Kbc Group Sa Unsp/Adr (KBCSY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.316 Hello and welcome to the KBC Group Earnings Release Q4 2025 00:00:05.316 -- 00:00:10.801 conference call hosted by Johannes, CEO, Bartel 00:00:10.801 -- 00:00:16.446 Pullinks, CFO, and Kurt de Berndt, Head of Investor Relations. 00:00:16.446 -- 00:00:21.411 Please note this conference is being recorded and for the duration of the call, your 00:00:21.411 -- 00:00:26.676 lines will be on listen only. However, you'll have the opportunity to ask questions 00:00:26.676 -- 00:00:32.307 after the presentation This can be done by pressing star 1 on your telephone keypad 00:00:32.307 -- 00:00:37.332 to register your question. If you require assistance at any point, please press star 00:00:37.332 -- 00:00:41.155 0 and you'll be connected to an operator. 00:00:41.155 -- 00:00:45.560 I will now hand over to Kurt de Bans to begin today's conference. 00:00:45.560 -- 00:00:47.820 Thank you. 00:00:48.623 -- 00:00:53.587 Thank you, operator. A very good morning to all of you from the headquarters of KBC in 00:00:53.587 -- 00:00:57.389 Brussels, and welcome to the KBC conference call. 00:00:57.389 -- 00:01:01.833 Today is Thursday, February the 12th of 2026, 00:01:01.896 -- 00:01:05.122 and we are hosting the conference call on the fourth quarter and full year results of 00:01:05.122 -- 00:01:11.529 KBC, as well as the 26th and 28th financial guidance. 00:01:11.532 -- 00:01:17.361 As usual, we have Johan Tess, our Group CEO, with us, as well as Group CFO Bartel Poelings, 00:01:17.361 -- 00:01:22.610 and they will both elaborate on the results and add some additional insight on the new 00:01:22.610 -- 00:01:25.604 short-term and long-term financial guidance. 00:01:25.604 -- 00:01:30.531 As such, it's my pleasure to give the floor to our COO on TESS, ...