Akbank T/A/S S/Adr (AKBTY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.035 Dear friends, this is Kaan speaking. Thank you for joining us. 00:00:04.035 -- 00:00:09.100 I hope you are all well. Today, we will first walk you through our 00:00:09.100 -- 00:00:14.106 financial performance underpinned by disciplined balance sheet management, 00:00:14.106 -- 00:00:19.131 strong fee momentum, resilient capital metrics, and continued progress 00:00:19.131 -- 00:00:22.094 across our strategic priorities. 00:00:22.094 -- 00:00:27.219 Our earnings reflect not only the current operating environment, but also 00:00:27.219 -- 00:00:30.946 the structural strengths of our business model. 00:00:30.946 -- 00:00:36.555 Building on this performance, we will share our guidance for the years ahead, 00:00:36.555 -- 00:00:40.701 shaped by a prudent assessment of the operating environment. 00:00:40.701 -- 00:00:45.769 Our focus remains on risk-adjusted returns reflecting our commitment to sustainable 00:00:45.769 -- 00:00:47.232 profitability 00:00:47.232 -- 00:00:49.616 and prudent risk management. 00:00:49.616 -- 00:00:54.824 At the same time, we will frame these near-term priorities within 00:00:54.824 -- 00:01:00.007 our three-year outlook, where we see clear opportunities to reinforce 00:01:00.007 -- 00:01:02.010 earnings durability, 00:01:02.010 -- 00:01:06.914 enhance efficiency, and deepen customer penetration. 00:01:06.917 -- 00:01:12.244 Our direction remains centered on executing today while positioning 00:01:12.244 -- 00:01:18.130 the bank for consistent and profitable growth over the coming years. 00:01:18.333 -- 00:01:23.420 Dear friends, before moving on to our bank, I would like to briefly touch upon 00:01:23.420 -- 00:01:26.682 the operating environment. 00:01:26.802 -- 00:01:31.808 Global financial conditions and...