Full Year 2018 Kruk SA Earnings Call Transcript
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.
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?
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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