Bank Hapoalim B.M. S/Adr (BKHYY) Q2 2026 Earnings Call

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WEBVTT 00:00:01.967 -- 00:00:04.789 Ladies and gentlemen, thank you for standing by. 00:00:04.789 -- 00:00:10.433 Welcome to the Banco Hapoalim second quarter of 2026 results conference call webinar. 00:00:10.433 -- 00:00:14.656 For your convenience, this call will be accompanied by a presentation. 00:00:14.656 -- 00:00:19.259 May we suggest, if you have not yet done so, that you access the presentation on the 00:00:19.259 -- 00:00:22.900 Bank's website www.BancoHapoalim.com 00:00:23.982 -- 00:00:28.985 by clicking on financial information on the homepage and then click on the second quarter 00:00:28.985 -- 00:00:32.447 2026 report presentation. 00:00:32.447 -- 00:00:35.869 All participants are as present in listen-only mode. 00:00:35.869 -- 00:00:40.892 Following management's formal presentation, we will open the question and answer session. 00:00:40.892 -- 00:00:46.295 You may send questions via chat. Please type your name and company before your questions. 00:00:46.295 -- 00:00:50.017 Or you can use the raise hand button on the bottom of your screen. 00:00:50.017 -- 00:00:55.441 As a reminder, this conference is being recorded August 11, 2026. 00:00:55.441 -- 00:00:59.183 With us on the line today are Mr. Ram Gev, CFO, and Mr. 00:00:59.183 -- 00:01:04.789 Mark Koblenz, Head of Investor Relations. I would like to remind everyone that forward-looking 00:01:04.789 -- 00:01:09.452 statements for the respected company's business, financial condition and results of its 00:01:09.452 -- 00:01:14.636 operations are subject to risk and uncertainties that would cause actual results to differ 00:01:14.636 -- 00:01:17.338 materially from those contemplated. 00:01:17.338 -- 00:01:22.742 Such forward-looking statements include but are not limited to product demand, pricing, 00:0...