Q4 2023 ProCredit Holding AG Earnings Call Transcript
Welcome to everybody on this call on the quarter 4 results for the ProCredit Group. My name is Hubert Spechtenhauser. I'm the Chairman of the Management Board. As always, I'm joined by Christian Dagrosa, our Chief Financial Officer. We aim to spend some 40 minutes to cover today's presentation, which has been available since earlier today on our website. We will, of course, give sufficient time for any questions you may have. Let me also provide you with the usual warnings to pay attention to the cautionary statements regarding forward-looking comments that you will find at the end of the results presentation.
With this, let us turn to Slide 1 and outline today's call. I will cover the highlights before Christian addresses the financial performance and major risk indicators in more detail. I will then close the presentation with some remarks on our outlook. From whichever perspective we look at the year 2023, it has been a successful [1, 2 and 3]. Our balance sheet grew by more than 10%,
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