Bawag Group Ag Ord (BWAGF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.352 -- 00:00:06.522 Good day and thank you for standing by. Welcome to the BAVAG Group Full Year 2025 00:00:06.522 -- 00:00:12.291 results call. At this time, all participants are in a listen-only mode. 00:00:12.291 -- 00:00:16.318 After the speaker presentation, there will be a question and answer session. 00:00:16.318 -- 00:00:21.366 To ask a question during this session, you will need to press star 1, 1 00:00:21.366 -- 00:00:26.414 on your telephone. You will then hear an automated message advising your hand is 00:00:26.414 -- 00:00:31.473 raised. To withdraw your question, please press star 1, 1 00:00:31.473 -- 00:00:33.473 again. 00:00:34.417 -- 00:00:37.682 Please be advised that today's conference is being recorded. 00:00:37.682 -- 00:00:43.089 There will also be a transcript on the company's website. 00:00:43.089 -- 00:00:47.815 I would now like to hand the conference over to your speaker today, Anas Abou-Zakouk, 00:00:47.815 -- 00:00:50.539 CEO of the company. Please go ahead. 00:00:50.539 -- 00:00:52.539 Thank 00:00:53.062 -- 00:00:57.873 you, operator. Good morning, everyone. I hope everyone is keeping well. 00:00:57.873 -- 00:01:02.156 I'm joined this morning by Enver, our CFO. 00:01:02.319 -- 00:01:06.164 So we have a lot to cover. Let's jump right into it with a summary of full year 2025 00:01:06.164 -- 00:01:11.190 results on slide three. For the full year 2025, 00:01:11.190 -- 00:01:16.357 we delivered a record net profit of 860 million euros, earnings 00:01:16.357 -- 00:01:21.805 per share of 10 euros, 87 cents, and a return on tangible common equity 00:01:21.805 -- 00:01:23.562 of 27%. 00:01:23.562 -- 00:01:27.647 The underlying operating performance of our business was very strong with pre-provision 00:01:27.647 -- 00:01:33.355 prof...