Q2 2020 Bank of the Philippine Islands Earnings Call Transcript
Okay. Good afternoon, ladies and gentlemen, and welcome to BPI's second quarter earnings call. I'm Chinky Lukban. I'm the Head of our Corporate Strategy and Investor Relations. I am pleased to introduce this afternoon's speakers. With us today is BPI President and Chief Executive Officer, Cezar "Bong" Consing; and our Executive Vice President and Chief Financial Officer, Tere Marcial. We will start with a few words from Mr. Consing on the second quarter results of 2020, and Ms. Marcial will briefly go through the presentation deck that was sent out earlier. Thereafter, we will have a Q&A session. (Operator Instructions) Bong?
Thank you, Chinky. Good afternoon, everybody.
The first quarter -- the first half, and I prefer to speak of business in the first half, is really one where the core business, especially our core intermediation business, did pretty well, where our
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