Operator

Ladies and gentlemen, welcome to the Addiko Results Q1 2026 Conference Call. I'm Moritz, the Chorus Call operator. [Operator Instructions]. The conference is being recorded. [Operator Instructions] The conference must not be recorded for publication or broadcast.

At this time, it's my pleasure to hand over to Herbert. Please go ahead, sir.

Herbert Juranek
CEO & Chairman of the Management Board

Good afternoon, ladies and gentlemen. Dear operator I have been echoing. So maybe you can adjust it.

Operator

There is no other line currently open.

Herbert Juranek
CEO & Chairman of the Management Board

So when I'm talking I've been echoing.

Operator

I'm sorry, ladies and gentlemen, we seem to have some technical difficulties, please hold the line while we solve the issue. Ladies and gentlemen, we will now resume to the conference. Please go ahead.

Herbert Juranek
CEO & Chairman of the Management Board

Good afternoon, ladies and gentlemen. Very welcome to the presentation of the first quarter results 2026 of Addiko Bank on behalf of my colleagues, Ganesh, Tadej, Edgar and Stefan. We have prepared the following agenda for you. I will start with the highlights of the first quarter and then hand over to Ganesh, who will update you on the development on the business side. Afterwards, Edgar will provide you with more insight on our financial performance, and Tadej will inform you about the situation in the risk