Erste Bank Polska Sa (BKZHF) Q4 2021 Earnings Call

Investor webinar replay

Replay transcript excerpt

I would like to welcome you at the presentation of financial results, preliminary non-audited financial results for 2021. Today's presentation will be given by our CEO Michał Gajewski Maciej Luga, the CFO, is present with us, as well as Wojciech Skalski, who is in charge of the financial accounting area. President, over to you in a minute. But let me just tell you that you can send your question to my email address, or if you use the audio webcast to the link, that leads to the question side. CEO, over to you. Thank you, Agnieszka. Good morning once again. Let me welcome you at the summary of our non-audited financial results for 2021. From the point of view of the Management Board, we can say that Our last year was really good in terms of core banking business. Of course, the pandemic impacted our performance as the group, though, to a lesser extent than last year. We responded to that development on the market. Of course, there were also some sector-wide challenges. And we, of course, took relevant actions in that case. We hope that upcoming months will fuel business growth and that the credit volumes will gain the momentum, that the demand for loans will be higher than last year. Now let me move to our performance. Let's start with slide number eight. Numbers of clients. We service more than 7 million clients, 5.4 million of which in Santander Bank Polska. Together with consumer, we have more than 3.2 million digital clients, which is a growth by 10% year on year. When it comes to active mobile users, we have 20% more of these clients. because we have nearly 2.4 million of such clients now. Deposits. The deposit portfolio was higher than 185 billion slots, increasing 8% year-on-year. Growth loans increased by 4% up to 154 billion slots. Assets grew by 7% up to 245...