Banco Bpm Societa Ord

Good evening, this is the Coral School Conference Operator. Welcome and thank you for joining the Banco Bpm Group 9-month 2025 results presentation. As a reminder, all participants are in listen-only mode. After the presentation, there will be an opportunity to ask questions. Should anyone need assistance during the conference call, they may signal an operator by pressing star and zero on their telephone. At this time, I would like to turn the conference over to Mr. Arneris Cassi, IR Manager of Banco BPM. Please, go ahead, sir.

Good afternoon and welcome to Banco BPM 9-month results conference call. We have here Giuseppe Castagna, our CEO, and Edoardo Ginevra, Joint General Manager and CFO, which will take you through the presentation. This will be, as you know, followed by Q&A session, and I kindly ask you to limit yourself to two questions.

Now I hand over to Giuseppe.