Jan H. M. Hommen - Chief Executive Officer, Chairman of The Executive Board, Member Management Board Insurance, Member of Management Board Banking, Chief Executive Officer of Ing Bank and Chief Executive Officer of Ing Insurance Matthew J. Rider - Chief Administrative Officer Wilfred F. Nagel - Chief Risk Officer, Member of The Management Board Banking and Member of The Management Board -Insurance Patrick G. Flynn - Chief Financial Officer, Member of Executive Board, Member Management Board Insurance, Chief Financial Officer of Ing Bank and Chief Financial Officer of Ing Insurance Analysts Spencer Horgan - Deutsche Bank AG, Research Division Michael van Wegen - BofA Merrill Lynch, Research Division Michael Huttner - JP Morgan Chase & Co, Research Division Francesca Tondi - Morgan Stanley, Research Division Francois Boissin - Exane BNP Paribas, Research Division Unknown Analyst Farooq Hanif - Morgan Stanley, Research Division Hans Pluijgers - CA Cheuvreux, Research Division William Elderkin - Societe Generale Cross Asset Research Benoit Petrarque - Kepler Capital Markets, Research Division Jan Willem Weidema - ABN AMRO Bank N.V., Research Division William Hawkins - Keefe, Bruyette & Woods Limited, Research Division Federico Salerno - MainFirst Bank AG, Research Division Matthias De Wit - Petercam, Research Division PresentationOperator Ladies and gentlemen, thank you for holding. This is Yvonne, welcoming you to the ING Q1 2012 Conference Call. Before handing this conference over to Mr. Jan Hommen, Chief Executive Officer of ING Groep, let me first say that today's comments may include forward-looking statements such as statements regarding future developments in our business, expectations for our future financial performance and any statement not involving a historical fact. Actual results may differ materially from those projected in any forward-looking statements. A discussion of factors that may cause actual results to differ from those in any forward-looking statement is contained in our public filings, including our most recent annual report on Form 20-F filed with the United States Securities and Exchange Commission, and our earnings press release as posted on our website today. Furthermore, nothing in today's comments constitutes an offer to sell or a solicitation of an offer to buy any securities. Good morning, Jan. I will now hand the conference over to you. Please go ahead.