Intesa Sanpaolo Spa Ord (IITSF) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.657 Good afternoon, ladies and gentlemen, and welcome to the conference call of Intensa San 00:00:04.657 -- 00:00:09.664 Paolo for the presentation of the third quarter 2025 results, hosted 00:00:09.664 -- 00:00:14.772 today by Mr. Carlo Messina, Chief Executive Officer. 00:00:14.772 -- 00:00:19.535 My name is Nadia, and I will be your coordinator for today's conference. 00:00:20.099 -- 00:00:24.505 At the end of the presentation, there will be the question and answer session. 00:00:24.505 -- 00:00:30.288 To enter the queue for questions, please press star 1 1 at any time. 00:00:30.288 -- 00:00:35.534 You will then hear an automated message advising that your hand is raised. 00:00:35.534 -- 00:00:38.898 To withdraw a question, please press star 1 1 again. 00:00:38.898 -- 00:00:40.320 You 00:00:40.320 -- 00:00:47.206 are kindly invited to ask no more than two questions so as to leave room for other participants. 00:00:47.269 -- 00:00:52.595 In case of additional questions, the IR team will be at your disposal after the conference 00:00:52.595 -- 00:00:54.595 call. 00:00:54.597 -- 00:00:58.900 I remind you that today's conference call is being recorded. 00:00:59.752 -- 00:01:02.615 At this time, I would like to hand the call over to Mr. 00:01:02.615 -- 00:01:05.558 Carlo Messina, CEO. Sir, you may begin. 00:01:05.558 -- 00:01:07.558 Thank 00:01:07.961 -- 00:01:12.606 you. Welcome to our nine-month 2025 results conference call. 00:01:12.606 -- 00:01:17.751 This is Carlo Messina, Chief Executive Officer, and I'm here with Luca Bocca, 00:01:17.751 -- 00:01:23.731 our CFO, and Marco Del Frato and Andrea Tamagnini, Investor Relations Officers. 00:01:23.731 -- 00:01:29.197 We just delivered our best-ever nine-month net income at 7.6 billion 00...