Alpha Services and Holdings S.A. (ALBKY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.614 Ladies and gentlemen, thank you for standing by. 00:00:02.614 -- 00:00:07.780 I am Yoda Yokoro's call operator. Welcome and thank you for joining the Alfa 00:00:07.780 -- 00:00:13.768 Bank conference call to present and discuss the full year 2025 financial results. 00:00:13.768 -- 00:00:18.273 All participants will be in a listen-only mode and the conference is being recorded. 00:00:18.273 -- 00:00:22.318 The presentation will be followed by a question and answer session. 00:00:22.318 -- 00:00:26.784 Should anyone need assistance during the conference call, you may signal an operator 00:00:26.784 -- 00:00:29.866 by pressing star and zero on your telephone. 00:00:29.866 -- 00:00:34.491 At this time, I would like to turn the conference over to Alfa Bank Management. 00:00:34.491 -- 00:00:37.753 Gentlemen, you may now proceed. 00:00:37.755 -- 00:00:41.219 Hello, everyone. This is Iasson Kepap-Tsoglu, Alfa Bank's head of IR. 00:00:41.219 -- 00:00:44.704 Welcome to the presentation of our full year results. 00:00:44.704 -- 00:00:48.889 Vassilios Psaltis, our CEO, will lead the call as ever with a short summary. 00:00:48.889 -- 00:00:53.214 And then it's over to Vassilis Kosmas, our CFO for the numbers. 00:00:53.214 -- 00:00:56.578 Q&A will come at the end of the call, and we should wrap up within the hour. 00:00:56.578 -- 00:00:58.520 Vassili, over to you. 00:00:58.520 -- 00:01:01.344 Good morning, everyone, and thank you for joining our call. 00:01:01.344 -- 00:01:06.492 Let's start with an overview of 2025 on slide four, please. 00:01:06.492 -- 00:01:10.839 For 2025, we recorded 943 million euro profits. 00:01:10.839 -- 00:01:16.787 This is up 44% versus last year. On a normalized basis, profits stood at 907 00:01:16.787 -- 00:01:20.65...