Q4 2022 Eurobank Ergasias Services and Holdings SA Earnings Call Transcript
Ladies and gentlemen, thank you for standing by. I am Konstantinos, your Chorus call operator. Welcome, and thank you for joining the Eurobank Holdings conference call to present and discuss the full year 2022 financial results.
At this time, I would like to turn the conference over to Mr. Fokion Karavias, CEO. Mr. Karavias, you may now proceed.
Thank you. Ladies and gentlemen, good afternoon, and welcome to our call. Together with me is our CFO, Harris Kokologiannis, and the Investor Relations team.
Before we start, I would like to say that we all at Eurobank are devastated by the recent railway tragic event and express our deep grief and condolences to the families of those lost. I will start the call with a quick review of the 2022 performance and then focus on our business plan and the financial targets for the year 2023-'25. Harris will give you more details on the business drivers for the 3 year period. Finally, we will answer your question.
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