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

Investor webinar replay

Replay transcript excerpt

Guten Tag und herzlich willkommen. Good morning, Cordial. Welcome, ladies and gentlemen, to our press conference on the annual results 2025. The results will be presented by the CEO, Peter Bossek, Alexandra Havel-Adrave, RISCA manager and CFO, Stefan Dörfler. We will start with the presentations right now and afterwards the gentleman and the lady will be available for questions. Good morning and hi everyone, thanks for coming. You are all running on a tight schedule so we really appreciate that you are here with us today. So now when we look back to 2025, there are two important dimensions to remember. So let's start with dimension number one, the acquisition in Poland. So that meant a lot of work for us, of course. And we've reached a fantastic result in the end. And the second dimension to remember and bear in mind, the strength of the existing group, which has actually enabled us to acquire the Santander Bank Poland. We have really been successful in the past 20 years to develop the business model. We did it step by step and so we've really grown strong especially when it's about creating capital because we have a balanced approach. We have a conservative business mix that our work is based on that provides us with stability and we've been successful and strong standing in all the markets we operate in. We also have an influence on the market so it's not just about meeting demands but also adapting demands. So now when we look at the details and when we get to the figures so the loans have really grown and of course also the interest income has grown. We'll hear more about that from Stefan later on. But when we take a look at the loans, we have grown by 6.4% as compared to the previous year. And in all other countries, we saw a higher growth as compared to Austria...