Banco Bpm Societa Ord (BNCZF) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.335 -- 00:00:03.696 Good evening, this is the Coruscall conference operator. 00:00:03.696 -- 00:00:08.818 Welcome and thank you for joining the Banco BPM full year 2025 group results 00:00:08.818 -- 00:00:10.818 presentation. 00:00:10.818 -- 00:00:15.499 As a reminder, all participants are in listen-only mode. 00:00:15.540 -- 00:00:19.501 After the presentation, there will be an opportunity to ask questions. 00:00:19.501 -- 00:00:23.822 Should anyone need assistance during the conference call, they may signal an operator 00:00:23.822 -- 00:00:28.083 by pressing star and zero on their telephone. 00:00:28.447 -- 00:00:32.209 At this time, I would like to turn the conference over to Mr. 00:00:32.209 -- 00:00:38.051 Arne Riscassi, IR Manager of Banco BPM. Please go ahead, sir. 00:00:38.051 -- 00:00:42.233 Good afternoon and welcome to Banco BPM full year results conference call. 00:00:42.233 -- 00:00:47.496 Our CEO, Giuseppe Castagna, and our Joint General Manager, Eduardo Gineo, 00:00:47.496 -- 00:00:52.398 will take through the presentation. And let me remind you, please, to limit yourself 00:00:52.398 -- 00:00:56.199 to two questions. And now I hand over to Mr. 00:00:56.199 -- 00:00:58.506 Castagna. Thank you. 00:00:58.506 -- 00:01:02.068 Thank you, Arne. Good evening to everybody. 00:01:02.068 -- 00:01:06.310 For once, we are the only one in the evening, so we'll take our time, but I will try 00:01:06.310 -- 00:01:11.813 to be as quick as possible in order to give you the possibility to make 00:01:11.813 -- 00:01:17.116 an interesting Q&A session. So, first slide on page 00:01:17.116 -- 00:01:21.878 six, I will start. This is just a recap of the completion. 00:01:21.878 -- 00:01:27.923 We are more and more having on... our 00:01:27.923 -- 00:01:33.125...