Operator

Ladies and gentlemen, thank you for standing by. I am Yota, your Chorus Call operator. Welcome, and thank you for joining the Bank of Cyprus conference call to present and discuss the first quarter 2026 financial results. [Operator Instructions] 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. Mr. Nicolaou, you may now proceed.

Panicos Nicolaou
CEO & Executive Director

Good morning, everyone. Thank you for joining our financial results conference call for the quarter ended 31st of March 2026. As always, I am joined by Eliza Livadiotou, Executive Director of Finance; and Annita Pavlou, Manager Strategy, IR and ESG. After my introductory remarks, Eliza will go into more detail on our financial performance for the quarter, and then we will be happy to take your questions both during this conference call and afterwards.

I would like to start with Slide #5 and our investment case. Today, the bank is in a very good shape with a strong domestic franchise, demonstrated by our diversified and efficient business model, holding leading positions in banking, insurance and payment solutions. And we operate in an economy that is expected to grow faster than the Eurozone average in 2026, notwithstanding geopolitical tensions, an economy that is flexible and resilient to external shocks. We are one of the