Tom de Swaan Ladies and gentlemen, dear shareholders and depository receipt holders, I'm pleased to open this meeting. Welcome to this General Meeting of Shareholders. As usual, I'll tell you everybody who is present on behalf of the bank. And on behalf of the Supervisory Board, the entire Supervisory Board is present. I'm the Chairman. To my left is Michiel Lap is Vice Chair of the Supervisory Board and Chair of the Risk and Capital Committee. This is Laetitia Griffith, Daniel Hartert, Mariken Tannemaat; Sarah Russell, who chairs the Audit Committee; Femke de Vries as Chair of the Supervisory Sustainability Committee; and myself, I'm the Chair of the Supervisory Board and also of the Selection and Nominations Committee. On behalf of the Executive Board, the following Board members are present. Some are facing you on the stage, others are elsewhere in the room. To my right is Marguerite Berard, CEO; Ferdinand Vaandrager, CFO; Serena Fioravanti, Chief Risk Officer.…