Q3 2020 Raiffeisen Bank International AG Earnings Call Transcript
Good afternoon, ladies and gentlemen. Welcome to the conference call of Raiffeisen Bank International. Today's conference is being recorded. At this time, I would like to turn the conference over to Mr. Johann Strobl, Chief Executive Officer. Please go ahead.
Thank you very much for this kind introduction. Good afternoon, ladies and gentlemen, or good morning, when you are in another time zone. We're happy to talk to you again. I hope you're all healthy, sound, safe in these days. I think that's important.
Now let's talk about Q3, and you have received this morning the numbers. And I think what you see is the impact of COVID so far. And one might say, to a large extent, the way it was expected. In the consolidated year-to-date profit, you see -- and if you compare it with last year, you see the increased provisioning and impairment charges. You see lower costs, which partly also had been caused by currency weaknesses in CEE and the lower cost absorbed some of
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