Preliminary Q4 2020 Banca Transilvania SA Earnings Call Transcript
Dear ladies and gentlemen, welcome to the conference call of Banca Transilvania regarding the preliminary financial results 2020. At our customers' request, this conference will be recorded. (Operator Instructions)
May I now hand over to Mr. Tetik, who will lead you through this conference. Please go ahead, sir.
Hello. Good afternoon or good morning. Thank you for joining us at this call where we will try to give some guidance and clarity about our 2020 and, definitely, we'll try to answer your questions. I will not -- I don't want to enter into very deep details of macroeconomic development or banking system, unfortunately, during 2020. And for some of us, even until now, in 2021, we have been staying at home a lot and reading a lot. So I'm sure that you are following all the developments very carefully. But also, just to have a good start to our presentation, I would like to give some basic highlights about Romania.
Definitely, last year was atypical year for any country, any industry, any bank for
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