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Q4 2018 Commerzbank AG Earnings Call Transcript
Good morning, ladies and gentlemen, and welcome to the Commerzbank AG conference call. Please note that this call is being transmitted as well as recorded by audio webcast and will subsequently be made available for replay in the Internet. (Operator Instructions) Let me now turn the floor over to Stephan Engels.
Good morning, ladies and gentlemen. Welcome to our conference call on the results of the fourth quarter and the full year 2018.
Since 2018 marks the halfway point of Commerzbank 4.0, let me start by assessing our progress on the 3 cornerstones of our strategy.
First, simple. We have successfully transformed and refined our business model towards a clearly customer-driven commercial bank. In PSBC, we have completely overhauled our approach to consumer finance and set up a dedicated business unit to address more business customers, both are important prerequisites for continued growth.
In Corporate Clients, we have successfully integrated our investment
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