Full Year 2020 Cembra Money Bank AG Earnings Call Transcript
Ladies and gentlemen, welcome to the Cembra Full Year 2020 Results Conference Call and Live Webcast. I am Paolo, the Chorus Call operator. (Operator Instructions) And the conference is being recorded. The presentation will be followed by a Q&A session. (Operator Instructions) The conference must not be recorded for publication or broadcast.
At this time, it's my pleasure to hand over to Mr. Robert Oudmayer, CEO; Mr. Pascal Perritaz, CFO; and Mr. Volker Gloe, CRO of Cembra Money Bank. Please go ahead, gentlemen.
Yes. Thank you, Paolo, and good morning, everyone. I'm here with Pascal and Volker to talk about the 2020 results. And let's just start immediately with the 2020 highlights. I will talk a bit about the highlights, and then Pascal and Volker will talk about the financial results, and I will come back to you then on the outlook. And then, of course, as always, we have the Q&A.
If you look at the 2020 highlights, our net income was CHF 152.9 million, which was a reduction of 4%
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