Royal Bank Of Canada (RY) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.352 -- 00:00:05.458 Good morning, ladies and gentlemen. Welcome to RBC's 2025 Fourth Quarter 00:00:05.458 -- 00:00:11.246 Results Conference Call. Please be advised that this call is being recorded. 00:00:11.246 -- 00:00:15.311 All lines have been placed on mute to prevent any background noise. 00:00:15.311 -- 00:00:19.316 After the speaker's remarks, there will be a question and answer session. 00:00:19.316 -- 00:00:23.121 If you would like to ask a question during this time, simply press star followed by the 00:00:23.121 -- 00:00:27.606 number one on your telephone keypad. If you would like to withdraw your question, press 00:00:27.606 -- 00:00:32.226 star one again. Thank you. I would now like to turn the meeting over to Awesome Imran. 00:00:32.226 -- 00:00:33.987 Please go ahead. 00:00:33.987 -- 00:00:39.212 Thank you, and good morning, everyone. Speaking today will be Dave McKay, President 00:00:39.212 -- 00:00:44.217 and Chief Executive Officer, Catherine Gibson, Chief Financial Officer, and 00:00:44.217 -- 00:00:49.442 Graham Hepler, Chief Risk Officer. Also joining us today for your questions, 00:00:49.442 -- 00:00:54.527 Erica Nielsen, Group Head, Personal Banking, Shana Matagauji, Group Head, Commercial 00:00:54.527 -- 00:00:59.532 Banking, Neil McLaughlin, Group Head, Wealth Management, Derek Nelner, 00:00:59.532 -- 00:01:04.979 Group Head Capital Markets, and Jennifer Publicover, Group Head Insurance. 00:01:04.979 -- 00:01:09.745 As noted on slide two of the quarterly slides and the strategic update, our comments 00:01:09.745 -- 00:01:14.231 may contain forward-looking statements, which involve assumptions and have inherent risks 00:01:14.231 -- 00:01:17.975 and uncertainties. Actual results could differ materially. 00:01:17.975 -- 00:01:2...