Hello, everyone. Welcome to the financial results disclosure of Citi Handlowy for the third quarter of 2025. My name is Adam Piotrak. I'm the Investor Relations Head. I'm with Maciej Krywoniuk, the Head of Strategy and Investor Relations Department. He will go through the presentation. The presentation is available on our website, investorrelation.citihandlowy.pl, and it is available on the screen. Maciej. Thank you very much, Adam. It's my pleasure to share with you today the financial results of Citi Handlowy for the third quarter of 2025. It's another quarter where we are executing the strategy that we have shared with you in the first half of the year. I will be discussing the growth in lending volumes that we shared with you we're going to deliver, some key transactions where we participated in, and also the dividend that we have paid out. We paid out PLN 1.3 billion initially, and in October, we paid out PLN 450 million to our shareholders as well. This is part of our dividend policy that we are executing upon. Coming back to numbers, Q3 2025, in terms of the results, for the total bank, the revenue was above PLN 1 billion, and net profit reached PLN 469 million. This translated into a return on equity at 17.1%. Talking about the balance sheet and the dynamics and volumes, at the total bank level, the lending portfolio grew 14% year on year, and deposits were up 16% year over year. The capital position, this remained strong with a TLAC 3R ratio at 25.6% at the end of the third quarter. A few of the highlights in terms of the lending volumes I shared with you: institutional banking, the lending volume grew by 4% quarter on quarter. It was the fourth consecutive quarter where we recorded growth. In terms of financial markets, we arranged two debt securities at the amount of PLN 1.5 billion. We have shared with you some time back that we will be investing in platforms for our clients, and we launched Citi Velocity, and we are gradually onboarding new clients to our FX platform. The CitiDirect, we are digitizing the services for transaction banking clients. When you look at the number of transactions processed by CitiDirect, it amounted to 9.8 million, which is 2% quarter on quarter growth. The consumer banking, the wealth management business volumes growth continued, and the number of clients in strategically important CPC segments, so the Citigold Private Client segment, was up by 4% quarter on quarter. When you look at assets under management, the average amount increased by 6% quarter on quarter. It's my pleasure to share with you that we are also implementing AI tools aimed at improving quality and effectiveness of the services to our clients, giving more time for our employees, and we implemented Citi Stylus and Citi Assist, which are globally used tools in the Citi. Moving on to page three, which is summarizing the business volumes in the institutional banking segments, it's my pleasure to share with you that we have recorded growth across all three segments in the third quarter, and year-on-year growth in our corporate clients segment was the most significant, with 45% year-on-year growth. Both global banking and commercial banking clients were growing as well, and we grew 4% quarter on quarter. If you look at year-on-year growth, it's more than four times the market, with 27% growth of the lending book. The deposit volumes slightly down quarter on quarter, but if you look at year-on-year, the growth was at the very solid level of 22%. In terms of the segment performance, the first markets, you see that FX transaction volumes grew by 3%. The brokerage house, very strong growth of 84% year-on-year in value of transactions. The services, transactional activity cross-border were up 7% in terms of the money transfers. The value of trade finance assets was up 33% year over year, and banking was focused on deepening our relationships with our clients. We granted new financing in the amount which was higher by 32% compared to last year. All this proves that we are executing the repositioning of Citi Handlowy towards institutional-only bank. I will be covering the consumer banking in a while, but moving on to page four, which is just a brief snapshot of key transactions in the quarter. As you can see, we were active in debt capital markets. You see the issuances of debt securities on the page. The Kaucja PL is the example of transaction where we are involved in the sustainability area. We were a partner for the recycling system introduced in Poland on October 1. The transaction from the core lending area is just an example of financing for energy sector transformation and decarbonization-related projects, which are also at the core of our strategic priorities for the next three years. Moving on to consumer banking, it is a discontinued from an accounting point of view segment of our activity, but also an important element of still important element of Citi Handlowy. Loan volumes flattish both year-on-year and quarter on quarter, but growth in the deposit volumes and growth in the wealth management volumes. I have shared that the AUMs were growing, so the average assets grew by 6% quarter on quarter. When you look at other dynamics, the private banking with Citi Gold Private Clients portfolio was 13% year-on-year growth, and some declines, but not significant declines in the cards area where transaction value in terms of the domestic and cross-border was down year-on-year. All in all, pretty strong quarter in terms of the business activity among our clients in the consumer banking area, especially in the wealth management space where we are growing both the client portfolio and the business volumes are growing as well. The social responsibility page, number six, we have been and will be active in the social space. I just wanted to share with you that Perspektywy Foundation, which is an educational foundation, got a grant in the amount of $500,000 for their activities. We are part of the series of programs aimed at helping locally in the Polish markets, also giving access to the Citi Foundation and their activities that are available for Polish participants. Moving on to page eight, which is the revenue page. Starting with the institutional banking, as you can see, the rates impact is visible in the top line that we are sharing with you this quarter, the 5% decline in revenue line year-on-year and 11% quarter on quarter. It's worth underlining that the base for that is second quarter 2025 was positively impacted by gains realized in the markets area. There were no such gains in this quarter, so this is why that's what's primarily behind the decline in the top line. When you look at the segments performance, the client revenue was up 7% despite the rates and record high-level revenue of transaction banking customer relationship banking this quarter. On the consumer banking, almost PLN 170 million in the revenue, down 3% quarter over quarter, primarily driven the decline was driven by the rates impact that we have recorded following the rate cut cycle. The net interest income also impacted by the decline of NBP rate that was down by 100 basis points when you look at the trend. 7% down year-on-year, 3% down quarter over quarter. All this was compensated by growth in lending volumes. When you look at the dynamics of the interest income from our clients, it was up by 8% year-over-year, so we were able to compensate the rates impact by the volume growth. In the consumer banking, the net interest income amounted to PLN 270 million, down by 7% quarter over quarter. Moving on to fees. Fees were solid this quarter. The year-on-year growth was by 9% and stable level versus second quarter of 2025 with PLN 106 million in fees generated in the third quarter of 2025 in institutional banking. This was also driven by strong performance in the transaction banking, primarily trade finance area. The transaction banking fees were up 10% Q1Q and 6% year-over-year. Custody, this is where we are number one in the market. When you look at year-on-year growth, it was up 32%. The net fees and commission income in the consumer banking area, it was at PLN 46 million in the third quarter, 14% growth quarter on quarter, 5% growth year-over-year. This was driven by higher AUMs, which translated into stronger performance and fees in the consumer banking. Moving on to treasury, I indicated that Q2 was very strong in Citi Handlowy, where we recorded AFS gains north of PLN 100 million. The treasury line in the third quarter at PLN 762 million was close to Q1 levels and average recorded last year. We always share with you that looking at this line of our P&L, we need to take more long-term view than analyze single quarters. Some underlying trends when you look at income on FX services, the client activity in institutional banking, it was up by 2% quarter on a quarter. Looking at the mix of our balance sheet and the structure of the balance sheet, primarily high-quality liquid debt securities, which constitute the majority of the balance sheet, reflecting the quality of the portfolio. And the revaluation reserve in September 2025, PLN 137 million, we are actively managing balance sheets, recognizing the gains we were able to achieve the positive revaluation in the third quarter. Expenses, definitely, we remain disciplined in the expense line. The expense line is pretty much stable both year-on-year and quarter over quarter, despite recorded inflation. When you look at the expenses, the type of the expenses, the staff expenses and regulatory expenses were the one that were growing. I would characterize the quarter as solid in terms of the cost income at 23% in institutional banking in the third quarter. Even including regulatory expenses in Q1, we would land at around 26% cost income ratio, which is a very healthy number for our institutional banking. Q3 expenses in the consumer banking area amounted to PLN 189 million, which was down by 15% quarter over quarter, slightly higher by 8% year-over-year, primarily driven by staff expenses in our retail business. Last but not least, our cost of risk in institutional banking, we have reclassified a few exposures from stage one to stage two. This is where the PLN 19 million cost of credit is coming from in the institutional banking segment in the third quarter. You can tell it is elevated vis-à-vis the trends recorded in the previous quarters. However, with cost of risk at a very low level at around 20 basis points, there are no warning signals for us. These are just a few exposures that were reclassified, but we do not see structural issues in the portfolio quality at this stage, which is reflected in the right-hand side of the slide. If you look at both the coverage ratio and share of stage three in our lending book, it is significantly below the banking sector's in terms of share of stage three and where we are well provisioned with coverage ratio above the banking sector levels. The cost of risk in consumer banking was at PLN 3 million, and this is also a reflection of the quality of our consumer banking lending book. This will be it from my side in terms of the summary of the performance in the third quarter. It's time to open up to questions. Okay, Maciej, thank you very much. I think that everything is clear, so thank you for joining. If you have any more questions, we are available. You can find our address on the website, so thank you very much and have a nice rest of the day. Thank you for joining. Have a good rest of the day. Thank you.