Q3 2020 Sberbank Rossii PAO Earnings Call (IFRS) Transcript
Good afternoon, everyone, and thank you for being with us on our third quarter results call. We have prepared for you our presentation, the regular one, and then we will have the Q&A session.
The first session will be for analysts and investors and second one for journalists. I have to flag that this conference is being recorded today on October 29, 2020. Before we start, I would like to go through some technical details for the call. So as you have noticed, we are using Zoom today and English and Russian lines are available by clicking the interpretation button. So please use, if needed.
(Operator Instructions) And one more thing, as you all know, some information on the call may contain forward-looking statements regarding our future, events and performance, and actual results may differ materially from those expressed or implied in the statements made during the call due to known and unknown risks and uncertainties. For more information, please refer to the disclaimer statement at the second slide of our presentation. Thank
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