Erste Group Bank Ag S/Adr (EBKDY) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.487 -- 00:00:03.532 Guten Tag und herzlich willkommen. Good morning, Cordial. 00:00:03.532 -- 00:00:08.720 Welcome, ladies and gentlemen, to our press conference on the annual results 00:00:08.720 -- 00:00:11.041 2025. The 00:00:12.046 -- 00:00:17.174 results will be presented by the CEO, Peter Bossek, Alexandra Havel-Adrave, 00:00:17.174 -- 00:00:22.154 RISCA manager and CFO, Stefan Dörfler. 00:00:22.154 -- 00:00:27.299 We will start with the presentations right now and afterwards the 00:00:27.299 -- 00:00:30.662 gentleman and the lady will be available for questions. 00:00:30.662 -- 00:00:34.907 Good morning and hi everyone, thanks for coming. 00:00:34.907 -- 00:00:39.231 You are all running on a tight schedule so we really appreciate that you are here with 00:00:39.231 -- 00:00:44.296 us today. So now when we look back to 2025, 00:00:44.296 -- 00:00:47.804 there are two important dimensions to remember. 00:00:47.804 -- 00:00:53.708 So let's start with dimension number one, the acquisition in Poland. 00:00:53.710 -- 00:00:58.555 So that meant a lot of work for us, of course. 00:00:58.555 -- 00:01:01.678 And we've reached a fantastic result in the end. 00:01:01.678 -- 00:01:07.204 And the second dimension to remember and bear in mind, the strength of the existing 00:01:07.204 -- 00:01:10.427 group, which has actually enabled us 00:01:10.427 -- 00:01:12.269 to acquire 00:01:12.269 -- 00:01:17.643 the Santander Bank Poland. We have really been successful in the 00:01:17.643 -- 00:01:20.726 past 20 years to develop the business model. 00:01:20.726 -- 00:01:23.229 We did it step by step 00:01:23.229 -- 00:01:27.010 and so we've really grown strong 00:01:27.093 -- 00:01:31.597 especially when it's about creating capital because 00:01:31.597 -- 00:01:35.29...