Otp Bank S/Adr R (OTPGF) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.297 Ladies and gentlemen, welcome to OTP Bank's conference call regarding the financial results 00:00:05.297 -- 00:00:08.538 for the first nine months 2025. 00:00:08.580 -- 00:00:11.643 Please be advised that the conference will be recorded. 00:00:11.643 -- 00:00:15.087 Kindly note that all participants will be in a listen-only mode. 00:00:15.087 -- 00:00:19.211 Following the presentation, there will be an opportunity to ask questions. 00:00:19.211 -- 00:00:22.415 At this point, I would like to hand over the floor to Mr. 00:00:22.415 -- 00:00:26.619 Laszlo Bencik, Chief Financial and Strategic Officer. 00:00:26.619 -- 00:00:29.967 Laszlo, the stage is yours. 00:00:29.967 -- 00:00:33.351 Thank you and thank you everyone for joining us today. 00:00:33.351 -- 00:00:38.254 Good morning or good afternoon, depending where you are. 00:00:39.057 -- 00:00:44.523 Let me jump into the presentation. As usual, the 00:00:44.523 -- 00:00:50.089 DAC is available for download in the website, but we're also 00:00:50.089 -- 00:00:52.869 projecting it 00:00:52.872 -- 00:00:55.813 parallel to the to 00:00:55.855 -- 00:01:00.325 the conf call. So maybe we go to page three. 00:01:00.325 -- 00:01:05.733 There we have the most important numbers, yes. 00:01:05.733 -- 00:01:09.735 So first of all, we 00:01:09.979 -- 00:01:15.406 have this kind of noise in the data due to the fact that 00:01:15.406 -- 00:01:20.413 many, most of these extra taxes or all the extra taxes in 00:01:20.413 -- 00:01:25.621 Hungary were booked in the first quarter for the entire year and some 00:01:25.621 -- 00:01:30.582 other supervisory fees as well in various other countries. 00:01:30.582 -- 00:01:34.785 Therefore, if you want to properly 00:01:35.789 -- 00:01:41.176 capture the busin...