Bank Leumi Le Israel (BLMIF) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.015 Ladies and gentlemen, thank you for standing by. 00:00:03.015 -- 00:00:06.660 Welcome to Lumi's third quarter 2025 Results 00:00:06.660 -- 00:00:11.087 Conference Call. All participants are at present in a listen-only mode. 00:00:11.087 -- 00:00:15.312 Following management's formal presentation, instructions will be given for the question 00:00:15.312 -- 00:00:22.019 and answer session. As a reminder, this conference is being recorded November 18, 2025. 00:00:22.142 -- 00:00:27.790 The presentation that we will be using is available on the IR section of the Bank's website. 00:00:27.790 -- 00:00:32.501 I would like to remind everyone that forward-looking statements for a respected company's 00:00:32.501 -- 00:00:37.533 business, financial condition and results of its operations are subject to risks 00:00:37.533 -- 00:00:42.585 and uncertainties that could cause actual results to differ materially from those 00:00:42.585 -- 00:00:47.974 contemplated. Such forward-looking statements include, but are not limited to, 00:00:47.974 -- 00:00:53.361 product demand, pricing, market acceptance, changing economic conditions, 00:00:53.361 -- 00:00:58.668 risk in product and technology development, and the effect of the company's accounting 00:00:58.668 -- 00:01:04.035 policies as well as certain other risk factors, which are details from time to time 00:01:04.035 -- 00:01:08.341 in the company's filing with the various security authorities. 00:01:08.341 -- 00:01:11.625 I would now like to turn the call over to Ms. 00:01:11.625 -- 00:01:15.350 Chagit Ergov, CFO and Head of Finance Division. 00:01:15.350 -- 00:01:17.353 Please go ahead. 00:01:17.353 -- 00:01:22.520 Good day, everyone. I'm very pleased to be here with you today and to present our ...