Hello, and welcome to the DDM Holding Q3 2021 report. Throughout the call, all participants will be in listen-only mode, and afterwards, there will be a question- and- answer session. Just to remind you, this conference call is being recorded. Today, I'm pleased to present Florian Nowotny, CEO, and Fredrik Olsson, CFO. Dear speakers, please go ahead with your meeting. Thank you for the introduction. I'm Florian Nowotny, and I'm welcoming you to this actually first full quarterly result call that I'm doing as a CEO. Let me start on slide 3 with a general description of how we see our landscape at the moment. It's clear that following the uncertainties related to COVID during 2020 and to a large extent also first half of 2021, there is clear indication now that the overall banking market is no longer in a crisis mode. That means that the bank management are back to executing a strategic agenda and not only dealing with any immediate crisis. As a result of this, we really see a lot of activity in various countries where banks, financial institutions are looking at divestments, whether it's non-performing loan portfolios or a little bit more complex whole platforms, et cetera. This is exactly the environment in which we expect to be well-positioned to do transactions and deploy the capital that we've taken on. It's been a very busy few months for us now because we're really in the middle of quite a number of transactions. If you look at page 4, we try to give an outline of the pipeline that we're looking at. It's really a big variety, both in the nature of the transactions as well as in the jurisdictions we're looking at. We've got, for example, two interesting transactions in Spain and Portugal, where we are in quite interesting discussions with the seller on a NPL type of portfolio plus even some leasing type of things, that's moving ahead. We are looking at a larger platform in Sweden that could be quite interesting for us to really increase our scope. We are looking at things in Switzerland. It's really a big variety all coming out of people, banks, financial institutions, really being back to the strategic agendas and finally being in a position to transact on non-core portfolios. That's really, I think the key aspect for DDM over the next months that we deliver on the pipeline. Obviously, we're not gonna do everything which is on this page. It's also, you know, not probability weighted, but we are really working on a lot of live transactions, which are in very advanced stage, meaning, I think I've got like five SPAs on my table at the moment, that we hope to execute, and everybody's keen on getting these signed before the end of the year. There's really a lot of activity now, which we also see in the general market. If you look at the availability and capacity of lawyers and financial advisors, it really shows that activity has picked up extremely in almost all jurisdictions that we are active in. That makes us very confident that we will be able to find the kind of attractive deals that helps us to further grow our business. With this, coming to slide six on what's actually been happening during the last quarter. It's been, I think, a very quiet quarter. The key event clearly was that we increased our bond by another EUR 50 million, which went quite well. We now at the end of the third quarter had almost EUR 100 million on our balance sheet. This is the cash that we want and need to invest and as I explained earlier, are working very intensely on deploying. I think otherwise there were no big surprises on the financial side, and Fredrik will go into more detail on this later. It's been really normalizing compared to the previous quarters. This shows that we've in principle have a quite stable business, especially in our core market, Croatia, where there has been a quite good tourist season, which is also a key aspect in this market. At the back of this good tourist season, we are quite confident and optimistic on what we see happening in this market, and that we can continue to deliver on our expected collections. On page seven, just a reminder on our bond programs. That is, I think, really has been a key focus for us for this year and work which we executed nicely, that we transformed our maturity profile. I think we now have a nice maturity profile which enables us to continue with a steady business and really focus now on growing our balance sheet, again growing our investment portfolio, having and doing so on the basis of a quite secured and well-structured funding base. Going to page 8 on the ERC. What do we expect to collect in the future? I think there were no real changes here to what we've shown previously. We continue to have a significant exposure to Croatia, which we like, but obviously, it would be good to get some diversification here from the transactions that we're currently working on. It's clear that really a majority of our ERC is based on secured debt. That means we ultimately have a quite significant exposure to the underlying real estate markets, and which helped us because clearly across Europe, including you know Croatia et cetera the real estate market is picking up again. There is liquidity again so that helps us to get the money on our secured exposures and might be a little bit more chunkier for the unsecured portfolios, but also ultimately this proves to be very stable and we are quite getting good indications on especially the liquidity in the underlying real estate markets picking up. I think that's in a nutshell where we stand at the end of the third quarter, and I'm now handing over to Fredrik to lead you through some of the financials. Thanks, Florian. Please turn to slide 10, which shows our financial KPIs for the last 12 months in line with previous quarters. Adjusted gross collections total EUR 64 million for the 12 months ending 30 September 2021. 48% below 2020 due to the significant collections we received from Greece last year. Adjusted cash EBITDA of EUR 42 million for the last 12 months ending 30 September was 58% below the full year 2020 though due to the lower collections. However, with a high cash conversion ratio, i.e., the ratio of adjusted cash EBITDA to net collections of 79%. As Florian previously mentioned, our total assets were 267 at the end of September, an increase of 61 compared to end of last year, mainly then due to the refinancing of the senior secured bonds in April and then the EUR 50 million bond tap issue in September. This was partly offset by the repayment of the EUR 9 million on the RCF at the beginning of the year. Equity amounted to EUR 37 million at the end of September, following the one-off expenses of about 3.9 relating to the bond refinancing. The increase in total assets following the bond refinancing and the tap issue resulted in equity ratio in the bond group of 20.5%. Please note that the covenants under the senior secured bond group are incurrence covenants and not maintenance covenants. Our operating margin was approximately 58% for the twelve months ending September 3, 2021, below the operating margin for 2020, mainly due to the lower proportion of collections received from Greece, which had a lower amortization relative to the other secured portfolios in the Balkans. Our LTV ratio, which is the ratio of net debt to ERC, is slightly above year-end at 44%. Please turn to the next slide, that being 11. This slide shows our balance sheet structure at September 3 here, as we've commented on previously as well, but we're now standing at the EUR 257 million. Main movements compared to end of 2020 are the increase in liquidity and the significant extension to our debt maturity. Now the majority of the bonds outstanding are due in April 2026 following the issuance here at the beginning of the year and the tap issue, let's say putting us in a good position here, both in terms of liquidity and also maturity-wise to you know utilize the opportunities that Florian here previously talked about. We have a very strong liquidity position of EUR 98 million of cash, and we're now of course looking to deploy these funds with increased activity here that we're seeing in the market. That's very brief for me today. I'd like to hand back to Florian and then open up for any questions you might have. Thanks, Fredrik. Sorry, we still have key takeaways on page 13 before we open up for questions. I think it's everything has been said. I think the key aspect is up to now, we've really fixed the liability side of our balance sheet by improving the maturity profile, having a clearer maturity profile, so that our key focus is on also getting the asset side, the portfolio side of the business in a stronger state. That's what we're really working for. For this, we're well-prepared. We've got the liquidity, we've got the deal pipeline, so we're really in execution mode now, and that's what we will be focusing on during the rest of the year. I think with this, I hand over to the operator for questions. Yes, thank you. Ladies and gentlemen, if you wish to ask a question, please press zero one on your telephone keypad. Ladies and gentlemen, it's zero one to ask a question. No question for the moment. Just a reminder, ladies and gentlemen, if you wish to ask a question, please press zero one on your telephone keypad. Gentlemen, it seems there are no question by phone. Okay. If there are no questions, then, in any case, both Fredrik and myself are, of course, always available to directly answer any questions. If you wanna have any follow-up questions, clarifications, please don't hesitate to get in touch with us. Otherwise, talk to you again next year, unless there's anything happening in between that you wanna get in touch with us. Thank you. Thank you. Thank you, ladies and gentlemen. This concludes the conference call. Thank you all for your participation. You may now disconnect.