Bankinter, S.A. (BKIMF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.879 Good morning, and thank you for joining our 2025 Full Year Earnings Call. 00:00:04.879 -- 00:00:09.106 Financial statements were posted with market authorities early this morning. 00:00:09.106 -- 00:00:12.672 All materials can also be found on our corporate website. 00:00:12.672 -- 00:00:16.899 Please refer to the disclaimer in the presentation and note that this call is being recorded. 00:00:16.899 -- 00:00:22.268 And we welcome today our Chief Executive Officer, Gloria Ortiz, and Chief 00:00:22.268 -- 00:00:27.773 Financial Officer, Jacobo Diaz. Gloria, over to you, please. 00:00:27.773 -- 00:00:32.965 Thank you, Laurie, and thank you all for joining us in this 2025 full-year 00:00:32.965 -- 00:00:34.870 results presentation. 00:00:34.870 -- 00:00:38.859 Since we are reporting the full year, I believe it's appropriate to start with a brief 00:00:38.859 -- 00:00:43.009 overview of the environment in which our business has operated to provide context for 00:00:43.009 -- 00:00:48.020 the figures that we are about to review. 2025 was the year of Donald 00:00:48.020 -- 00:00:52.409 Trump's return to the White House, an event that has set the political tempo of the international 00:00:52.409 -- 00:00:57.881 calendar. Continuing the trend of previous years, the events in 2025 confirmed 00:00:57.881 -- 00:01:03.432 that the international landscape is moving towards an increasingly turbulent and fragmented 00:01:03.432 -- 00:01:08.840 scenario. Long-standing conflicts such as Ukraine remain unresolved despite failed attempts 00:01:08.840 -- 00:01:14.908 to reach an end to the war. In Gaza, the ceasefire came only after months of escalating 00:01:14.908 -- 00:01:20.094 violence. Meanwhile, the Franco-German axis, the traditional engine of ...