Laurentian Bank of Canada (LB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to the Laurentian Bank Financial Results Conference call. Please note that this call is being recorded. I would now like to turn the meeting over to Raphael Ambo, Vice President, Finance and Investor Relations. Please go ahead, Raphael. Bonjour à tous. Good morning and thank you for joining us. Today's opening remarks will be delivered by Éric Provost, President and CEO, and the review of the fourth quarter and annual financial results will be presented by Yvan Deschamps, Executive Vice President and CFO, after which we'll invite questions from the phone. Also joining us for the question period is Christian Debroux, Executive Vice President and CRO. All documents pertaining to the quarter can be found on our website in the Investor Relations section. I'd like to remind you that during this conference call, forward-looking statements may be made, and it is possible that actual results may differ materially from those projected in such statements. For the complete cautionary note regarding forward-looking statements, please refer to our press release or to slide 2 of the presentation. I would also like to remind listeners that the Bank assesses its performance on a reported and adjusted basis and considers both to be useful in assessing underlying business performance. Eric and Yvan will be referring to adjusted results in their remarks unless otherwise noted as reported. I will now turn the call over to Eric. Good morning. Thanks for being with us today. Our roadmap for 2025 was ambitious. We are proud to report that we delivered against our plan, achieving several transformational milestones. Notably, the deployment of cloud-based systems has significantly improved our operational efficiency resilience, and customer experience. These investments are foundatio...