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Q4 2019 Eurobank Ergasias SA Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. I am Gelli, your Chorus Call operator. Welcome, and thank you for joining Eurobank Ergasias conference call to present and discuss the full year 2019 results and business update 2020-2022. (Operator Instructions) And the conference is being recorded. (Operator Instructions)
At this time, I would like to turn the conference over to Mr. Fokion Karavias, CEO. Mr. Karavias, you may now proceed.
Thank you. And ladies and gentlemen, good afternoon, and welcome to our call. Let me start with our agenda for today. Our Chief Financial Officer, Harris Kokologiannis, will give you an overview of the full year 2019 results. But first, I would like to update you about our targets in 2020 and the outlook for the next 3-year period.
The coronavirus outbreak has materially changed the conditions during the past few days. But considering the completion of our transformation plan, we consciously
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