HSBC Holdings, plc.

Welcome to the Analyst and Investor webinar on the 3Q results for HSBC Holdings PLC. We will begin in 5 minutes. Following the presentation, there will be the opportunity to ask questions. For analysts and investors joining via the Zoom link provided, please use the raise hand function in Zoom to register your interest in asking a question. You may raise your hand now or at any other time during the call. If you're invited to ask a question, please accept the prompt to unmute your line. Please note that it will not be possible to ask a question if you are joining via the webcast link on HSBC's website.

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Welcome to the Analyst and Investor webinar on the 3Q results for HSBC Holdings PLC. We will begin in two minutes. Following the presentation, there will be the opportunity to ask questions. For analysts and investors joining via the Zoom link provided, please use the raise hand function in Zoom to register your interest in asking a question. You may raise your hand now or at any other time during the call. If you're invited to ask a question, please accept the prompt to unmute your line. Please note that it will not be possible to ask a question if you are joining via the webcast link on HSBC's website. Thank you. Thank you. This is the first time I've ever seen such a beautiful painting. It's so beautiful that I can't wait to see it. Thank you. Welcome, ladies and gentlemen, to the Analyst and Investor webinar on the 3Q results for HSBC Holdings PLC. For your information, this call is being recorded. I will now hand over to Pam Kerr, Group CFO.