Q3 2023 Deutsche Pfandbriefbank AG Earnings Call Transcript
Good morning, ladies and gentlemen, and welcome to the Deutsche Pfandbriefbank AG conference call regarding the Q3 2020 results. (Operator Instructions)
Let me now turn the floor over to your host, Andreas Arndt.
Yes. Good morning, ladies and gentlemen. Welcome to our analyst call regarding pbb's third quarter and 9 months' results for '23, which follows the first set of first release figures, which we announced and published already last week.
I will walk you through the key developments in Q3 with a particular focus on risk provisioning and the U.S. portfolio, and we'll try to give you an outlook for the full year, for 2023 and beyond. After that, I will be happy to take your questions as usual.
Before going into the slides, please allow me for some summarizing comments. We continue to navigate a particularly challenging environment given the sharp increase and still high interest rates. There's still too high inflation, the geopolitical and
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