Q3 2022 Eurobank Ergasias Services and Holdings SA Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. I am Mina, your call operator. Welcome, and thank you for joining the Eurobank Holdings conference call to present and discuss the third quarter 2020 financial results. The conference is being recorded. (Operator Instructions)
At this time, I would like to turn the conference over to Mr. Fokion Karavias, CEO. Mr. Karavias, you may now proceed.
Thank you. Ladies and gentlemen, good afternoon, and welcome to Eurobank's 9 Months 2022 Results Presentation. Together with me is our CFO, Harris Kokologiannis and the Investor Relations team. I will start with an overview of recent developments before we present our results. The global macroeconomic environment remains static, with risks to the downside as more aggressive interest rate policy by several banks may drive recession to deeper levels in Europe next year, the prolonged war in Ukraine, the lack of an EU common policy to deal with the energy crisis and [typical]
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