 KBC Group NV OTCPK:KBCSF Q3 2022 Results Conference Call November 9, 2022 3:30 AM ET Company Participants Kurt De Baenst - Head, Investor Relations Johan Thijs - Group Chief Executive Officer Luc Popelier - Group Chief Financial Officer Conference Call Participants Giulia Aurora Miotto - Morgan Stanley Raul Sinha - JPMorgan Flora Bocahut - Jefferies Benoit Petrarque - Kepler Cheuvreux Kirishanthan Vijayarajah - HSBC Matthew Clark - Mediobanca Farquhar Murray - Bernstein Operator Good day and welcome, everyone, to the KBC Group Earnings Release Third Quarter 2022 Conference Call, hosted by Mr. Kurt De Baenst, Head of Investor Relations. 