Q4 2019 Bank Hapoalim BM Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. Welcome to Bank Hapoalim Fourth Quarter and Full Year 2019 Results Conference Call. For your convenience, this call will be accompanied by a PowerPoint presentation. May we suggest, if you have not yet done so, that you access the presentation on the bank's website at www.bankhapoalim.com, by clicking on the Financial Information on the homepage and then click on the Annual Report presentation. (Operator Instructions) As a reminder, this conference is being recorded, March 19, 2020.
With us on the line today are Mr. Oded Eran, Chairman of the Board of Directors; Mr. Dov Kotler, CEO of Bank Hapoalim; Mr. Ram Gev, Chief Financial Officer; Mr. Ofer Levy, Chief Accountant; and Ms. Karen Mazor, Head of Investor Relations. I would like to remind everyone that forward-looking statements for the respected company's business, financial condition and the results of its operations are subject to risks and uncertainties that could cause actual results to differ materially from those
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