Laurentian Bank of Canada (LB) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.795 Welcome to the Laurentian Bank Quarterly Financial Results Call. 00:00:03.795 -- 00:00:06.498 Please note that this call is being recorded. 00:00:06.498 -- 00:00:10.903 I would now like to turn the meeting over to Raphael Ambeau, Vice President, Finance 00:00:10.903 -- 00:00:14.885 and Investor Relations. Please go ahead, Raphael. 00:00:14.927 -- 00:00:18.311 Bonjour à tous. Good morning and thank you for joining us. 00:00:18.311 -- 00:00:23.016 Today's opening remarks will be delivered by Eric Provost, President and CEO, and the 00:00:23.016 -- 00:00:27.961 review of the third quarter financial results will be presented by Yvan Deschamps, Executive 00:00:27.961 -- 00:00:32.843 Vice President and CFO. after which we'll invite questions from the phone. 00:00:32.843 -- 00:00:37.988 Also joining us for the question period is Christian Debroux, Executive Vice President 00:00:37.988 -- 00:00:43.253 and CRO. All documents pertaining to the quarter can be found on our website in the Investor 00:00:43.253 -- 00:00:48.338 Relations section. I'd like to remind you that during this conference call, 00:00:48.338 -- 00:00:52.622 forward-looking statements may be made, and it is possible that actual results may differ 00:00:52.622 -- 00:00:55.885 materially from those projected in such statements. 00:00:55.885 -- 00:01:00.166 For the complete cautionary note regarding forward-looking statements, please refer to 00:01:00.166 -- 00:01:03.372 our press release or to slide two of the presentation. 00:01:03.372 -- 00:01:07.458 I would also like to remind listeners that the bank assesses its performance on a reported 00:01:07.458 -- 00:01:13.588 and adjusted basis and considers both to be useful in assessing underlying business performance. 00:01:13.5...