Komercni Banka As (KMERF) Q4 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

You've been muted. To unmute yourself, press star six. Welcome from Komerschny Banka and thank you for sharing your time with us today. It is the 6th of February 2025 and we are going to discuss the results of Komerschny Banka Group for the full year and the fourth quarter of 2024. Please note that this call is being recorded. Our speakers today will be Jan Juchelka, Chairman of the Board and CEO of Pomerční banka, Jiří Šperl, Chief Financial Officer and Didier Collin, Chief Risk Officer. Standing by in case of your questions are Jitka Halbová, Chief Operating Officer, Margo Simpson, Chief Digital Officer, Miroslav Hirschl, Head of Retail Banking and David Formanek, Head of Corporate and Investment Banking. As usually, we will begin with the presentation of results, which will be later followed by questions and answers session. During the presentation part, all participants will be on a listen-only mode. We would appreciate if you could keep your microphones muted during the time. And now let me ask the CEO, Jan Juchelka, to begin the presentation. Thank you. All right. Thank you, everyone. Sorry, I have an issue. Can you please unmute yourself? Sorry, did you hear anything or nothing? Nothing, nothing. All right, so I will repeat my opening speech. Thank you very much. Welcome everyone. Thank you for giving us the opportunity to stay in front of you together with the leadership team of Komachi Banka and read you through the presentation of Q4 2024 results and the entire year 2024 results. Before we jump into the pages, just let me say that we highly appreciate your work when covering KB shares and also having the opportunity to see the reaction of the market on today's presentation. We are very glad for this level of trust. Speaking about Commercing Banka in 2024, w...