Q4 2018 OTP Bank Nyrt Earnings Call Transcript
Good day, and welcome to the OTP Bank Q4 2018 Conference Call. Today's conference is being recorded, and at this time, I would like to turn the conference over to Simon Nellis. Please go ahead, sir.
Thank you. Hello, everyone online. I'm Simon Nellis at Citibank. I head up the senior bank's research team here. We are very honored to be hosting OTP's full year 2018 results conference call, and I'll hand over the call to Mr. László Bencsik, the Chief Strategic and Financial Officer.
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Thank you, Simon. So, good morning or good afternoon to everyone, depending where you are, and thank you very much for joining us today to the annual numbers presentation of OTP Group. The presentation I'm going to use, the material is available on the website since morning, since a few hours. I hope all of you have been able to download it, and you can follow me, as
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