Kbc Group Sa Unsp/Adr (KBCSY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.115 -- 00:00:05.201 Good morning, ladies and gentlemen, and welcome to the KBC Group Earnings Release 00:00:05.201 -- 00:00:10.247 Third Quarter 2025. At this time, all participants are 00:00:10.247 -- 00:00:15.373 in listen-only mode. I would now like to turn the floor over to Kurt De 00:00:15.373 -- 00:00:20.377 Balmst, Head of Investor Relations. Please go ahead. 00:00:20.920 -- 00:00:23.162 Thank you, operator. 00:00:23.162 -- 00:00:27.928 A very good morning to all of you from the headquarters of KBC in Brussels, and welcome 00:00:27.928 -- 00:00:33.459 to the Third Quarter Conference Call. Today is Thursday, November the 13th, 2025, 00:00:33.459 -- 00:00:38.363 and we are hosting the conference call on the third core results of KBC. 00:00:38.446 -- 00:00:43.173 As usual, we have the Group CEO, Johan Tess, as well as Group CFO, Bartel Pulings, with 00:00:43.173 -- 00:00:48.520 us, and they will both elaborate on the results and add some additional insight. 00:00:48.520 -- 00:00:52.726 As such, it's my pleasure to give the floor to our CEO, Johan Tess, who will quickly 00:00:52.726 -- 00:00:55.467 run you through the presentation. 00:00:55.904 -- 00:01:00.651 Thank you very much, Kurt. And also from my side, a warm welcome to the announcement 00:01:00.651 -- 00:01:03.495 of the third quarter results 2025. 00:01:03.495 -- 00:01:08.562 And as always, we start with the net results, which stands at a very excellent 00:01:08.562 -- 00:01:14.030 1 billion and 2 million euros. So once again, the KBC bank assurance 00:01:14.030 -- 00:01:19.538 machine has been firing on all its cylinders, which also means that all entities 00:01:19.538 -- 00:01:23.461 in our group have been contributing positively to this result. 00:01:23.461 -- 00:01:27.868 As a matter o...