Alior Bank S.A. (ALORY) Q3 2025 Earnings Call

Investor webinar replay

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WEBVTT 00:00:00.031 -- 00:00:01.514 Good 00:00:01.514 -- 00:00:02.817 morning. 00:00:02.817 -- 00:00:04.560 My name is Dominik Prokop. 00:00:04.560 -- 00:00:07.527 I am the Head of Investor Relations. 00:00:07.527 -- 00:00:12.753 Welcome to this conference presenting Allure Bank's Q3 2025 00:00:14.080 -- 00:00:15.944 results. 00:00:15.944 -- 00:00:21.112 In the first part, the results and the 00:00:21.112 -- 00:00:25.479 trends will be presented by all your board members. 00:00:25.479 -- 00:00:30.546 Piotr Żabski, CEO, will present the main trends and discuss the 00:00:30.546 -- 00:00:32.730 business performance. 00:00:32.730 -- 00:00:38.058 VP Marcin Ciszewski will speak about risk and VP Zdzisław 00:00:38.058 -- 00:00:38.759 Wojtera 00:00:38.759 -- 00:00:44.145 Speaking about financial results, right after the presentations, 00:00:44.145 -- 00:00:50.131 we will move right into your questions. Before I hand over to our CEO, 00:00:50.131 -- 00:00:51.533 Piotr, 00:00:51.533 -- 00:00:58.300 I urge and encourage all of you to ask your questions even during the presentations. 00:00:58.300 -- 00:01:03.446 Just like every quarter, this will allow us to smoothly segue into the 00:01:03.446 -- 00:01:06.822 Q&A. Thank you, and over to Piotr. 00:01:06.822 -- 00:01:10.468 Good morning and 00:01:10.468 -- 00:01:15.797 welcome to yet another presentation of our quarterly results. 00:01:15.797 -- 00:01:21.127 Yesterday the Supervised Report approved our results and it is our pleasure 00:01:21.127 -- 00:01:24.970 to present them today. To 00:01:25.374 -- 00:01:29.658 present our Q3 performance and the 00:01:29.781 -- 00:01:34.236 results year to date. Before 00:01:35.745 -- 00:01:40.818 I move to the highlights, I'd like to 00:01:40.818 -- 00:01:45.910 first talk about our strategy...