Q4 2020 Credito Emiliano SpA Earnings Call Transcript
Good morning. This is the chorus call operator. Welcome to Credem's preliminary 2020 results presentation -- preliminary results. (Operator Instructions)
Let me now hand the conference over to the General Manager, Mr. Gregori, Nazzareno Gregori.
Good morning. Thank you. Good morning to all of you, and thanks for logging in. We've just closed the year that we surely won't forget. 2020 really upturned everyone's lives, and we would never have imagined it, and we were met with a huge challenge of a dramatic change. And the effect on the economy were very, very fast and very far reaching, and they still require a strong ability to adapt a strong flexibility, not to be passive when faced with this deep transformation, but at the same time, to turn this transformation into an opportunity.
We went through an emergency, and that really highlighted, and the sense of responsibility our people have and the attitude they have towards innovation. Thanks to the investments we made in the past,
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