Three among the largest CIT payers in the entire economy, not only banking sector. This is important in the context of the ongoing discussion about additional levies on the bank sector. Let me also add that all top three taxpayers were banks. Net profit for the group reached PLN 4.892 billion, of which PLN 1.813 billion were generated in the third quarter alone. Let's move on to slide seven. We serve nearly 6.1 million clients. We see higher numbers of digital customers, app users, after the nine months of 2023. Client deposits totaled PLN 221 billion, and client funds, including investment funds, reached PLN 249 billion. The gross loan portfolios stood at PLN 165 billion, and total assets amounted to PLN 317 billion. On slide eight, we're presenting core financial results. Like I said, net profit PLN 4.892 billion. Net interest income PLN 9.549 billion. Net fee and commission PLN 2.2 billion, up 5%. Total income PLN 12 billion, up 6% year on year. For Q3 alone, it was nearly PLN 4 billion. Our capital position remains solid. Return on equity 21.6%. Excellent liquidity. Liquidity coverage ratio of over 203%. On slide 10 and 12, we'll present the new features we've introduced to our offering. Just yesterday, we became one of the first to offer the Samsung Pay digital wallet. We're continuously committed to providing a wide range of payment solutions, and we remain a leader in the area with 1.3 million active cards in digital wallets. Very impressive. The same applies to the number of transactions. For SMEs, we've enabled multi-currency support on business cards. We've also introduced improvements to the smart loan process. Let's move on to slide 13. Business data for third quarter. In retail banking, 4.8 million personal accounts we maintain at the moment. That's up 2% year on year. In quarter three alone, we opened 113,000 accounts. In cash loans, we issued PLN 9.3 billion in cash loans. In Q3 alone, this amounted to PLN 3.3 billion, 9% more year on year. This marks a record-breaking quarter for cash loans, which we're very pleased about. For mortgages, this has been the best period for five quarters. In Q3, sales was PLN 3.1 billion. Similarly to previous quarters, most bulk of sales was based on fixed interest rate, and the share of those loans in the total PLN portfolio is 48.6%. In the SME segment, over the first nine months of the year, we issued PLN 3.9 billion in loans with PLN 1.3 billion in Q3 alone. We're advancing digital processes, and the volume of SME loans issued entirely online has increased too. Leasing continuously good results. PLN 3.5 billion, a 17% increase year on year. In Q3, this amounted to PLN 1.2 billion. Our e-loan Požerčka product is selling increasingly well, and it is now available to startups too. In business and corporate banking, loan volumes increased by 8% year on year. FX income by 11%. Client activity in remote channels is growing. The same applies to mobile customers. Now, corporate and investment banking revenues from capital markets rose by 56%. Treasury transactions up 15% year on year. Now moving on. Slide 15. The activity I mentioned previously, this, of course, is driving the size of our balance sheet. As at the end of September, the gross loan book was PLN 165 billion. On slide 25 in the appendix, we show the sustained strong level of new loan sales across segments. As you can see, we see significant growth. We're very pleased about, especially in corporate banking, 8% year on year and quarter to quarter up 2%. Slide 16. Client funds. PLN 249.5 billion. Deposits PLN 221 billion. Slight decline in deposits from individual clients. Term deposits, on the other hand, show an increase in balance. The drop in current accounts was triggered by the drops in savings accounts. Corporate deposits at 2% increase. Term deposits up nearly 8%. Deposits from the public sector increased by as much as 5% this quarter. Term deposits and current account balance also increased. Investment funds reached a 23% increase year on year and 8% quarter on quarter. Now, profit and loss account. Net interest income and NIM. That's slide number 17. The net interest income was PLN 9.5 billion, which is 5% better year on year. In quarter three alone, the growth was by 0.5%. Year on year, interest income increased by 6%. Let me highlight that net interest income in quarter three is the highest this year. It's nearly as high as the record high quarter in 2024. That's despite the interest rate cuts. Our NIM was 4.88% on continued operations. The decline was really marginal. Let me highlight that was despite the interest rate cuts. Slide number 18. That's net fees and commissions. On a year-to-date basis, they total PLN 2.2 billion, which is 5% up on the last year. In quarter three alone, net fees and commissions were 3% higher than a year ago. We saw really nice growth in asset management fees by 18%. Yeah, insurance fees, FX fees, and brokerage fees. Quarter on quarter, FX fees increased, insurance fees increased, and the asset management fees. Just like in the previous quarter, let me highlight that this is the follow-up of the bigger number of transactions done by our clients. We have not changed our prices at all. Slide number 19 outlines income. Total income PLN 12 billion, as I've already said, growing by 6% year on year. Let me highlight that in the first three quarters, the gains on financial operations were much better than a year ago. In quarter two, let me remind you, thanks to a conducive market landscape, we earned outstanding results under the trading and valuation. Of course, this was driven primarily by FX transactions and trading. In quarter three, the gains and losses on financial operations position actually normalized. Slide 20, very important for us, operating costs. After three quarters, this is PLN 3.6 billion, growing by 8% year on year. As you might remember from previous presentations, this is driven by higher contributions to the banking guarantee fund. Excluding regulatory costs, total costs increased 5% compared to the previous year. Of course, driven by inflation, pay increases, and cost of services. Compared to the previous quarter, the costs in total increased by 2%. Administrative costs without regulatory costs grew by 4% year on year, but compared to the previous quarter, they declined by 7%. Tough costs, they increased by 5% year on year and 7% compared to the previous quarter. This is clearly impacted by accruals for performance-driven bonuses and the focus we have for our performance this year. The pace of growth in costs year on year for three quarters remained low at 3%. As you can see, the pace of growth in costs is close to the growth in inflation. We keep it under strict control. Loan loss provisions. The net balance for all of the loan loss provisions for expected credit losses was PLN 439.5 million, much lower than the last year. This was driven, first of all, by the high comparative base. Last year, you might remember, we expanded the criteria for classifying exposures to stage two, and the impact of that was PLN 125 million nearly. The other reason for that is the sound and stable quality of our loan books. The cost of credit risk, 33 basis points, is one of the lowest historical results in the bank. Other key risk indicators, like the share of NPLs at 4%, remain at a good level. We also can see the stable levels of past due payments and new entries to the NPLs. In quarter three, we did not record any one of major events. As you can see on the next slide, we sold non-performing debts worth nearly PLN 400 million, while the gain on that was PLN 98 million. Slide number 22, banking tax and regulatory costs. As I said, in quarter three, the regulatory and tax levies totaled as much as PLN 730 million. After three quarters, our EBT was PLN 6.4 billion, while the tax and regulatory levies totaled PLN 2.5 billion. Summing up our performance after three quarters, that's slide number 23. You can see here all the key lines and figures. I will not repeat it. Let me just highlight the effective tax rate. In nominal terms, the CIT is 19%. We have memorialized in our P&L without a tax shield. The effective tax rate is now as that. Summing up, I'm happy with business performance. We can see how active our clients are. Sometimes we can see even record high sales volumes. We have really good quality of our portfolio. We have a high number of transactions and a growing number of transactions made by our clients, mobile transactions and digital channels. All of that bodes well. We are really looking forward here to the results of rankings by Newsweek and Forbes to be announced today. We are always curious how we benchmark against others. I'll hand over to you to the questions and answer session. We've got the questions ready. Thanks, Agnieszka. I tried to group the questions. Let's start from the question. It refers to the Polish government recently proposing changes to the bank's CIT. What is your current estimated impact from these changes on the bottom line? What do you think about it? Do you have any strategies you could implement to alleviate this impact? Let me take this question. In reference to what I've already said, banks are the biggest CIT payers. Every fourth PLN is paid by banks. Last year, out of the 10 top payers, the 10 top payers included six banks, and the top three payers are banks only, including ourselves. In my opinion, banks significantly contribute to the state budget. It's slightly surprising to us to make this sector the only one to contribute more, the sector that is contributing most, really. There are many opinions about it. Some lawyers say there is a significant constitutional concern. The additional CIT rate should not solely rely on one sector. We contribute to the defense and military expenses. Maybe we'll have a separate conference about it, but also other social initiatives, education. We pay our taxes in Poland. We don't do any optimization abroad. We pay taxes here. It should be stressed out that we share our profit with the state and with the Polish investors, including the pension funds. Let me remind you that over 23% of bank shares are held by OFEs. That's over 14 million future retirees. If you look at the stock data, that means return on assets or yields. The banking sector is not the most profitable. The Association of Polish Banks did the research on that. There are 12 more profitable industries compared to the banking sector. Our sector ranks only 13th in terms of profitability, and yet we already pay the highest taxes in the country. Something very important, that the nominal tax rate versus the effective tax rate, there is a difference. We pay more in terms of the effective rate. The nominal rate is 19%. That would be an increase of 60%. Easy math. What impact this would have on our P&L? That's the comment I have when it comes to CIT. Okay. Thanks very much. We have a few questions regarding net interest income and the volumes. What is your current outlook on interest rate 2025 and 2026? What is the sensitivity to rate cuts? We assume it will go down to 4% beginning of 2026. There will be two cuts of 25 basis points. We don't quote cuts in November, but if it is cut, then, of course, we forecast it will go to 4% in total. The market prices it in deeper, but we assume two cuts in total. Sensitivity, no major changes. I said the same thing last quarter, without SCB, 257 sensitivity if we have a cut of 100 basis points in a 12-month horizon. We presented on slide 20. You can look at our NAI. Rates went down 100 basis points, and our income is higher. A bigger size of balance sheet neutralizes those effects. We are nearing the end of the easing cycle. What else? Expectations with regards to the growth in loans. We are optimistic, as our CEO said. We are growing in retail mortgages. We expect the trends to continue also in the business segment. The growth in the business segment was 9%. We think that in 2026, we will see growth in investments. The growth in loans for businesses will be solid. There is also a question, and in English, when do we expect decap for loan volumes? We started the peak up in 2024, so we are not complaining about the lack of growth. In quarter three, we can see the effect. This is a one-off seasonal development. Sometimes we had things coming into the portfolio and getting out, especially in CAB, but for CAB, all other segments show solid growth. That is about referring to this section of questions. In referring to cost, there are two questions, a general one and a detailed one. Wojciech. The outlook for the growth in cost in 2026. Just to remind you, and by way of a disclaimer, our bank does not publish official forecasts. We can just treat it as some guidance. As we followed this strict cost discipline, and nothing changes here, we know how to keep it in place. When it comes to our fixed cost overhead, we can say that if we take a look at the inflation outlook for the next year, that will be the indicator of the growth, the band of changes. We should not forget that there will be costs related to the change of the owner, but we are not ready yet to give any precise figures. I think that at our next meeting, we will be able to tell you more. That will be a separate category of cost for us because there will be non-recurring. Looking at the detailed question, let's read it out. What part of costs represent the costs of IT employees? That depends how you define it. IT people. I tried to take a look at that. People who deal with technology in the common understanding, who work in the unit called the Digital Transformation Division, but there are also people supporting operations in the bank, and we would not treat that as IT. That is roughly 15% of our staff costs. At the same time, we should remember about two things. People with IT skills work not only in this division, but also in others. We are not capturing that so that we could give you a detailed analysis. The other thing is also that the bank supports itself when we need short-term or specialty support by contractors, IT specialists. When spending on this type of technological solution, if that software development is capitalized, then it's amortized properly. The impact on costs, so those costs are quite wide-ranging, but roughly we can say 15%. These are the people who work in the IT division. Thank you, Wojciech. The section about foreign currency mortgages. We can actually boil down the answer to answering future risks and the expectations of provisions. Once again, Michał Gajewski, let me answer that. First of all, we believe that our provisions are adequate. Their coverage ratio is 154% on average. We are reviewing parameters in our models, and we will have such a review in quarter four. All the time, we keep supporting the settlements program. At the end of September, we signed more than 11.5 thousand settlements because we think that this solution is the best for clients and for us as the bank. That will be my comment to it. Cost of credit risk, what do you think will be the normalized cost? I don't know what you mean in terms of normalized, in what horizon, but to give you some guidance for the future, we do not expect major changes here either in the profile or cost of risk. That's been mentioned in the presentations. In the months to come, it should stabilize. You might remember that in our strategy, we had KPIs, and the cost of credit risk across the cycle was from 70 to 90 basis points. That was given for consolidated data with SCB. On slide 24, as I said, the last quarter, the difference was in the order of 10, 15 basis points. You should really adjust that band by this. At the moment, we are at this point of the cycle with such a macro outlook now and for the next year that we cannot see any dangerous signals. When it comes to credit risk, we are optimistic, and we expect stabilization. There are a few detailed questions about deposits, hedges, and NII. Let me start with a few questions referring to a decline in current deposits, but 4% in retail. What is the reason, the outflow? Is there any impact on that triggered by the owner's change? When it comes to the decline in current deposits, our CEO mentioned that. It's stated directly in the presentation and in our report. You have the figures there. Current deposits in Poland include savings accounts. The decline in current deposits in quarter three was driven by the decline in balances in savings accounts. In quarter two, we had special offers. When it comes to the current accounts, just for daily banking, we can see positive trends there. This was a one-off driven by savings accounts. The explanation of that is in the presentation and the report. Corporate deposits increased. There is a question about it. While interest expense declined at the same time on those deposits, how does it happen? The deposits are growing because of the good relationships we have with our clients, and the interest expense declines because our interest rates are cut. The beta, that is the percentage to the extent of% we reflect the interest rate cuts. We reflect these interest rate cuts in repricing our term deposits. That's several%. That's beta. That is the reason for the decline in our interest expense on deposits. Moving on to the next question about strategy, we will continue the strategy for term deposits. For current deposits, including savings accounts, we assume they will be growing. Our deposit strategy remains unchanged. There's one more detailed question about hedges. Was there anything exceptional happening in quarter three? Not really. I think maybe as I do not understand that question, if you have any doubts, please contact Agnieszka Dowżycka, and we will get that clarified. Our strategy assumes that at this point, some hedging positions for swapping the floating to fixed rates, and we are renewing them, rolling at lower rates. Otherwise, our strategy remains unchanged. Each quarter, the share of fixed-rate loans in total loans keeps growing, which is the effect on the one hand of our hedging strategy. On the other hand, this is the follow-up of the% of loans represented by fixed-rate loans in the total sales. We haven't changed our approach. More questions. I think we've got three left. Will there be a wider marketing campaign in the fourth quarter to support the loan volumes? No, the volumes are going up. They're beating the market. I don't think we need any action to boost production. All right. Now, legal risks linked to unauthorized transactions. There is a similar question to whether the bank will take action to verify whether the potential change in terms of the CIT rate is not in breach of the Constitution. Here we're talking to the Association of Polish Banks about it. That's the forum where we discuss it. No decisions have been taken yet in that respect. Unauthorized transactions, maybe let's take that separately. We don't have provisions in the third quarter for lawsuits, potential lawsuits in that respect. Nothing like this happened. We don't have any developments in that respect to change our perspective regarding the legal risk versus the previous quarter. That's the end of the question. Lower credit fees. What was it driven by? The line includes the brokerage costs. We have a higher retail lending book, and it is stimulated also by a network of brokers. Those costs, of course, encumber that line in our financials, hence generating the drop. Any other questions, Agnieszka? Now we've exhausted the list. If you have any questions after this call, of course, we'll be happy to take them and send them to my office. Thank you very much. Goodbye.