Banco De Sabadell Sa Ord (BNDSF) Q4 2025 Earnings Call

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WEBVTT 00:00:01.853 -- 00:00:05.818 Good morning, and thank you for joining Sabadell's results presentation for the fourth 00:00:05.818 -- 00:00:11.125 quarter and the full year 2025. We are joined today by our CEO, César González 00:00:11.125 -- 00:00:16.311 Bueno, and our CFO, Sergio Palagecino. The presentation will follow a similar format 00:00:16.311 -- 00:00:21.217 as in previous quarters. First, our CEO will walk us through the key highlights of the 00:00:21.217 -- 00:00:26.364 year. Then, our CFO will go into the financials and the balance sheet before our 00:00:26.364 -- 00:00:31.372 CEO concludes with closing remarks. Finally, we will open the floor for a live Q&A 00:00:31.372 -- 00:00:36.702 session where you can ask your questions. So, Cesar, over to you. 00:00:36.702 -- 00:00:40.069 Thank you, Juk, and good morning, everyone. 00:00:40.069 -- 00:00:43.876 We announced yesterday that the Board of Directors of the Bank and I have agreed on my 00:00:43.876 -- 00:00:49.186 resignation as Sabadell CEO, while Marc Armengol has been appointed new 00:00:49.186 -- 00:00:55.001 CEO. These changes will take place around May, following our AGM, 00:00:55.001 -- 00:00:57.804 and once regulatory approvals have been obtained. 00:00:57.804 -- 00:01:03.031 Until then, I will remain Salvador's CEO, and Marc will remain TSB's 00:01:03.031 -- 00:01:04.953 CEO. 00:01:04.953 -- 00:01:10.119 And I think now is the right moment for me to step down, and I say 00:01:10.119 -- 00:01:14.445 that absolutely sincerely. Our current strategic 00:01:14.445 -- 00:01:20.035 plan is solid and well-defined and supported well. 00:01:20.035 -- 00:01:25.040 by everyone, including Mark, who has been a great part of 00:01:25.040 -- 00:01:26.842 its construction. 00:01:26.842 -- 00:01:30.486 Target...