Siaga Hutama
Executive Vice President of Change Management Division

Our Board of Directors who are with us today, our Group CEO, Hery Gunardi.

Hery Gunardi
President Director

Hi. Good morning, everyone.

Siaga Hutama
Executive Vice President of Change Management Division

Our Deputy Group CEO, Ibu Viviana; our CFO, Pak Royadi; our Director of Micro, Pak Akhmad Purwakajaya.

Akhmad Purwakajaya
Director of Micro & Director

Good morning.

Siaga Hutama
Executive Vice President of Change Management Division

Our Director of Risk Management, Ibu Ety.

Ety Yuniarti

Good morning.

Siaga Hutama
Executive Vice President of Change Management Division

And our Director of Corporate Banking, Pak Riko Tasmaya.

Before we move into the presentation, just a couple of quick housekeeping points. First, we encourage you to download the presentation materials available on our IR website or through the link shared earlier this morning. Second, during Q&A session [Operator Instructions].

With that, I will now hand over to Pak Hery Gunardi, our Group CEO, to begin the presentation. Please, Pak, the floor is yours.

Hery Gunardi
President Director

Thank you, Siaga. Good morning, everyone, and thank you for joining us. Before we're discussing our results, let me briefly touch on the macro environment, recent policy responses and also how BRI is navigating this development.

So actually, we are operating in a more volatile global environment with higher oil price, a stronger U.S. dollars and