Bank Hapoalim B.M. S/Adr (BKHYY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.020 Ladies and gentlemen, thank you for standing by. 00:00:03.020 -- 00:00:08.356 Welcome to the Banca Poalim third quarter of 2025 results conference call. 00:00:08.356 -- 00:00:12.974 For your convenience, this call will be accompanied by a PowerPoint presentation. 00:00:12.974 -- 00:00:17.982 May we suggest, if you have not yet done so, that you access the presentation on the 00:00:17.982 -- 00:00:21.585 bank's website www.bankapoalim.com 00:00:22.850 -- 00:00:27.778 by clicking on Financial Information on the homepage and then click on the third quarter 00:00:27.778 -- 00:00:29.301 2025 00:00:29.301 -- 00:00:31.435 report presentation. 00:00:31.435 -- 00:00:35.299 All participants are present in listen-only mode. 00:00:35.299 -- 00:00:40.385 Following management's formal presentation, we will open the question and answer session. 00:00:40.385 -- 00:00:46.552 You may send questions via chat. Please type your name and company before your questions. 00:00:46.552 -- 00:00:50.837 Or you can use the raise hand button on the bottom of screen. 00:00:50.837 -- 00:00:56.221 As a reminder, this conference is being recorded November 20, 2025. 00:00:56.782 -- 00:01:00.388 With us on the line today are Mr. Ram Gev, CFO, Mr. 00:01:00.388 -- 00:01:05.598 Victor Bahar, Chief Economist, and Mr. Mark Hoblentz, Head of Investor Relations. 00:01:05.598 -- 00:01:09.625 I would like to remind everyone that forward-looking statements for the respected company's 00:01:09.625 -- 00:01:14.513 business, financial condition, and results of its operations are subject to risk and 00:01:14.513 -- 00:01:20.373 uncertainties that could cause actual results to differ materially from those contemplated. 00:01:20.373 -- 00:01:25.379 Such forward-looking statements inc...