Magda Palczynska
Head of Investor Relations
Replay available
Unicredito Spa Ord New (OTC: UNCFF) Q4 2025 earnings conference call, held 2026-02-09. Replay captured from the company's public earnings webcast.

Head of Investor Relations
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WEBVTT 00:00:00.031 -- 00:00:02.835 Good morning, ladies and gentlemen. Before I hand over to Ms. 00:00:02.835 -- 00:00:08.283 Magda Palczynska, Head of Investor Relations, a reminder that today's call is being recorded. 00:00:08.283 -- 00:00:10.666 Ma'am, you may begin. 00:00:10.666 -- 00:00:15.934 Good morning, and welcome to Unicredit's fourth quarter and full year 2025 results conference 00:00:15.934 -- 00:00:20.421 call. Andrea Orchel, our CEO, will take you through the presentation. 00:00:20.421 -- 00:00:26.089 This will be followed by a Q&A session with Andrea and Stefano Porro, our CFO. 00:00:26.089 -- 00:00:31.474 Please limit yourself to two questions. Andrea, please go ahead. 00:00:32.887 -- 00:00:35.534 Good morning and thank you for joining us. 00:00:35.534 -- 00:00:40.666 I'm proud to present our record fourth quarter result, crowning our best 00:00:40.666 -- 00:00:45.839 year ever and concluding five years of Unicredit Unlocked. 00:00:45.839 -- 00:00:50.453 Unicredit Unlocked was a transformation beyond what anyone thought possible. 00:00:50.453 -- 00:00:56.038 It released Unicredit's potential, taking us from laggard to leader among legacy banks, 00:00:56.038 -- 00:01:01.083 and set a new benchmark for banking. It allowed us to lead the way in all metrics, 00:01:01.083 -- 00:01:04.125 including profitable growth and distribution. 00:01:04.125 -- 00:01:09.450 It exceeded all the KPIs we set for ourselves and built an incredible momentum 00:01:09.450 -- 00:01:12.032 that sets us apart today. 00:01:12.032 -- 00:01:17.097 Some teams might see this achievement as a reason to pause and reflect, 00:01:17.097 -- 00:01:22.532 but not this team. This team is taking this momentum and using it to dramatically increase 00:01:22.532 -- 00:01:27.657 our aspirations,...