Full Year 2021 Cembra Money Bank AG Earnings Call Transcript
Ladies and gentlemen, welcome to the Cembra Full Year 2021 Results Conference Call and Live Webcast. I am Paul, the Chorus Call operator. (Operator Instructions) The conference is being recorded. The presentation will be followed by a Q&A session. (Operator Instructions) The conference must now be recorded for publication or broadcast.
At this time, it's my pleasure to hand over to Mr. Holger Laubenthal, CEO of Cembra Money Bank. Please go ahead, gentlemen.
Yes. Thank you, operator, and good morning, everyone. Pleased to be here. I am here with my partners, Pascal Perritaz, CFO; and Volker Gloe, Chief Risk Officer. We look forward to walking you through this presentation this morning and then also, of course, your questions and look forward to a lively discussion.
So let me start with the overview on the year, and this is really in line with what we presented and discussed in December as well. A few key messages. So first, we obviously have had a challenging
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