Royal Bank Of Canada (RY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.177 by your conference is ready to begin. Good morning, ladies and gentlemen. 00:00:04.177 -- 00:00:08.944 Welcome to the RBC's 2025 Third Quarter Results Conference Call. 00:00:08.944 -- 00:00:11.748 Please be advised that this call is being recorded. 00:00:11.748 -- 00:00:17.156 I would now like to turn the meeting over to Asim Imran, Senior Vice President, Investor 00:00:17.156 -- 00:00:20.401 Relations. Please go ahead, sir. 00:00:20.401 -- 00:00:25.468 Thank you, and good morning, everyone. Speaking today will be Dave McKay, President 00:00:25.468 -- 00:00:30.760 and Chief Executive Officer, Catherine Gibson, Chief Financial Officer, and Graham 00:00:30.760 -- 00:00:35.926 Hepworth, Chief Risk Officer. Also joining us today for your question, 00:00:35.926 -- 00:00:41.032 Erica Nielsen, Group Head, Personal Banking, Shana Matagauji, Group Head, 00:00:41.032 -- 00:00:46.579 Commercial Banking, Neil McLaughlin, Group Head, Wealth Management, Derek Nelner, 00:00:46.579 -- 00:00:52.085 Group Head, Capital Markets, and Jennifer Publicover, Group Head, Insurance. 00:00:52.085 -- 00:00:56.671 As noted on slide two, our comments may contain forward-looking statements, which involve 00:00:56.671 -- 00:00:59.937 assumptions and have inherent risks and uncertainties. 00:00:59.937 -- 00:01:05.286 Actual results could differ materially. I would also remind listeners that the bank assesses 00:01:05.286 -- 00:01:10.634 its performance on a reported and adjusted basis and considers both to be useful 00:01:10.634 -- 00:01:13.619 in assessing underlying business performance. 00:01:13.619 -- 00:01:17.706 To give everyone a chance to ask questions, we ask that you limit your questions and 00:01:17.706 -- 00:01:21.732 then re-queue. With that, I'll tur...