Preliminary Q4 2022 Banca Transilvania SA Earnings Call Transcript
(Operator Instructions) Ladies and gentlemen, thank you for standing by. I am Sabrina, your (inaudible) call operator. Welcome, and thank you for joining the Banca Transilvania conference call to present and discuss the 2022 Annual Preliminary Financial Results Conference Call. (Operator Instructions) The conference is being recorded. (Operator Instructions) At this time, I would like to turn the conference over to Mr. Omer Tetik, CEO; Mr. George Calinescu, Deputy CEO, CFO; Ms. Luminita Runcan, Deputy CEO, CRO; and Ms. Diana Mazurchievici, Deputy Director, Head of ESG and Investor Relations. Mr. Tetik, (Operator Instructions)
Hello. Good afternoon, or good morning. Thank you for joining us for presentation of end of 2022 numbers. I guess for everyone, it was an interesting year with a lot of challenges out of, let's say, more swings than expectation modifications. But at the end of the year financially, commercially, as it happens for most of our other peers or also our customers, it has been, at least for the bottom
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