 UBS Group AG NYSE:UBS Q3 2020 Results Earnings Conference Call October 20, 2020, 03:00 AM ET Company Participants Martin Osinga - Deputy Head of IR Sergio Ermotti - Group Chief Executive Officer Kirt Gardner - Group Chief Financial Officer Conference Call Participants Magdalena Stoklosa - Morgan Stanley Kian Abouhossein - JPMorgan Jeremy Sigee - Exane Benjamin Goy - Deutsche Bank Anke Reingen - Royal Bank of Canada Stefan Stalmann - Autonomous Research Adam Terelak - Mediobanca Andrew Coombs - Citi Andrew Lim - Societe Generale Jon Peace - Credit Suisse Nicolas Payen - Kepler Cheuvreux Amit Goel - Barclays Javier Lodeiro - Zurcher Kantonalbank Tom Hallett - KBW Alastair Ryan - Bank of America Merrill Lynch Presentation Operator Ladies and gentlemen, good morning. 