Unicaja Banco, S.A. (UNJCF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone, and thank you very much for attending Unicaja's Q4 2025 earnings presentation. First of all, as we usually do, let me confirm that this morning, before the market opened, we published this presentation, along with the rest of the usual financial information at the CNMV website and at our corporate website. Today, we are joined by our CEO, Isidro Rubiales, and our Chief Financial Officer, Pablo González. We have divided the presentation into three sections. Isidre will begin with the introduction which includes a summary of the financial year and a brief review of the first year of the strategic plan. Pablo will explain the financial earnings and after which Isidre will return to the stage to conclude with some final remarks before opening the floor to your questions. We expect the presentation to last just over half an hour. After the presentation, we will take questions from analysts and investors who are following us by telephone on the original Spanish line. And then we will move on to the English telephone line. So without further ado, I give the floor to Isidro. Thank you very much and good morning, everyone. It's a pleasure for me to be here again, sharing with all of you the key highlights of the 2025 earnings, which, as Jaime mentioned, is the first year of the strategic plan. And as you will see, we are making good progress. which is also beginning to be reflected in the entity's financial performance. The strategic plan is designed for the long term, and many of the results and returns we expect to obtain will take time to be reflected. But it's true that some of these measures implemented are already allowing us to move in the right direction with some clear results in the first year of the plan. On page three, we show our usual sum...