Q3 2023 Bank of the Philippine Islands Earnings Call Transcript
Good afternoon, ladies and gentlemen welcome to our earnings call to discuss BPI's results for the third quarter and 9-months period of 2023. This is Chinky Lukban your moderator for this (inaudible). I am pleased to introduce you to our speakers and panelists this afternoon. First of all, TG Limcaoco, President and CEO; Eric Luchangco, our Chief Finance Officer; Ginbee Go, Head of Consumer Banking; Tere Marcial, Head of Wealth Management; Jojo Ocampo, Head of Mass Retail Products; John C Syquia, Head of institutional banking.
We also acknowledge the presence of the rest of the BPI leadership team joining us on this call. This afternoon's agenda will begin with opening remarks from our President, TG Limcaoco, followed by our CFO, Eric Luchangco, who will walk you through this quarter's performance highlights and strategic updates. The floor will then be open to questions from the audience.
Just some housekeeping reminders before you proceed, please identify yourself by your name and company, so
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