Q3 2022 Moneta Money Bank as Earnings Call Transcript
Dear ladies and gentlemen, welcome to the Conference Call of MONETA Money Bank regarding the Third Quarter of 2022 Financial Results. Please note that this conference call will be recorded. This event will have a live presentation followed by a Q&A session. (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, Tomas Spurny speaking. I have MONETA's management with me, and we will walk you through the presentation. I'll make the opening remarks.
So if we start on Page 2, MONETA's performance for the 9 months, we delivered net profit of CZK 4.1 billion. This actually exceeds the operating plan of the bank. It also exceeds in a way the initial guidance that we've provided. And thirdly, we believe that we have met and exceeded the analyst consensus. The net profit is constituted by operating income at the level of CZK 9.1 billion. where we garnered growth of 11.6
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