Full Year 2018 BAWAG Group AG Earnings Call Transcript
Good day, ladies and gentlemen, and welcome to BAWAG Group Preliminary Full Year 2018 Earnings Call. (Operator Instructions) As a reminder, this conference is being recorded, and a replay as well as a transcript thereof will be available on BAWAG Group's website.
I would now like to turn the conference over to Anas Abuzaakouk, Chief Executive Officer. Please go ahead, sir.
Thank you. Good morning, everyone. I hope everyone is doing well. I'm joined this morning by Enver, our CFO.
So let's jump right into it on Slide 3. 2018 was another record year for BAWAG Group. We delivered profit before tax of EUR 573 million, which is up 14% versus the prior year. And most importantly, we exceeded all of our 2018 targets. In addition to delivering on our financial commitments, we continued to execute on our strategy and transform our business. We made significant progress in executing on Concept 21, which is the BAWAG P.S.K. retail transformation. We also signed 3 retail
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