Komercni Banka As

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Welcome from Komerschny Banka and thank you for sharing your time with us today. It is the 6th of February 2025 and we are going to discuss the results of Komerschny Banka Group for the full year and the fourth quarter of 2024. Please note that this call is being recorded. Our speakers today will be Jan Juchelka, Chairman of the Board and CEO of Pomerční banka, Jiří Šperl, Chief Financial Officer and Didier Collin, Chief Risk Officer. Standing by in case of your questions are Jitka Halbová, Chief Operating Officer, Margo Simpson, Chief Digital Officer, Miroslav Hirschl, Head of Retail Banking and David Formanek, Head of Corporate and Investment Banking. As usually, we will begin with the presentation of results, which will be later followed by questions and answers session. During the presentation part, all participants will be on a listen-only mode. We would appreciate if you could keep your microphones muted during the time. And now let me ask the CEO, Jan Juchelka, to begin the presentation. Thank you.

All right. Thank you, everyone.