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Q4 2019 Mediobanca Banca di Credito Finanziario SpA Earnings Call Transcript
Good afternoon, ladies and gentlemen, and thank you for standing by. Welcome to today's Mediobanca 2018 to 2019 Full Year Results Conference Call. (Operator Instructions). I must advise you that this conference is being recorded today, Wednesday, the 31st of July, 2019.
I would now like to hand the conference over to your speaker today, Alberto Nagel. Please go ahead, sir.
Thank you for joining this full year call. It's fair to say that at the start of last year, the one that we are commenting, all the macro environment, in which banks are operating, severely deteriorated for Italy for govies spread, deteriorated for uncertainty of macro, lower expectation or revised downward expectation of GDP growth. And at the end, a steep decrease in interest rates. All this was -- is still very negative for banks, but not that much negative to prevent Mediobanca to record all-time high revenue, GOP, return on tangible equity and CET1.
Growth in revenue has been 4%
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