Alior Bank S.A. (ALORY) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:01.694 Ladies 00:00:01.694 -- 00:00:05.041 and gentlemen, may I welcome everyone cordially. 00:00:05.041 -- 00:00:10.252 My name is Dominik Prokop. I represent the Investment Relations Department. 00:00:10.252 -- 00:00:15.402 This is a conference devoted to results of the fourth quarter 00:00:15.402 -- 00:00:18.769 as well as the whole of 2025. 00:00:18.769 -- 00:00:23.937 The first part of the meeting will be devoted to the results of the bank 00:00:23.937 -- 00:00:27.221 as well as the trends. 00:00:27.221 -- 00:00:32.367 And this will be headed by the president, Piotr Żabski, who will sum up the most 00:00:32.367 -- 00:00:36.331 important trends and will tell us about the results in the business area. 00:00:36.331 -- 00:00:41.397 We will have also Marcin Ciszewski, who will present the risk, and Zdzisław 00:00:41.397 -- 00:00:45.621 Wojtara, deputy president, who will tell us about finance. 00:00:45.621 -- 00:00:50.985 After the presentations, we will then have a Q&A Before 00:00:51.330 -- 00:00:56.683 I hand over to President Żabski, let me encourage all of you who are listening 00:00:56.683 -- 00:01:01.895 to us to ask questions already in the first part of the presentation, which will 00:01:01.895 -- 00:01:06.586 enable us to smoothly continue with the Q&A. 00:01:06.586 -- 00:01:10.551 that is all from me i hand over to president 00:01:10.551 -- 00:01:15.799 ladies and gentlemen good morning may i welcome everyone cordially at 00:01:15.799 -- 00:01:17.799 the 00:01:18.182 -- 00:01:19.664 results 00:01:19.664 -- 00:01:24.751 publication the supervisor board approved our financial statement yesterday 00:01:24.751 -- 00:01:29.457 so we can tell you about what has happened in the fourth quarter of 2025 but also in 00:01:29.457 -- 00:01:...