Q3 2021 Bank Danamon Indonesia Tbk PT Earnings Call Transcript
Good afternoon, ladies and gentlemen. We would like to thank the participants, analysts and investors who have registered and joined the analyst briefings of PT Bank Danamon Indonesia Tbk 9 Months fiscal year 2021 financial results this afternoon. My name is Reza Sardjono, and I will be your host during this event. The event is held virtually using MS Teams live event platform.
Today, we are joined by Danamon's Board of Directors as well as CEO of our Adira Finance subsidiary via MS Teams from their respective locations.
Before we begin, I will explain some information. We encourage participants to join the event by using laptop and use a headset when joining the event. Please ensure, when you are joining MS team in a close environment or room with stable Internet connection. Do not access MS Teams link more than one device during conference. And participants voice access will be put on during the presentation.
For the Q&A session, please note the following points. Each question by
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