Q4 2021 Banque Saudi Fransi SJSC Earnings Call Transcript

Feb 23, 2022 / 01:30PM GMT
Ryan Ayache - Banque Saudi Fransi - Head of IR

Welcome, everybody, to our earnings call for Q4 and FY 2021. I know for many of you, this is the second earnings call of the day. So, we're thankful for your time and your attention span. We'll try to do things slightly differently today and focus more on the outlook, and so gives you a bit more time for the Q&A. And in addition to that, let me take the opportunity to welcome Sander, who is our freshly arrived Deputy CFO. This is literally week two, but don't feel like you need to pull your punches. He is sharp and on top of things. So, it's a good opportunity for us to introduce Sander.

Without further ado, let me hand over to our MD and CEO, Mr. Rayan Fayez, and I look forward to catching up with you for any follow up. Thank you.

Rayan Fayez - Banque Saudi Fransi - MD, CEO

Thanks, Ryan, and thank you, everyone, for attending today's call. This is to walk you through Q4 and full-year numbers and clearly go through some of the guidance and what you see at a macro level in the market.

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