EQB Inc. (EQB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to EQB's earnings call for the fourth quarter of 2025. This call is being recorded on Thursday, December 4, 2025. At this time, you are in a listen-only mode. Later, we will conduct a question-and-answer session for analysts. Instructions will be provided at that time. It is now my pleasure to turn the call over to Lamar Prasad, Vice President and Head of Investor Relations. Please go ahead. Thank you, Ludi, and good morning, everyone. Their hosts for today's Q4 results call are Chadwick Westlake, President and CEO, Annalisa Sunani, CFO, and Marlene Lenarduzzi, CRO. Also present for the Q&A session is Darren Lorimer, Group Head of Commercial Banking. After prepared remarks, we will open the lines for questions from our pre-qualified analysts. Please note that while we are excited about the acquisition of PC Financial, Today's call, including Q&A session, is intended to be focused on the Q4 and full-year EQB results. For those on the phone lines only, we encourage you to also log into our webcast and view our quarterly results presentation, which will be referenced during our prepared remarks. On slide two of our presentation, you will find EQB's caution regarding forward-looking statements, which involves assumptions that have inherent risks and uncertainties. Actual results may differ materially. I would remind listeners that all figures referenced today are on an adjusted basis where applicable unless otherwise noted. With that, I will now turn the call over to Chadwick. Thanks, Lamar, and good morning. I appreciate everyone joining us during a busy earnings day and so soon after yesterday's call. To stay on point for this call, I'm pleased to have fiscal 2025 behind us. It was a difficult year, and one of significant change for EQB. That c...