Laurentian Bank of Canada (LB) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.494 Welcome to the Laurentian Bank Financial Results Conference call. 00:00:03.494 -- 00:00:05.557 Please note that this call is being recorded. 00:00:05.557 -- 00:00:10.742 I would now like to turn the meeting over to Raphael Ambo, Vice President, Finance 00:00:10.742 -- 00:00:14.425 and Investor Relations. Please go ahead, Raphael. 00:00:14.425 -- 00:00:18.129 Bonjour à tous. Good morning and thank you for joining us. 00:00:18.129 -- 00:00:22.974 Today's opening remarks will be delivered by Éric Provost, President and CEO, and the 00:00:22.974 -- 00:00:28.280 review of the fourth quarter and annual financial results will be presented by Yvan Deschamps, 00:00:28.280 -- 00:00:34.189 Executive Vice President and CFO, after which we'll invite questions from the phone. 00:00:34.189 -- 00:00:38.655 Also joining us for the question period is Christian Debroux, Executive Vice President 00:00:38.655 -- 00:00:43.783 and CRO. All documents pertaining to the quarter can be found on our website in the 00:00:43.783 -- 00:00:48.049 Investor Relations section. I'd like to remind you that during this conference call, 00:00:48.049 -- 00:00:52.876 forward-looking statements may be made, and it is possible that actual results may differ 00:00:52.876 -- 00:00:56.545 materially from those projected in such statements. 00:00:56.545 -- 00:01:01.391 For the complete cautionary note regarding forward-looking statements, please refer to 00:01:01.391 -- 00:01:04.555 our press release or to slide 2 of the presentation. 00:01:04.555 -- 00:01:09.060 I would also like to remind listeners that the Bank assesses its performance on a reported 00:01:09.060 -- 00:01:14.186 and adjusted basis and considers both to be useful in assessing underlying business 00:01:14.186 -...