Q3 2020 BAWAG Group AG Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to the BAWAG Group Q3 2020 Results Call. (Operator Instructions) I must advise you, this conference is being recorded today, and a transcript will be published on the website of the company afterwards.
I would now like to hand the conference over to your first speaker today, Mr. Anas Abuzaakouk, CEO. Please go ahead, sir.
Thank you, operator. Good morning, everyone. Apologies, first of all, for the slight delay, some technical issues on my end. I hope everyone's keeping well and healthy. As we enter into the eighth month of the COVID-19 health crisis, we continue to learn and adapt to these unprecedented times, having to address an environment that, frankly, we have not seen before. Our team will continue to act out of an abundance of caution, hoping for the best, but being prudent and conservative in how we manage and assess the potential risks ahead.
With that, let's dive into the third quarter results. So
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