Q2 2021 mBank SA Earnings Call Transcript
Ladies and gentlemen, welcome to this conference that will present the results of mBank Group in the second quarter 2021. The results will be presented as usually by our Chief Executive Officer, Mr. Cezary Stypulkowski; our Chief Financial Officer, Mr. Andreas Böger; and Chief Risk Officer, Mr. Marek Lusztyn. Marcin Mazurek will present the macroeconomic overview. (Operator Instructions)
Cezary, the floor is yours.
Okay. So these are the results post second quarter. We have to remember that the second quarter of 2020 was basically the peak of the pandemic year -- not the pandemic, but fears were all around. And I think that, that was the -- through lockdown at that time. So obviously, there is a base to which we have to refer plus in the second quarter of last year, we had the 2 steps of the interest rate lowering which, obviously, impact to some extent, also the comparisons between both
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