Bank Hapoalim B.M. S/Adr (BKHYY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.755 and thank you for standing by. Welcome to the Banco Pualim fourth quarter and full year 00:00:04.755 -- 00:00:08.819 of 2025 results conference call webinar. 00:00:08.819 -- 00:00:13.623 For your convenience, this call will be accompanied by a PowerPoint presentation. 00:00:13.623 -- 00:00:18.087 May we suggest, if you have not yet done so, that you access the presentation on the 00:00:18.087 -- 00:00:20.069 bank's website, 00:00:20.069 -- 00:00:22.069 www.BancoPualim.com, 00:00:22.851 -- 00:00:27.876 by clicking on financial information on the homepage and then click on the annual 00:00:27.876 -- 00:00:29.798 report presentation. 00:00:29.798 -- 00:00:33.002 All participants are at present in listen-only mode. 00:00:33.002 -- 00:00:37.228 Following management formal presentation, instructions will be given for the question 00:00:37.228 -- 00:00:42.675 and answer session. As a reminder, this conference is being recorded March 5th, 00:00:42.675 -- 00:00:44.578 2026. 00:00:44.578 -- 00:00:50.105 With us on the line today are Mr. Yadin Antebi of Bank Apoalim, 00:00:50.105 -- 00:00:55.372 Mr. Ram Gev, CFO, Mr. Victor Baha, Chief Economist, and Mr. 00:00:55.372 -- 00:01:00.725 Mark Koblenz, Head of Investor Relations. I would like to remind everyone that forward-looking 00:01:00.725 -- 00:01:05.712 statements for the respective company's business, financial condition, and results of 00:01:05.712 -- 00:01:10.799 its operations are subject to risk and uncertainty that could cause actual results 00:01:10.799 -- 00:01:14.324 to differ materially from those contemplated. 00:01:14.324 -- 00:01:19.772 Such forward-looking statements include but are not limited to product demand, pricing, 00:01:19.772 -- 00:01:24.859 market acceptance, change i...