Full Year 2023 Cembra Money Bank AG Earnings Call Transcript
Ladies and gentlemen, welcome to the full-year 2023 results conference call and live webcast. I am Alice, the Chorus Call operator. (Operator Instructions) And the conference is being recorded. (Operator Instructions)
At this time, it's my pleasure to hand over to Mr. Holger Laubenthal, CEO. Please go ahead, sir.
Yes. Thank you, operator, and good morning, everyone. Welcome to the call, the presentation for full-year results 2023. I'm here with our CFO, Pascal Perritaz; our CRO, Volker Gloe. And as usual, we'll be walking through the presentation here and then look forward to your questions.
So the first page, look, we're two years into the strategy that we communicated to you and shared with you in December '21, and we wanted to give you an update in terms of where we stand. So a few key messages here for you.
Firstly, solid results in '24 with net income at CHF158 million, down versus last year, but a good pickup in the second half. We're quite pleased with the 3%
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