Q3 2020 OTP Bank Nyrt Earnings Call Transcript
Dear ladies and gentlemen, welcome to the OTP Bank Third Quarter 2020 Conference Call. This conference will be recorded. (Operator Instructions) May I now hand you over to Laszlo Bencsik, Chief Financial and Strategic Officer. Laszlo, please go ahead.
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Thank you. Good morning or good afternoon, depending where you are, and thank you for joining us today on the third quarter 2020 conference for OTP Group results. I'm especially grateful that you joined us today because there's admittedly more exciting event going on, a concomitant event of the U.S. elections deciding moments. But I really appreciate that you listened to us in this moment instead of that event.
So as usual, you have the presentation available on the website so you can download it and follow it at your own pace. And we're also using the new Zoom technology. We also present you on this -- on the screen and as I present, we are going to move forward. So as
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