Q4 2021 Moneta Money Bank as Earnings Call Transcript
(technical difficulty) regarding full year 2021 results. Please note this conference call will be recorded. (Operator Instructions) May I now hand over to Mr. Spurny, who will lead you through the conference call. Sir, please go ahead.
Good morning, ladies and gentlemen. Let me begin our conference call today. Our presenters today will be Mr. Jan Fricek, Chief Financial Officer; Mr. Carl Normann Vokt, our Chief Risk Officer; and Andrew Gerber, our Chief Product and Marketing Officer.
If I may, I'll ask you to turn to Page 4 of our presentation, the highlights of 2021. We've accomplished to deliver operating revenues of CZK 11.2 billion. Against that, we've incurred operating expenses of CZK 5.5 billion resulting in pre-impairment profit of CZK 5.6 billion. And we had suffered risk charges in the overall amount of CZK 0.7 billion. All of this translates to net profit of CZK 4 billion. So we consider 2021 to be a very good year from perspective -- from 2 perspectives.
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