Q3 2020 Nova Ljubljanska Banka dd Ljubljana Earnings Call Transcript
Ladies and gentlemen, the management board of NLB welcomes you to the webcast where they will present key highlights and business performance of the NLB Group for 3Q 2020. Today's presenters are Blaž Brodnjak, CEO; Archibald Kremser, CFO; Andreas Burkhardt, CRO; and Petr BrunclÃÂk, COO.
This presentation will be followed by a Q&A session. (Operator Instructions) Before we go on, we would like to draw your attention to the disclaimer on the Slide 2 of the presentation. By this, I pass the word to Mr. Brodnjak.
Thank you very much, and good morning to everyone. I'm glad to be able to address you again this time for the quarterly results for the Q3 of 2020. This has been clearly a very specific year, during which we were learning on the go. But what is very important, I believe, that Q3 results of NLB Group are actually a very good news.
From where we were in March and April and where we are -- what we're looking at now, I would say
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