Q3 2022 Bank of Cyprus Holdings PLC Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. I am Gaily, your Chorus Call operator. Welcome, and thank you for joining the Bank of Cyprus conference call to present and discuss the group financial results for the 9 months ended 30th September 2022. (Operator Instructions). And the conference is being recorded. (Operator Instructions).
At this time, I would like to turn the conference over to Mr. Panicos Nicolaou, Chief Executive Officer; Ms. Eliza Livadiotou, Executive Director of Finance; and Mr. Demetris Demetriou, Chief Risk Officer.
Mr. Nicolaou, you may now proceed.
Good morning, everyone. Thank you for joining our financial results conference call for the 9 months of 2022. I'm joined by Eliza Livadiotou, Executive Director of Finance and Legacy; Demetris Demetriou, Chief Risk Officer; and Annita Pavlou, Manager, IR and ESG.
I will start by highlighting some of the key messages for the first 9 months of 2022 on Slide #4. Despite
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