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

Investor webinar replay

Replay transcript excerpt

Ladies and gentlemen, thank you for standing by. Welcome to the Banca Poalim third quarter of 2025 results conference call. For your convenience, this call will be accompanied by a PowerPoint presentation. May we suggest, if you have not yet done so, that you access the presentation on the bank's website www.bankapoalim.com by clicking on Financial Information on the homepage and then click on the third quarter 2025 report presentation. All participants are present in listen-only mode. Following management's formal presentation, we will open the question and answer session. You may send questions via chat. Please type your name and company before your questions. Or you can use the raise hand button on the bottom of screen. As a reminder, this conference is being recorded November 20, 2025. With us on the line today are Mr. Ram Gev, CFO, Mr. Victor Bahar, Chief Economist, and Mr. Mark Hoblentz, Head of Investor Relations. I would like to remind everyone that forward-looking statements for the respected company's business, financial condition, and results of its operations are subject to risk and uncertainties that could cause actual results to differ materially from those contemplated. Such forward-looking statements include, but are not limited to, product demand, pricing, market acceptance, changing economic conditions, risk in product and technology development, and the effect of the company's accounting policies, as well as certain other risk factors, which are details from time to time in the company's filing with the various securities authorities. Mr. Geb, would you like to begin? Good afternoon to you all, and thank you for joining us today. I'm happy to review the bank's 2025 third quarter results with the highest in the sector, quarterly and cumulative net p...