Mizrahi Tefahot Bank Ltd (MZTFF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.436 -- 00:00:03.300 Ladies and gentlemen, thank you for standing by. 00:00:03.300 -- 00:00:08.446 Welcome to the MidRocket for HotBank LTD fourth quarter 2025 business 00:00:08.446 -- 00:00:13.733 results conference call. All participants are as present in a listen-only mode. 00:00:13.733 -- 00:00:17.939 Following management's formal presentation, instructions will be given for the question 00:00:17.939 -- 00:00:22.965 and answer session. For operator assistance during the conference, please press star 00:00:22.965 -- 00:00:29.231 zero. As a reminder, this conference is being recorded February 26, 2026. 00:00:29.731 -- 00:00:34.056 With us on the line today are Mr. Adi Shachaf, CFO, and Mr. 00:00:34.056 -- 00:00:39.242 Manu Aviv, Chief Account. We would like to draw your attention to slide number 00:00:39.242 -- 00:00:44.829 one of the financial statement for the fourth quarter 2025 presentation, 00:00:44.829 -- 00:00:50.716 which includes general comments regarding legal responsibility, including debt. 00:00:50.716 -- 00:00:55.641 The information contained in the presentation constitutes information from the Bank's 00:00:55.641 -- 00:00:57.123 2025 00:00:57.123 -- 00:01:02.150 annual and quarterly reports and or immediate reports as well as the 00:01:02.150 -- 00:01:07.616 periodic, quarterly, and annual reports and or immediate reports published 00:01:07.616 -- 00:01:10.640 by the bank in the previous years. 00:01:10.640 -- 00:01:15.985 Accordingly, the information contained in the presentation is only partial and 00:01:15.985 -- 00:01:21.151 is not exhaustive and does not include the full details regarding the bank 00:01:21.151 -- 00:01:26.272 and its operation or regarding the risk factors involved in its activity and 00:01:26.272 -- 00:01:31.558 ...