Erste Group Bank Ag S/Adr (EBKDY) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.115 -- 00:00:05.462 Ladies and gentlemen, welcome to the Airsta Group third quarter 2025 results conference 00:00:05.462 -- 00:00:09.367 call. I am Sandra, the course call operator. 00:00:09.367 -- 00:00:12.731 I would like to remind you that all participants have been listened to in remote and 00:00:12.731 -- 00:00:18.298 the conference has been recorded. The presentation will be followed by a Q&A session. 00:00:18.298 -- 00:00:23.805 You can register for questions at any time by pressing star and one on your telephone. 00:00:23.805 -- 00:00:27.098 For operator assistance, please press star and zero. 00:00:27.098 -- 00:00:31.123 The conference must not be recorded for publication or broadcast. 00:00:31.123 -- 00:00:36.848 At this time, it's my pleasure to hand over to Thomas Sommerauer, Head 00:00:37.752 -- 00:00:41.477 of the Group of Investor Relations. Please go ahead, sir. 00:00:41.477 -- 00:00:46.263 Thank you very much, Sandra, for the kind introduction and also a warm welcome 00:00:46.263 -- 00:00:50.588 from my end to this third quarter conference call of Erste Group. 00:00:50.588 -- 00:00:55.990 We follow our usual procedure according to which Peter Bossek, our 00:00:55.990 -- 00:01:01.437 executive officer, Stefan Dörfler, our chief financial officer, and Alexander Haveler-Travik, 00:01:01.437 -- 00:01:06.644 our chief risk officer, will lead you through a brief presentation highlighting the financial 00:01:06.644 -- 00:01:11.310 achievements of the third quarter and here today, 00:01:11.310 -- 00:01:15.533 after which time we will be ready to take your questions. 00:01:15.856 -- 00:01:21.488 Before I hand over to Peter Bossek, the usual presentation, highlighting 00:01:21.488 -- 00:01:25.732 of the disclaimer on page two in regard to forwa...