Otp Bank S/Adr R (OTPGF) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.397 Ladies and gentlemen, welcome to OTP Bank's first quarter 2026 results 00:00:05.397 -- 00:00:10.564 conference call. Please be advised that this event is being recorded. 00:00:10.564 -- 00:00:14.829 During the presentation, all participants will remain in a listen-only mode. 00:00:14.829 -- 00:00:19.835 Following the formal remarks, there will be an opportunity to ask questions. 00:00:19.835 -- 00:00:22.898 At this point, I would like to hand over the floor to Mr. 00:00:22.898 -- 00:00:27.384 Laszlo Bencik, Chief Financial and Strategic Officer. 00:00:27.384 -- 00:00:30.693 Laszlo, the stage is yours. 00:00:30.693 -- 00:00:32.937 Thank you. 00:00:32.937 -- 00:00:37.585 Good morning or good afternoon, depending where you are, and thank you for joining us 00:00:37.585 -- 00:00:39.989 today on OTP 00:00:39.989 -- 00:00:42.253 Group's 2026 00:00:42.253 -- 00:00:45.094 First Quarter Results 00:00:45.418 -- 00:00:49.325 Conference Call. You have the 00:00:49.325 -- 00:00:54.875 Stock Exchange Report, the Analyst Tables, and the today presentation 00:00:54.875 -- 00:00:59.963 available on the website. We are also broadcasting the slides 00:00:59.963 -- 00:01:05.271 as usual as part of this video call. 00:01:05.271 -- 00:01:08.213 As usual, I 00:01:08.236 -- 00:01:11.458 will make an attempt to summarize 00:01:12.423 -- 00:01:17.672 the main developments of the events during the first quarter, and then 00:01:17.672 -- 00:01:22.940 we will open the floor for your very good usual questions. 00:01:22.940 -- 00:01:28.454 So the first page It has been pretty stable for 00:01:28.454 -- 00:01:32.601 a long number of years now, which I think is a good sign, by the way. 00:01:32.601 -- 00:01:37.666 I think it's quite good that the most important 00...