Operator
Women and gents, thanks for standing by. Welcome to the Israel Low cost Financial institution Full 12 months and Fourth Quarter 2025 Outcomes Convention Name. (Operator Directions) As a reminder, this convention is being recorded on March 10, 2026. In at present’s convention name, Mr. Avi Levi, CEO, will first current the 2025 monetary highlights and the principle takeaway factors. Mr. Morris Dorfman, CFO, will then overview the fourth quarter monetary outcomes. When you’ve got not but accomplished so, we advocate downloading the presentation from the monetary outcomes of the financial institution’s web site, buyers.discountbank.co.il.
I want to remind everybody that forward-looking statements for the respective firm’s enterprise, monetary circumstances and outcomes of its operations are topic to dangers and uncertainties that would trigger precise outcomes to vary materially from these contemplated. Such forward-looking statements embody, however will not be restricted to, product demand, pricing, market acceptance, altering financial circumstances, threat and product and know-how improvement and the impact of the corporate’s accounting insurance policies in addition to sure different threat components, that are detailed every now and then within the firm’s filings with the assorted securities authorities.
I’ll now hand over the decision to Mr. Avi Levi. Mr. Levi, would you want to start, please?
Avraham Levi
President & CEO
Thanks very a lot, and good afternoon, everybody. Thanks for becoming a member of us in our annual investor name. On this name, we are going to summarize the principle occasions that formed 2025, how Israel Low cost Financial institution faired by way of these challenges and the way