ASR Nederland N.V. (ARNNY) Q4 2025 Earnings Call

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WEBVTT 00:00:01.617 -- 00:00:07.085 Good day and thank you for standing by. Welcome to the ASR full year 2025 00:00:07.085 -- 00:00:12.693 results conference call. At this time, all participants are in a listen-only mode. 00:00:12.693 -- 00:00:17.239 After the speaker's presentation, there will be a question and answer session. 00:00:17.239 -- 00:00:23.087 To ask a question during the session, you will need to press star 1 1 on your telephone. 00:00:23.087 -- 00:00:27.113 You will then hear an automatic message advising your hand is raised. 00:00:27.113 -- 00:00:31.688 To answer your question, please press star 1 1 again. 00:00:31.688 -- 00:00:34.974 Please be advised that today's conference is being recorded. 00:00:34.974 -- 00:00:40.263 I would now like to hand the conference over to your first speaker today, Michel Holtzers. 00:00:40.263 -- 00:00:42.803 Please go ahead. 00:00:43.007 -- 00:00:45.532 Thank you, operator, and good morning, ladies and gentlemen. 00:00:45.532 -- 00:00:50.159 Thank you for joining us today. Welcome to the ASAR conference call on our full year 00:00:50.159 -- 00:00:55.428 result of 2025. On the call with me today are Jos Baten, our 00:00:55.428 -- 00:01:00.520 CEO, and Ewout Hollegien, our CFO. Now, just to kick it off with 00:01:00.520 -- 00:01:04.825 the progress of our strategy and the highlights of our financial results. 00:01:04.825 -- 00:01:10.672 Ewald will then talk about the development of our financials, capital, and Sol C position. 00:01:10.672 -- 00:01:15.999 After that, we will open up a Q&A. We have ample time planned for this call, 00:01:15.999 -- 00:01:21.146 but we will stop sharply at 10.30. So please observe a limit of two 00:01:21.146 -- 00:01:26.836 questions, and that means that everybody has got a chance at least t...