 Nordea Bank Abp OTCPK:NRDBY Q3 2022 Earnings Conference Call October 20, 2022 4:00 AM ET Company Participants Frank Vang-Jensen - President Ian Smith - Chief Financial Officer Matti Ahokas - Head of Investor Relations Conference Call Participants Magnus Andersson - ABG Andreas Hakansson - Danske Bank Maths Liljedahl - SEB Maria Semikhatova - Citi Namita Samtani - Barclays Omar Keenan - Credit Suisse Jacob Kruse - Autonomous Research Sofie Peterzens - JPMorgan Nick Davey - Exane BNP Paribas Martin Leitgeb - Goldman Sachs Riccardo Rovere - Mediobanca Matti Ahokas Good morning, and welcome to Nordeas Third Quarter 22 Results Presentation. Here in Helsinki, we have our CEO, Frank Vang-Jensen; our Group CFO, Ian Smith; and my name is Matti Ahokas from Investor Relations. 