EQB Inc. (EQB) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.196 Welcome to EQB's earnings call for the second quarter of 2025. 00:00:05.196 -- 00:00:09.379 This call is being recorded on Thursday, May 29, 2025. 00:00:10.001 -- 00:00:13.165 At this time, you are in a listen-only mode. 00:00:13.165 -- 00:00:17.029 Later, we will conduct a question-and-answer session for analysts. 00:00:17.029 -- 00:00:19.711 Instructions will be provided at that time. 00:00:19.711 -- 00:00:24.176 It is now my pleasure to turn the call over to Maggie Hall, Director of Public Relations 00:00:24.176 -- 00:00:27.655 and Communications. Please go ahead. 00:00:27.655 -- 00:00:29.517 Thank you, Jenny, and good morning, everyone. 00:00:29.517 -- 00:00:34.642 Your hosts today are Andrew Moore, President and Chief Executive Officer, Marlene Leonard-Ducey, 00:00:34.642 -- 00:00:39.147 Chief Risk Officer, and David Wilkes, Vice President and Head of Finance. 00:00:39.147 -- 00:00:43.011 For those on the phone lines only, we encourage you to also log on to our webcast and 00:00:43.011 -- 00:00:47.075 view our presentation, which may be referenced during the prepared remarks. 00:00:47.075 -- 00:00:51.000 On slide two of our presentation, you'll find EQB's caution regarding forward-looking 00:00:51.000 -- 00:00:54.757 statements, as well as the use of non-IFRS measures. 00:00:54.757 -- 00:00:58.702 All figures referenced today are on an adjusted basis where applicable unless otherwise 00:00:58.702 -- 00:01:03.146 noted. With that, I will turn it over to Andrew. 00:01:03.829 -- 00:01:06.092 Good morning, everyone, and thank you, Maggie. 00:01:06.092 -- 00:01:09.977 Before diving into quarterly numbers, some initial observations. 00:01:09.977 -- 00:01:14.123 While the fundamental capacity of our business to grow profitably is unc...