Full Year 2019 Bank Mandiri (Persero) Tbk PT Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to PT Bank Mandiri (Persero) Tbk 2019 Fourth Quarter Results Conference Call. My name is Albert, and I will be your operator for today.
(Operator Instructions) As a reminder, this conference is being recorded for replay purposes.
I would now like to turn the call over to your first speaker today, Yohan Setio. Thank you. Please go ahead.
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Thank you all for joining us. We would like to begin the meeting now.
I would like to mention a few points before we start. First, for those of you joining us on either the webcast or the conference call, I would strongly encourage you to download a copy of our presentation materials currently available either from the Investor Relations home page or from within the webcast itself. Second, in the interest of those analysts and investors joining our conference call or webcast, I'd like to ask all of you in the room to please speak
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