Addiko Bank AG (ADBKF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.820 Ladies and gentlemen, welcome to the publication of the Consolidated Annual Report 2025 00:00:05.820 -- 00:00:09.405 conference call. I'm Lorenzo, the callers' call operator. 00:00:09.405 -- 00:00:13.050 I would like to remind you that all participants will be in listen-only mode and the 00:00:13.050 -- 00:00:17.857 conference is being recorded. The presentation will be followed by a Q&A session. 00:00:17.857 -- 00:00:23.967 You can register for questions at any time by pressing star and 1 on your telephone. 00:00:23.967 -- 00:00:28.010 For operator assistance, please press star and 0. 00:00:28.010 -- 00:00:32.056 The conference must not be recorded for publication or broadcast. 00:00:32.056 -- 00:00:36.502 At this time, it's my pleasure to hand over to Erberk Jurnalnek, CEO. 00:00:36.502 -- 00:00:39.022 Please go ahead, sir. 00:00:41.128 -- 00:00:47.016 Good afternoon, ladies and gentlemen. Let me welcome you to the presentation of the results 00:00:47.016 -- 00:00:52.844 of the business year 25 of Adico Bank on behalf of my colleagues Ganesh Tadej, 00:00:52.844 -- 00:00:58.890 Edgar, and Stefan. We have prepared the following agenda for you. 00:00:59.853 -- 00:01:05.381 I will start with the key highlights and the related achievements of 25. 00:01:05.381 -- 00:01:10.228 After that, I will pass on to Ganesh, who will update you on our results on the business 00:01:10.228 -- 00:01:15.275 side. In the second chapter, Edgar will share insights into our financial 00:01:15.275 -- 00:01:16.737 performance, 00:01:16.737 -- 00:01:20.947 while Tadej will outline the progress made in the risk area. 00:01:20.947 -- 00:01:26.675 At the end, I will present to you the cornerstones of our new midterm specialization 00:01:26.675 -- 00:01:31.322 p...