Operator Good morning. This is the conference operator. Welcome, and thank you for joining Credit Suisse Group's Full year and Fourth Quarter 2020 Results Conference Call for analysts and investors. [Operator Instructions] and the conference is recorded. [Operator Instructions]. I will now turn the conference over to Kinner Lakhani, Head of Investor Relations and Group Strategy and Development. Please go ahead, Kinner. Kinner Lakhani -- Head of Group Strategy & Development Thank you, operator. Before we begin, let me remind you of the important cautionary statements on slides two and three, including in relation to forward-looking statements, non-GAAP financial measures and Basel III disclosures. For a detailed discussion, we refer you to the Credit Suisse Fourth Quarter 2020 Earnings Release, published this morning. Let me remind you that our 2020 annual report and audited financial statements for the year will be published on or around March 18, 2021. I will now hand over to our group CEO, Thomas Gottstein; and our group CFO, David Mathers, who will run through the numbers.