Q3 2021 Bank of Cyprus Holdings PLC Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. I'm Merto, 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 2021. (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.
Thank you. Good morning, everyone. Thank you for joining our 9 months financial results conference call. I'm joined by Eliza Livadiotou, Executive Director of Finance; Demetris Demetriou, Chief Risk Officer; and Annita Pavlou, Manager, Investor Relations. After my introductory remarks, Eliza will go into more detail on our financial performance and then we will turn to Q&A.
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