Hello, everyone. It's 2:00 P.M., so we can start financial results for the third quarter of Citi Handlowy. Hello, everyone, my name is Adam Piotrak. I'm responsible for investor relations. I'm with Maciej Krywoniuk, Head of Strategy and Investor Relations, who will pass through the earnings presentation. The presentation you can find on our website in the section Investor Relations. Maciej, the floor is yours. Okay, thank you, Adam. Thank you, everyone, for joining. Very good afternoon to you all. As mentioned by Adam, I'll walk you through the earnings presentation. It's available on our website under the Investor Relations tab. And just to open, I wanted to share with you that we will not be commenting on exit from Consumer Bank. Any important milestones regarding the exit will be shared with all of the market participants through Warsaw Stock Exchange when the time comes. So moving on to the earnings presentation, starting on page two, it's my pleasure to share with you again that it's been another solid quarter. The revenue was above PLN 1 billion in the third quarter, and the net profit reached PLN 545 million. It was the highest level in the last four quarters. Looking at the balance sheet dynamics, the lending was up 7% year over year. It was primarily driven by the institutional clients' portfolio, and the deposit volume was up by 2% of the total bank. So looking at the capital position, we ended the quarter on 22.8% Total Capital Ratio, which is well above the regulatory threshold for the bank. Moving on to the business segment's performance in the third quarter, starting with the Institutional Banking segment, the revenue decreased by 5% quarter over quarter, primarily driven by slightly lower treasury results, which I'll be covering in the next sections of the presentation. On the other hand, it's important to underline that the client revenue increased by 6% quarter on quarter, with positive contribution to the top line. The lending, it was the third consecutive quarter of the lending volume growth, a 4% quarter on quarter increase, primarily in two segments: C ommercial Banking and Corporate Banking. Just a few words of comment on this growth. It's primarily short-term lending. We are still waiting for the full recovery, i.e., more investment-type lending in the corporate portfolio. So there are no very strong triggers, but we are positive midterm looking at 2025. In our view, it will be a combination of our client activity and GDP growth that will be positively contributing to the midterm growth. We were active in capital markets. We arranged EUR 550 million bonds for BGK. The transaction banking volumes were also strong this quarter. The trade financing assets grew by 18% quarter on quarter, which is another quarter of growth in this area of Institutional Banking. The Consumer Bank, this was a quarter with growth in one of our strategic areas, namely the Wealth Management. The top line of Consumer Bank was up 9% quarter on quarter. There were some impacts of one-offs, i.e., credit holidays, which I'll be covering in more detail in the next pages. On the loan side, positive trends in the cash loan portfolio, which was up 2% quarter over quarter. I've mentioned the Wealth Management. What is good news is that the number of wealth management clients in both CPC and Citigold were up by 2% quarter over quarter. Moving on to the volumes, so starting with Institutional Banking on page number three. So the lending portfolio was up 8% year over year, and it was up 4% quarter over quarter. Two contributors: Commercial Bank with 4% quarter on quarter growth and Corporate Bank with 2% quarter on quarter growth. When you look at the new lending volumes, we have either granted or increased the financing and the value of over PLN 1.3 billion. In the June-September period of this year, the value of loans granted were up by 26% year over year. Good news also on FX volumes, which were up by 13% year over year. It was primarily driven by the appreciation of zloty, and that was reflected in the higher activity among our largest clients. Last but not least, strong volumes of our transactional banking business with growth among several areas, including the cross-border money transfers as well as domestic money transfers. In general, the number of transactions is growing among the transactions and also the ones that are processed online. The deposit book, it was flattish quarter over quarter. However, it was up by 3% year over year. On page four, just briefly, we are highlighting the flagship transactions, which spread across all of the product lines. You see the examples of both trade loans, core lending, as well as capital market transactions. What's important is also the public sector, which is an important element of our business mix in the Institutional Banking side. And what you see is an example of our strategy that we are promoting, where we are promoting digital cities. And Jaworzno was one of the cities where we are their primary banking partner, and we are providing the comprehensive banking services, including the implementation of cashless and digital solutions. Moving on to page number five, which is the Consumer Banking book. So the business volumes of Consumer Bank, starting with lending, the lending book was up by 1% quarter over quarter, so slight growth, primarily driven by the dynamics of the mortgage loan portfolio. It grew 10% year over year and 1% quarter over quarter. The lending book recorded 4% growth compared to third quarter last year. Looking at transactional volumes, the FX, slight decrease of FX volumes. Just a word of comment here. So basically, the number of transactions is growing. However, what we observed, this quarter was characterized by small-ticket transactions. Still, the digital solutions, including our Citi Kantor, are very popular among our clients. However, this was a quarter where we were missing slightly the FX related to retail investment activity. However, good trends on the wealth management side. So both the total relationship balance was up by 6%. I briefly mentioned at the opening that the number of Citigold Private Clients was growing. And as you can see here on the slide, it was up 8%. Mixed drivers on cards this quarter. The transaction value domestic was slightly down, 2%. However, our clients are frequent travelers. In this quarter, the transaction value that is cross-border was slightly up. The deposit book remained flat both quarter on quarter as well as year over year. Moving on to slide number six, which is social responsibility. It's an important element of our ESG strategy. What you see on the slide are just the examples of different programs that we are running, ranging from a program to fight homelessness under the Global Innovation Challenge 2024, as well as the Entrepreneurship Development Program. Last but not least, we have been supporting women from Poland and Ukraine through the mentoring program called Welcome. It's an important element, as I mentioned, of our efforts. We will be sharing more of the ESG-related themes during our quarterly earnings going forward. Coming back to the financials and more details behind the financials, starting with the revenue on slide number eight. So it was another quarter with revenue above the PLN 1 billion mark. The quarterly numbers on the top line were slightly impacted by the payout of the dividends, primarily under the net interest income line. However, it was well compensated by the client activity. Primarily, revenue of transactional banking where it grew 7% quarter over quarter and 17% year over year. The FX volumes were also up 2% quarter over quarter. So good top-line performance with high growth dynamics of transactional volumes. And there was also what's important, there was a lack of one-off gains on the debt securities portfolio. More details on the treasury slides in the later part of the presentation. And especially in the consumer banking, the growth of the top line in Consumer Bank was driven by growing volumes of our wealth management business. There were, as mentioned, no one-offs which we have recorded in the previous quarters. More details on the net interest income, which is page number nine. The NII with PLN 808.19 million this quarter was the highest in the last four quarters. I've mentioned the dividend impact on the NII in the treasury area. Looking at the NIM trend, so the net interest margin, as you can see, was up 19 basis points quarter over quarter. The volume growth and increase in margin of debt securities portfolio as well as institutional loans portfolio were primarily contributing to the growth. Also, if you look at the segment split, you can see that there is 6% quarter over quarter growth of the consumer banking, the consumer banking NII line. This is a combination of mortgage and secure loans as well as credit holidays, which were a one-off impact last quarter. We released the provision regarding credit holidays, not material impact, but positively contributing to the improvement of the NII line. Slide number 10, net fee and commission income. Slightly down by PLN 7 million, 5% quarter over quarter. The PLN 7 million was primarily seasonality of our custody business, where there are general shareholders meeting in the second quarter. There are no such events in the calendar of the third quarter, which is a reflection of the slight decrease in the fees line. Basically, there were also no one-offs in this P&L line this quarter. Looking at the long-term trend, so this is something that we are observing. The growth in trade is something that we are happy with. It's been five quarters of consecutive growth in trade. I have been touching upon the investment products in the consumer business. Looking at wealth management sales, they were up by 70% from January this year. So good trends there. And in general, the underlying business performance was strong with lack of one-offs, as mentioned before. Page 11, which is the treasury page. So PLN 785 million, the 6% decrease quarter over quarter. The net interest income, as indicated on the slide, has been impacted by the lower balance sheet corresponding with the dividend payout. However, what's important when you look at the trading results, one of the main contributors to this section is the FX activity, the client-related FX activity. And this was a quarter with strong FX client revenue, which positively contributed to the stabilization of the trading revenue. Under the AFS line, as you can see, there was lack of gains realized this quarter. However, it's also important that we are looking at this line more through a long-term lens, and we are not analyzing every individual quarter here. What's important is more the long-term view. Looking at the balance sheet, the primary component of the mix, it's unchanged. The high-quality debt securities portfolio is the primary element of the balance sheet in our treasury area. Good news on the revaluation reserve. In the third quarter, we have recorded PLN 199 million of the revaluation reserve. So good figures there when you look at the trend since the beginning of the year. So since January, it was up 55%. Expenses on page number 12, that was the lowest expense figure in the last four quarters. So good news here, reflecting our strong cost discipline. Looking at the quarterly dynamics, the staff expenses were the ones that were contributing positively. Shedding some more light on the staff expense side, the quarterly performance was also a reflection of the holiday accrual release. Third quarter is usually a holiday month where our staff is taking the annual leaves, and it's positively contributing to the staff expenses. PLN 347 million in the quarter, down 2% quarter over quarter. All this translated into 32% of cost income, which we are proud of. More on the long-term view, on the right-hand side of the slide, we are still experiencing some pressure on the staff expense line. You can see the growth by PLN 40 million in the year-to-date view. And basically, year-to-date view versus last quarter. And there were also growing regulatory expenses, which were up by PLN 18 million in this view. Moving on to cost of risk, which is page 13. The cost of risk is a reflection of the quality of our lending portfolio. We have recorded no cost of credit this quarter. So basically, what's behind the numbers is it's important to share with you that on the consumer banking side, we have released the COVID provision of PLN 17 million, of PLN 17 million. And this was released completely. So there is no COVID provision left. The performance of the portfolio normalized, and I view that was no more needed. On the Institutional Banking side, PLN 1 million, so close to zero cost of credit. 68% coverage ratio, so very healthy level above the banking sector. And 4.7% of stage three share in our lending book. So all in all, very solid performance on the cost of risk line. And finally, page 14, which is a summary. Just to reiterate, the net income of PLN 544 million with stable operating margin at PLN 743 million this quarter. Solid net interest income up 2% quarter over quarter. Slightly decreasing balance sheet, which is primarily driven by the dividend payout. All this leaves us with the returns both at the ROE at 22% and ROA at 2.3% that are at the very healthy levels. And the capital ratio for the quarter at 22.8%. This is all from our side from the presentation point of view. So happy to take your questions. Okay, Maciej. Thank you for your presentation. It seems that everything is clear. So thank you all for joining our earnings call presentation and see you next quarter. Have a nice day. Bye.