Q4 2020 OTP Bank Nyrt Earnings Call Transcript
Dear ladies and gentlemen, welcome to the OTP Bank Fourth Quarter 2020 Conference Call. This conference will be recorded. (Operator Instructions) May I now hand you over to Laszlo Bencsik, Chief Financial and Strategic Officer. Laszlo, please go ahead.
Thank you. Thank you very much. Good morning or good afternoon depending where you are, and thank you very much for joining us today for OTP's Group 2020 Annual and Last Quarter Interim Report Presentation. We're going to proceed as usual. So there's a presentation I'm going to go through, which is available on the website. So hopefully, you've been able to download it, but you can also follow it on the screen now that we use Zoom. And then after the presentation, we will open the floor for questions and we will be able to answer them.
So let's start with the presentation itself. Some highlights -- yes. So if we try to capture the highlights of 2020, it was an extraordinary year. I mean a
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