Caixabank Sa Unsp/Adr (CAIXY) Q1 2026 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.477 Good morning and welcome to Casabank results presentation for the first quarter of 2026. 00:00:04.477 -- 00:00:09.804 We are joined today by our CEO, Gonzalo Gortazar, and our CFO, 00:00:09.804 -- 00:00:14.971 Javier Pano. As usual, we plan to spend about 30 minutes with the presentation and about 00:00:14.971 -- 00:00:21.657 45 minutes to an hour with the Q&A. The Q&A is live and you should have received instructions 00:00:24.888 -- 00:00:29.715 Questions by email on how to participate. Needless to say, at the end of the call, my 00:00:29.715 -- 00:00:34.062 team and I will be at your full disposal. And without further ado, Gonzalo, the floor 00:00:34.062 -- 00:00:35.123 is yours. 00:00:35.123 -- 00:00:37.206 Thank you, Marta. Good morning, everybody. 00:00:37.206 -- 00:00:39.206 And 00:00:40.031 -- 00:00:45.323 let's get into substance. So, first quarter of the year, and... 00:00:45.323 -- 00:00:49.851 We feel quite happy with the way things are progressing, particularly in light of the 00:00:49.851 -- 00:00:51.554 unstable 00:00:51.554 -- 00:00:55.681 environment that we have outside of Spain and particularly in the Middle East and its 00:00:55.681 -- 00:01:02.089 consequences. So you see volume growth, 7% year-on-year. 00:01:05.018 -- 00:01:06.440 Revenues, 00:01:06.440 -- 00:01:11.510 you saw... The NII, which is in line with our 00:01:11.510 -- 00:01:16.540 expectation and our guidance in the quarter, still affected by negative 00:01:16.540 -- 00:01:19.382 repricing, as we had 00:01:20.208 -- 00:01:25.579 explained in the last presentation. Very positive figure from services, insurance 00:01:25.579 -- 00:01:29.013 and fees and commissions, 7.5% year-on-year. 00:01:29.013 -- 00:01:35.239 Quite remarkable in terms of the speed ...