Q3 2023 BNP Paribas Bank Polska SA Earnings Call Transcript
Good afternoon, and welcome to our guests present here in the conference room of BNP Paribas and all our viewers online. We always invite you to come and join us in our headquarters. We have much to be proud of, and some snacks to share. Maybe next time, we'll have more of you in the room. As usual, we will talk about the results for Q3 and for the 9 months of the year.
Before I start the presentation, let me say that this is the first time that Piotr Konieczny takes part in our conference. He's our Vice President and CFO. He is to my left. He will be an active participant and contributor to this presentation and the Q&A. On my right-hand side, my colleagues who need no introductions. The agenda of this meeting is quite typical, as you can see on the screen behind me.
Let's move to the key highlights. As you know, our Q3 profit was PLN 445 million, which is slightly less than in Q2 '23, although the number of important P&L lines improved in Q3 quarter-on-quarter. Regarding the volumes, the
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