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

Investor webinar replay

Replay transcript excerpt

and thank you for standing by. Welcome to the Banco Pualim fourth quarter and full year of 2025 results conference call webinar. 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.BancoPualim.com, by clicking on financial information on the homepage and then click on the annual report presentation. All participants are at present in listen-only mode. Following management formal presentation, instructions will be given for the question and answer session. As a reminder, this conference is being recorded March 5th, 2026. With us on the line today are Mr. Yadin Antebi of Bank Apoalim, Mr. Ram Gev, CFO, Mr. Victor Baha, Chief Economist, and Mr. Mark Koblenz, Head of Investor Relations. I would like to remind everyone that forward-looking statements for the respective company's business, financial condition, and results of its operations are subject to risk and uncertainty 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, change in 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 detailed from time to time in the company's filings with the various security authorities. In the event of a siren in Israel, we will pause briefly and resume the call as soon as possible. Mr. Antebi, would you like to begin? Thank you. Good afternoon, and thank you for joining us for our view of the Bank's 2025 results. We are publishing our financial statements and holding this call at a time when the geopolitica...