Bank Hapoalim B.M. S/Adr (BKHYY) Q3 2020 Earnings Call

Investor webinar replay

Replay transcript excerpt

Ladies and gentlemen, thank you for standing by. Welcome to the Bank of Berlin third quarter 2020 result conference call. For your convenience, this call will be accompanied by a PowerPoint presentation. May we suggest, if you have not yet done so, that you access the presentation on the bank's website at www.bankofberlin.com by clicking on the financial information on the home page and then clicking on the third quarter 2020 result presentation. All participants are present in listen-only mode. Following Madeline's formal presentation, instructions will be given for the question-and-answer session. For operator assistance during the conference, please press star zero. As a reminder, this conference is being recorded November 19, 2020. Our speaker today is Mr. Ram Gev, CFO. Also with us today... from Mr. Ofer Levy, Chief Accountant, Mr. Victor Bahar, Chief Economist, and Ms. Karen Mazur, Head of Investor Relations. I would like to remind everyone that forward-looking statements for the respected company's business, financial condition, and results of its operations are subject to risk and uncertainties that could cause actual results to differ materially from those contemplated. Such forward-looking statements include, but are not limited to, product demand, pricing, market acceptance, changing economic conditions, risk in product and technology development, and the effect of the company's accounting policies, as well as certain other risk factors, which are detailed from time to time in the company's filings with the various securities authorities. Mr. Ghez, would you like to begin? Thank you. Good afternoon, everyone, and thank you for joining us today for the first quarter resource call. Let me start with a quick recap of the results and then touch on the macroeco...