...Operator Ladies and gentlemen, welcome. Welcome to the Cembra Full Year 2022 Results Conference Call and Live Webcast. I am Sandra, the Chorus Call operator. (Operator Instructions) The conference must not be recorded for publication or broadcast. At this time, it's my pleasure to hand over to Mr. Holger Laubenthal, CEO; Mr. Pascal Perritaz, CFO; and Mr. Volker Gloe, CRO of Cembra Money Bank. Please go ahead, gentlemen. Holger Laubenthal ...