Full Year 2019 Standard Bank Group Ltd Earnings Call Transcript
Good morning, ladies and gentlemen. On behalf of the Standard Bank Group Board of Directors, the group ExCo, and all of us at Standard Bank, welcome to the 2019 results presentation. A particular welcome if this is your first Standard Bank results presentation. If the Standard Bank group is new to you, we hope that this slide will be a useful summary.
The key to understanding this group of companies is our purpose: Africa is our home, we drive our growth. Everything we do emerges from this simple statement of intent.
2019 was, of course, a very difficult year for the world economy. Sub-Saharan Africa, however, continued to be a bright spot, one of the world's fastest-changing and fastest-growing regions. The regulatory and business environments for financial services in Africa also continued to develop and change rapidly over the year.
On the positive side, we welcomed the ratification of the African Continental Free Trade Agreement and the removal of interest rate caps in Kenya. On
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