Jakub Cerny
Head of Investor Relations
So good afternoon, women and gents. We’ll come from Komercni banka and thanks for sharing your time with us right now. It’s the sixth of February 2026, and we’re going to talk about the outcomes of Komercni banka Group for the fourth quarter and for the complete yr 2025. Please be aware that this name is being recorded.
As we speak, we now have your entire Board of Administrators collectively in a single room led by the Chairman and CEO of Komercni banka, Jan Juchelka; and we even have Margus Simson, Chief Digital Officer; Miroslav Hirsl, Head of Retail Banking; Katarina Kurucova, Head of Company and Funding Banking; Anne de Kouchkovsky, Chief Danger Officer; Jitka Haubova, Chief Operations Officer; and we them, in fact, Etienne Loulergue, our Chief Monetary Officer.
As at all times, we are going to start with the presentation of outcomes, which will probably be adopted by a questions-and-answer session. (Operator Directions)
Now let me ask the CEO, Jan Juchelka, to start the presentation. Thanks.
Jan Juchelka
Chairman of the Board & CEO
Thanks, Jakub. Howdy, everybody. Thanks for sharing your time with us. We very recognize your consideration you pay to Komercni. It is my pleasure along with the administration group to steer you thru the presentation of This fall 2025 outcomes and the complete yr 2025 outcomes.