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Q4 2019 Bank of Cyprus Holdings PLC Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. I'm Myrtle, your Chorus Call operator. Welcome, and thank you for joining the Bank of Cyprus conference call to present and discuss the group financial results for the year ended 31st December 2019.
At this time, I would like to turn the conference over to Mr. Panicos Nicolaou, Chief Executive Officer; Ms. Eliza Livadiotou, Executive Director of Finance; Mr. Demetris Demetriou, Chief Risk Officer; Mr. Panicos Mouzouris, Executive Director, RRD; Ms. Anna Sofroniou, Executive Director, Real Estate Management Unit; Mr. Nick Smith, Executive Director of Corporate Finance Solutions; and Ms. Annita Pavlou, Manager, Investor Relations.
Mr. Nicolaou, you may now proceed.
Thank you, Myrtle. Good morning, everyone. Thank you, and welcome to the 2019 Bank of Cyprus Full Year Results. I hope everyone is safe and healthy. Under normal circumstances, our team and I will start presenting you the results of what has
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