...Good morning and welcome to Nordea's Fourth Quarter and Full Year 2022 Results Presentation. Present here today, we have our Group CEO, Frank Vang-Jensen; Group CFO, Ian Smith; and my name is Matti Ahokas from Investor Relations. As usual, we'll start with a presentation by Frank and after that, you will get a chance to ask questions. To ask a question, please register for the webcast. And now, I'll leave the word to our CEO, Frank Vang-Jensen. Frank Vang-Jensen ...