Full Year 2018 Kruk SA Earnings Call Transcript

Mar 08, 2019 / 02:00PM GMT
Operator

Ladies and gentlemen, welcome to KRUK Full Year 2018 Results Conference Call.

I will now hand you over to Marta Jezewska-Wasilewska from WOOD & Company. Madam, please go ahead.

Marta Jezewska-Wasilewska - WOOD & Company Financial Services, a.s. - Co-Head of Research

Good afternoon, and good morning, everybody. My name is Marta Jezewska-Wasilewska, and I have a pleasure to host this conference call. KRUK management board represented by Mr. Michal Zasepa, CFO of KRUK, will discuss 2018 results. Sir?

Michal Zasepa - KRUK Spólka Akcyjna - CFO and Member of the Management Board

Thank you very much, Marta. Good morning, good afternoon, everyone. Thank you for dialing to this conference. I will be using a presentation that was made available earlier today and referring to subsequent slides I'm discussing.

I'm now at Slide #3. We are -- we have completed 2018 with 12% net income growth and maintaining return on equity of 19%. That is, overall, a good result, I believe. However, it

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