Full Year 2022 Bank Mandiri (Persero) Tbk PT Earnings Call Transcript
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Good evening, ladies and gentlemen. Welcome to PT Bank Mandiri's Fourth Quarter '22 Results Briefing and thank you all for joining us today. My name is Laurensius, Head of Investor Relation. And together with us today, we have Pak Darmawan, our CEO; Ibu Alexandra, our Vice CEO; Pak Siddik, our Chief Risk Officer; Pak Panji, our Treasury Director; Pak Sigit, our CFO; and Pak Tim, our IT Director.
Before we start, I strongly encourage you to download both our presentation material and financial statement currently available on the Investor Relation web page of Bank Mandiri. (Operator Instructions)
Now to start, I'd like to hand the presentation to Pak Darmawan, our CEO. Please, Pak Darmawan. Thank you.
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Thank you, Lau. Good afternoon, everyone. Let me start the discussion from the macro side. The left
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