Q4 2018 Bank of Georgia Group PLC Earnings Call Transcript
Good afternoon, ladies and gentlemen, and thank you for standing by. Welcome to today's fourth quarter 2018 and full year 2018 financial results conference call. (Operator Instructions) I must advise you that this conference is being recorded today, Tuesday, 19th of February, 2019.
I would like to hand the call over to your speaker today, Archil Gachechiladze. Please go ahead, sir.
Thank you very much. Thank you for joining the call. I will give a small overview of the results and then hand it over to the CFO. Since I've been with the bank now for only 3 weeks, so a lot of things are new for me. But over the last decade -- I've joined the bank in 2009, and I've spent about 8 years with the bank since then as the Deputy CEO in charge of different things. So the bank itself is not too new to me.
So we basically had a fourth quarter, which we ended with pretty strong return on equity delivering 26.2% of return on equity for the quarter and 26.1% for the year, which is above our
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