Intesa Sanpaolo Spa Ord (IITSF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, ladies and gentlemen, and welcome to the conference call of Intesa San Paolo for the presentation of the 2025 Results and Business Plan, hosted today by Mr. Carlo Messina, Chief Executive Officer. My name is Sandra, and I will be your coordinator for today's conference. At the end of the presentation, there will be a Q&A session. To enter the queue for questions, please press star 1 1 at any time. You will then hear an automated message advising that your hand is raised. To answer your question, please press star one and one again. You are kindly invited to ask no more than two questions so as to leave room for other participants. In case of additional questions, the IR team will be at disposal after the conference call. I remind you that today's conference is being recorded. At this time, I would like to hand the call over to Mr. Carlo Messina, CEO. Sir, you may begin. Good morning, ladies and gentlemen, and welcome to today's conference call on our full year results and our new business plan. This is Carlo Messina, Chief Executive Officer, and I'm here with Luca Bocca, CFO, Marco De Frate, and Andrea Tamagnini, Investor Relations Officers. Before starting our presentation, let me recap the main elements of our strategy. Over the last two business plans, we have delivered on our commitments exceeding our targets. We have created a unique business model strongly focused on commissions with high efficiency and a low risk profile. This strategy was enabled by strong investments in technology and in our people. Our investments in technology are a key enabler of growth, risk management, and of the scalability and resilience of our operating models. They continue to translate into benefits over time, both in cost control and in the way we run the group. The ...