Operator

Ladies and gentlemen, thank you for standing by. Welcome to the Bank Hapoalim First Quarter of 2026 Results Conference Call Webinar. For your convenience, this call will be accompanied by a presentation. May we suggest if you've not yet done so, that you access the presentation on the bank's website, www.bankhapoalim.com by clicking on Financial Information on the homepage and then click on the First Quarter 2026 Report Presentation. [operator instructions] As a reminder, this conference is being recorded, May 14, 2026. With us on the line today are Mr. Ram Gev, CFO; Mr. Victor Bahar, Chief Economist; and Ms. Tamar Koblenz, Head of Investor Relations. I would like to remind everyone that forward-looking statements for the respective company's business, financial condition 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, risks in 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. Mr. Gev, would you like to begin?

Ram Gev
Senior Deputy MD. CFO & Member of Management Board

Good afternoon to you all, and thank you for joining us today. I'm pleased to review the bank's 2026 first quarter results. Let's start with the highlights on Slide 3. The first quarter marks a strong start to the year with continued business momentum and our