Q3 2022 mBank SA Earnings Call Transcript
Good afternoon, ladies and gentlemen, and welcome to our conference where we will present the results of mBank Group in the third quarter of 2022. As always, the results will be presented by Mr. Cezary Stypulkowski, our Chief Executive Officer; Mr. Andreas Boger, Chief Financial Officer; and Mr. Marek Lusztyn, Chief Risk Officer. Mr. Marcin Mazurek, our Chief Economist, will discuss the macroeconomic outlook. We will be happy to take -- to answer all your questions after the presentation. Cezary, please start.
Okay. I think that the title explains a lot about the burdens and legal backdrop [weighed] on the results. I would say we are extremely efficient, well structured. It was a good business model institution, but, to some extent, I have to say we operate in the wrong country. Sad to say, but this is being reflected by the numbers, which will be presented.
So we are in a situation where our
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