MoneyHero Limited (MNY) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.938 Good day and welcome to the Money Hero Group fourth quarter and full year 2025 earnings 00:00:04.938 -- 00:00:09.505 conference call. At this time, all participants are in listen-only mode. 00:00:09.505 -- 00:00:13.151 After the speaker's presentation, there will be a question and answer session. 00:00:13.151 -- 00:00:17.397 To ask a question, please press star 1-1 on your touchtone phone. 00:00:17.397 -- 00:00:19.941 Also note that this call is being recorded. 00:00:19.941 -- 00:00:23.947 I would like to turn the call over to Gretchen Kwan, Corporate Communications Lead. 00:00:23.947 -- 00:00:25.917 Please go ahead. 00:00:25.917 -- 00:00:30.924 Hello everyone and welcome to Money Hero 2025 Q4 and 4-Year Earnings 00:00:30.924 -- 00:00:35.410 Conference call. I'm Gretchen Kwan, Corporate Commissions Lead at Money Hero. 00:00:35.410 -- 00:00:39.596 Before we begin, I would like to remind you that today's call will include forward-looking 00:00:39.596 -- 00:00:44.583 statements which are inherently subject to risk and uncertainties and may not be realized 00:00:44.583 -- 00:00:49.390 in the future for various reasons as stated in our earnings release which was issued 00:00:49.390 -- 00:00:52.732 earlier today and is also available on our IR website. 00:00:52.732 -- 00:00:58.300 In addition, please note that today's discussion will include both IFRS and non-IFRS 00:00:58.300 -- 00:01:01.424 financial measures for comparison 00:01:01.424 -- 00:01:06.591 purpose only. For reconciliations of these non-IFRS measures to the most 00:01:06.591 -- 00:01:12.459 directly comparable IFRS measures, please refer to our earnings release and SEC filings. 00:01:12.459 -- 00:01:17.426 Lastly, a webcast replay and a script of this conference call will b...