Formula Systems segment to the net profit of the Asseco Group is proportionally significantly lower than the share of this segment in the revenues of the Asseco Group. The revenues of the Formula Systems segment contributed 66% of the revenues of Asseco Group, which translates into only 14% share of the segment in the net profit of the Asseco Group. Thank you. This is all from my side. I will check if there are any questions. Let me wait a minute. Okay, so if there are no questions so thank you for attending our meeting. Of course, if you have any questions, so do not hesitate to reach our IR team. We are at your disposal just by now. So see you in our full year earnings call, which probably will be in May.