Q4 2022 Banco Comercial Portugues SA Earnings Call Transcript

Feb 12, 2024

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Feb 28, 2023 / 02:00PM GMT
Operator

Good day, and thank you for standing by. Welcome to the Millennium BCP 2022 Earnings Conference Call. (Operator Instructions) Please be advised that today's conference is being recorded.

I would now like to hand the conference over to your speaker today, Mr. Miguel Maya. Please go ahead.

Miguel Maya Dias Pinheiro - Banco Comercial PortuguÃªs, S.A. - 3rd Vice Chairman, CEO & Member of Board for Strategic Board

Good afternoon, Miguel Maya speaking. Welcome to BCP earnings conference call. As usually, I will mention the highlights of our performance and then Miguel Braganca and Bernardo CollaÃ§o will follow providing additional detail.

It is well known that 2022 was a complex year. On top of the pandemic effect on global economies, the turmoil caused by Ukraine's invasion by Russia, the high inflation and the swift correction in monetary policy, some unexpected adversities with significant economic impact emerged in Poland, namely the enforceability of credit holidays on mortgage, which by itself made the Bank Millennium to bridge capital

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