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Q4 2020 Bank of the Philippine Islands Earnings Call Transcript
I think we can start. We have a good number on the line. Good afternoon, ladies and gentlemen. Welcome to BPI's Fourth Quarter 2020 Earnings Call. This is Chinky Lukban, Head of BPI Corporate Strategy, Investor Relations and Sustainability. I am pleased to introduce our speakers for this afternoon. With us today, we have our BPI President and Chief Executive Officer; Cezar "Bong" Consing; and Executive Vice President and Chief Finance Officer, Tere Marcial. We will start with a few words from Mr. Consing on the full year results of 2020, and Ms. Marcial will walk us through the presentation that we just sent out earlier. We will then have a Q&A session and wrap up with some final thoughts from Mr. Consing. (Operator Instructions)
Bong, please go ahead.
Thank you, Chinky. Good afternoon, everybody, and thank you for joining our call. Yesterday, you would have noticed that the Philippine GDP
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