Jan 31, 2023 / 09:00AM GMT
Operator
Good morning, ladies and gentlemen. Before I hand over to Magda Palczynska, Head of Investor Relations, a reminder that today's call is being recorded.
Madam, you may begin.
Magda Palczynska - UniCredit S.p.A. - Head of Group IR
Good morning, and welcome to UniCredit's Fourth Quarter 2020 Results Conference Call.
Andrea Orcel, our CEO, will lead the call. Then Stefano Porro, our CFO, will take you through the financials in more detail. Following Andrea's closing remarks, there will be a Q&A session. (Operator Instructions)
With that, I will hand over to Andrea.
Andrea Orcel - UniCredit S.p.A. - CEO, Head of Italy & Director
Thank you, Magda. Good morning, and thank you for joining us. Before I start, I would like to thank all our colleagues that have gotten us to this, often going through grinding obstacles and seeing it through. It's very much appreciated.
2020 was a challenging year for people across the world, not least the clients and the communities we serve. Against
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