Q4 2021 OTP Bank Nyrt Earnings Call Transcript
Dear ladies and gentlemen, welcome to the OTP Bank First Quarter and Full Year 2021 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.
Okay. I was not -- okay. Sorry. I wasn't unmuted. So thank you. Good morning or good afternoon, depending where you are, and thank you very much for joining us today on OTP Group 2021 fourth quarter and annual results presentation and Q&A, hopefully. Thank you that you dedicate your precious time in these turbulent times of today, especially. And as usual, we have this presentation on the website available. And also, since we are doing it through Zoom app, we can hopefully see it on the screen as well.
As usual, I will go through it, but rather briskly, I guess, this case because I'm sure most of your interest today is not around what we did last year. However,
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