Q4 & FY 2019 Sberbank Rossii PAO Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to the Sberbank 2019 IFRS Results Call hosted by Sberbank management team. There will be a presentation followed by a Q&A session for analysts and investors first and a Q&A session for journalists afterwards. (Operator Instructions) I must advise you that this conference is being recorded today, February 27, 2020.
I would now like to hand the conference over to Ms. Anastasia Belyanina, Head of Investor Relations. Please go ahead.
Thank you, operator. Thank you very much. Thank you, everybody, for staying with us and taking the time to join us for this results call dedicated to our financial results 2019. We have today a very senior team with us, we're -- headed by our CEO, Mr. Herman Gref. We have our First Deputy Chairman, Alexander Vedyakhin. We have Deputy Chairman of the Board, Bella Zlatkis. We have CTO of the Sberbank Group, Executive Vice President, Head of Block T, David Rafalovsky. We have our regular speaker, our CFO,
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