Bank Leumi Le Israel (BLMIF) Q4 2025 Earnings Call

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WEBVTT 00:00:01.499 -- 00:00:04.584 Ladies and gentlemen, thank you for standing by. 00:00:04.584 -- 00:00:09.611 Welcome to LUMID Fourth Quarter 2025 Results Conference Call. 00:00:09.611 -- 00:00:13.017 All participants are at present in a listen-only mode. 00:00:13.017 -- 00:00:17.323 Following the management of the presentation, instructions will be given for the question 00:00:17.323 -- 00:00:22.711 and answer session. As a reminder, this conference is being recorded March 4, 00:00:22.711 -- 00:00:28.100 2026. I would like to remind everyone with forward-looking statements for their respective 00:00:28.100 -- 00:00:33.143 companies' business financial conditions and results of its operations are subject to 00:00:33.143 -- 00:00:37.787 risk and uncertainties that could cause actual results to differ materially from those 00:00:37.787 -- 00:00:39.549 contemplated. 00:00:39.549 -- 00:00:44.853 Such forward-looking statements include but are not limited to product demand, pricing, 00:00:44.853 -- 00:00:50.818 market acceptance, changing economic conditions, risk in product and technology development, 00:00:50.818 -- 00:00:56.123 and the effect of the company's accounting policies, as well as certain other risk factors, 00:00:56.123 -- 00:00:59.397 which are detailed from time to time in the company's filings. 00:00:59.397 -- 00:01:02.341 with the various securities authorities. 00:01:02.341 -- 00:01:04.684 I would now like to turn over the call to Mr. 00:01:04.684 -- 00:01:07.467 Michael Clare, Head of Investor Relations. 00:01:07.467 -- 00:01:11.112 Mr. Clare, please go ahead. 00:01:11.112 -- 00:01:16.139 Ladies and gentlemen, thank you for joining Bank Loomis' fourth quarter and full year 00:01:16.139 -- 00:01:21.666 2025 financial results webcast. Joining me toda...