Full Year 2023 Bank Rakyat Indonesia (Persero) Tbk PT Earnings Call Transcript
Good morning. We would like to thank you for joining us for Bank Rakyat Indonesia's Full Year 2023 Earnings Call. We would like to begin the meeting now.
First, I would like to introduce the members of our Board of Directors who are joining us today, our CEO, Pak Sunarso; our Vice CEO, Pak Catur; our CFO, Bu Vivi; our Director of Risk Pak Agus Sudiarto; our Director of Micro Pak Supari; Director of Networks, Pak Adrijanto; Director of Consumer, Ibu Handayani; our Director of SME, Pak Amam Sukriyanto; our Director of Corporate, Pak Agus Noorsantos; and our Director of Human Capital, Pak Agus Winardono.
I would like to mention a few points before we get started. First, for everyone joining us on the Zoom call, I would strongly encourage you to download a copy of our presentation materials currently available from either the IR homepage or Bank Rakyat or from the link we sent to you this morning. Second, as this is in a webinar format, for the question-and-answer section, we will invite you as a speaker to the panel. When called upon, we will ask you to please
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