Ralph Hamers | Group Chief Executive Officer |
Kirt Gardner | Group Chief Financial Officer |
Martin Osinga | Head of Investor Relations |
Andrew Coombs | Citi |
Kian Abouhossein | JPMorgan |
Anke Reingen | Royal Bank of Canada |
Jeremy Sigee | Exane |
Stefan Stalmann | Autonomous Research |
Magdalena Stoklosa | Morgan Stanley |
Andrew Lim | Societe Generale |
Jernej Omahen | Goldman Sachs |
Amit Goel | Barclays |
Adam Terelak | Mediobanca |
Nicolas Payen | Kepler Cheuvreux |
Jon Peace | Credit Suisse |
Tom Hallett | KBW |
Piers Brown | HSBC |
Ladies and gentlemen, good morning. Welcome to the Fourth Quarter 2020 Results Presentation. The conference must not be recorded for publication or broadcast. [Operator Instructions] At this time, it's my pleasure to hand over to Mr. Martin Osinga, UBS Investor Relations.