Royal Bank Of Canada (RY) Q2 2025 Earnings Call

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WEBVTT 00:00:00.976 -- 00:00:05.363 All participants, please stand by. Your conference is now ready to begin. 00:00:05.363 -- 00:00:10.891 Good morning, ladies and gentlemen, and welcome to the RBC's 2025 Second 00:00:10.891 -- 00:00:13.736 Quarter Results Conference Call. 00:00:13.736 -- 00:00:17.422 Please be advised that this call is being recorded. 00:00:17.422 -- 00:00:22.510 I would now like to turn the meeting over to Asim Imran, Senior Vice President, Investor 00:00:22.510 -- 00:00:25.614 Relations. Please go ahead, sir. 00:00:25.614 -- 00:00:30.594 Thank you, and good morning, everyone. Speaking today will be Dave McKay, President and 00:00:30.594 -- 00:00:35.661 Chief Executive Officer, Catherine Gibson, Chief Financial Officer, and Graham 00:00:35.661 -- 00:00:41.249 Hepworth, Chief Risk Officer. Also joining us today for your questions, Erica Nielsen, 00:00:41.249 -- 00:00:46.376 Group Head Personal Banking, Shana Matagotchi, Group Head Commercial Banking, 00:00:46.376 -- 00:00:51.543 Neil McLaughlin, Group Head Wealth Management, Derek Nelner, Group Head Capital 00:00:51.543 -- 00:00:55.702 Markets, and Jennifer Publicover, Group Head Insurance. 00:00:55.702 -- 00:01:00.527 As noted on slide two, our comments may contain forward-looking statements which involve 00:01:00.527 -- 00:01:04.311 assumptions and have inherent risks and uncertainties. 00:01:04.311 -- 00:01:09.717 Actual results could differ materially. I would also remind listeners that the bank assesses 00:01:09.717 -- 00:01:14.822 its performance on a reported and adjusted basis and considers both to be 00:01:14.822 -- 00:01:18.125 useful in assessing underlying business performance. 00:01:18.125 -- 00:01:22.770 To give everyone a chance to ask questions, we ask that you limit your questions a...