Q3 2022 Santander Bank Polska SA Earnings Call Transcript
It's 11 o'clock. So I think that we can start. I'd like to welcome you all at the conference to present the financial results after quarter 3, 2022. Today, we will present Santander Bank Polska financial results after quarter 3 this year.
Together with us, today, we have Michal Gajewski, our CEO; Maciej Reluga, CFO; Wojciech Skalski, responsible for the Financial Accounting Area; and myself, Agnieszka Dowzycka, the Head of Investor Relations at Santander Bank Polska.
Throughout the conference, you can ask questions by writing an e-mail or sending those questions to -- at the link that you have been provided with. So you can ask questions throughout the conference.
And now, let me give the floor to our CEO.
Thank you, Agnieszka. Good morning, once again. Welcome at the presentation of the financial results after the 3 quarters of the year. Recent months have been difficult and dynamic
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