Martin Osinga | Head of Investor Relations |
Ralph Hamers | Group Chief Executive Officer |
Kirt Gardner | Group Chief Financial Officer |
Jeremy Sigee | Exane |
Alastair Ryan | Bank of America |
Magdalena Stoklosa | Morgan Stanley |
Kian Abouhossein | JPMorgan |
Nicolas Payen | Kepler Cheuvreux |
Tom Hallett | KBW |
Jon Peace | Credit Suisse |
Andrew Coombs | Citi |
Jernej Omahen | Goldman Sachs |
Adam Terelak | Mediobanca |
Andrew Lim | Societe Generale |
Anke Reingen | RBC |
Stefan Stalmann | Autonomous Research |
Amit Goel | Barclays |
Patrick Lee | Santander |
Piers Brown | HSBC |
Ladies and gentlemen, good morning. Welcome to the First Quarter 2021 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.