Q3 2021 Moneta Money Bank as Earnings Call Transcript
Dear ladies and gentlemen, welcome to the conference call of MONETA Money Bank. At our customers' request this conference will be recorded. (Operator Instructions) May I now hand you over to Tomas Spurny, Chairman of the Board of Directors, who will lead you through this conference. Please go ahead.
Good morning, ladies and gentlemen. I welcome you on our regular quarterly call. I will refer throughout the presentation to materials that we published this morning on our website, which is titled Third Quarter of 2021 Results.
And if I may ask you to turn to Page #4 to provide you with highlights of our performance year-to-date. MONETA delivered year-to-date net profit of CZK 2.9 billion. This is the result of generating operating income at the level of CZK 8.2 billion. We have incurred operating expenses of CZK 4.1 billion that translates into pre-impairment profit of CZK 4.1 billion, and we have incurred cost of risk at the level of CZK 0.5 billion. Based on trends that
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