Q4 2018 KBC Groep NV Earnings Call Transcript
Good day, and welcome to the KBC Group Earnings Release Fourth Quarter 2018 hosted by Kurt De Baenst, Head of Investor Relations. My name is Nigel, and I'm your main coordinator. (Operator Instructions) I would like to advise all parties that this conference is being recorded.
And now I would like to hand the call over to Kurt. Kurt, please go ahead.
Thank you, Nigel. A very good morning to all of you from the headquarters of KBC in Brussels, and welcome to the KBC conference call. Today is Thursday, February 14, 2019. We are hosting the conference call of -- on the fourth quarter/full year '18 results of KBC. Today, we have Johan Thijs, Group CEO, with us; as well as Rik Scheerlinck, Group CFO. And they will both elaborate on results and add some additional insights.
As such, it's my pleasure to give the floor to our CEO, Johan Thijs.
Thank you very much, Kurt. Also from my side,
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