Israel Discount Bank Limited (ISDAY) Q4 2025 Earnings Call Transcript

SA Transcripts158.9K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call Israel Discount Bank Limited (ISDAY) Q4 2025 Earnings Call March 10, 2026 9:00 AM EDT Company Participants Avraham Levi - President & CEOMorris Dorfman - Executive VP & Head of the Strategy, Finance and Subsidiaries Division Conference Call Participants Chris Reimer - Barclays Bank PLC, Research DivisionLiran Lublin - Israel Brokerage & Investments I.B.I. Ltd., Research Division Presentation Operator Ladies and gentlemen, thank you for standing by. Welcome to the Israel Discount Bank Full Year and Fourth Quarter 2025 Results Conference Call. [Operator Instructions] As a reminder, this conference is being recorded on March 10, 2026. In today's conference call, Mr. Avi Levi, CEO, will first present the 2025 financial highlights and the main takeaway points. Mr. Morris Dorfman, CFO, will then review the fourth quarter financial results. If you have not yet done so, we recommend downloading the presentation from the financial results of the bank's website, investors.discountbank.co.il. I would like to remind everyone that forward-looking statements for the respective company's business, financial conditions and results of its operations are subject to risks and uncertainties that could cause actual results to differ materially from those contemplated. Such forward-looking statements include, but are not limited to, product demand, pricing, market acceptance, changing economic conditions, risk and product and technology development and the effect of the company's accounting policies as well as certain other risk factors, which are detailed from time to time in the company's filings with the various securities authorities. I will now hand over the call to Mr. Avi Levi. Mr. Levi, would you like to begin, please? Avraham LeviPresident & CEO Thank you very much, and good afternoon, everyone. Thanks for joining us in our annual investor call. On this call, we will summarize the main events that shaped 2025, how Israel Discount Bank faired through those challenges and how