Mizrahi Tefahot Bank Ltd (MZTFF) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.795 Ladies and gentlemen, thank you for standing by. 00:00:02.795 -- 00:00:07.782 Welcome to the Mizrahi Tzachor Bank third quarter 2025 00:00:07.782 -- 00:00:12.609 business results conference call. All participants are present in listen-only mode. 00:00:12.609 -- 00:00:16.415 Following management's formal presentation, instructions will be given for the question 00:00:16.415 -- 00:00:20.841 and answer session. For operator assistance during the conference, please press star 00:00:20.841 -- 00:00:26.407 zero. As a reminder, this conference is being recorded November 18, 2025. 00:00:26.980 -- 00:00:31.127 With us on the line today are Mr. Ajit Shahak, CFO, and Mr. 00:00:31.127 -- 00:00:36.295 Menno Aviv, Chief Accountant. We would like to draw your attention to slide number one 00:00:36.295 -- 00:00:41.303 of the financial statement for the third quarter 2025 presentation, which includes 00:00:41.303 -- 00:00:46.672 general comments regarding legal responsibility, including that, The information 00:00:46.672 -- 00:00:51.898 contained in the presentation constitutes information from the bank's 2025 quarterly 00:00:51.898 -- 00:00:57.105 reports and or immediate reports, as well as the periodic quarterly and annual reports 00:00:57.105 -- 00:01:01.570 and or immediate reports published by the bank in previous years. 00:01:01.570 -- 00:01:08.216 Accordingly, the information contained in the presentation is only partial, is not exhaustive, 00:01:08.830 -- 00:01:14.479 and does not include the full details regarding the bank and its operations or regarding 00:01:14.479 -- 00:01:19.446 the risk factors involved in its activity and certainly does not replace the information 00:01:19.446 -- 00:01:24.514 included in the periodic annual and or q...