Financial Data and Key Metrics Changes - The return on equity for 2025 was 13.2%, exceeding initial guidance [5] - Total sustainable volume mobilized reached EUR 166 billion, a 28% year-on-year increase [5] - Commercial net interest income (NII) remained strong at EUR 15.3 billion despite lower interest rates [5][6] - Total income reached a record level for the third consecutive year [6] Business Line Data and Key Metrics Changes - The loan book grew by 8.3% in 2025, primarily driven by residential mortgages [4] - The deposit book increased by 5.5%, mainly in retail banking from private individuals [4] - Fee income grew by 15% year-on-year, with investment products seeing a 21% increase in fee income [5][6] Market Data and Key Metrics Changes - Customer deposit growth was 4.5% in 2025, supported by customer acquisition and promotional campaigns [19] - The company maintained its number one position in five out of ten markets in retail banking [7] Company Strategy and Development Direction - The company aims for continued volume growth, projecting total income to reach around EUR 24 billion in 2026 [9] - A focus on cost discipline and operational efficiency is emphasized, with operating expenses projected to be around EUR 12.6 billion to EUR 12.8 billion [9] - The company plans to issue between EUR 6 billion and EUR 8 billion of Holdco Senior in 2026 [16] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strength and quality of the loan book despite a slight increase in the Stage Three ratio [11] - The company anticipates a 5%-10% increase in fee income for 2026, building on strong performance in 2025 [10] - Management highlighted the importance of being self-sufficient and not relying on central bank operations, although they remain open to utilizing MROs or LTROs if necessary [25] Other Important Information - The CET1 ratio decreased to 13.1% due to an additional distribution of EUR 1.6 billion [14] - The company has a stable liquidity profile, with over two-thirds of the balance sheet funded by customer deposits [19] Q&A Session Summary Question: Plans for tapping the ECB, MROs, and LTROs - Management stated that they prefer to be self-sufficient but may consider drawing on MROs or LTROs if necessary, particularly for economic reasons [25][26]

A chatbot offers personalised counsel on faith https://t.co/Ra4WZKX8gE ...

On the character AI app, there are lots of kind of madeup characters, but then there are other chat bots that are based on or impersonating real people. And one of those chat bots was me. >> So, you can see we kind of have a little bit of a chat. Um, and I ask you about animal movies and you say, >> "Gh, not if they've got dogs in them. You know how I feel about those stinky, drooling creatures. Worst animals on the planet.But cat movies, now that's a different story. >> They made my persona with some infor ...

Behind OpenAI's "code red" moment: dial back on the grand plans for research greatness and just give the people the chatbot they want https://t.co/Qixm94TEwf ...

Want to get access right now?It is by and far the best chatgot for all things cryptoSIGNIFICANTLY better than any existing chatbot im sure you are using.Skip the wait and get access right now.https://t.co/DsntLjzWht ...

I pushed a chatbot through several millennia of linguistic evolution. An AI from the year 5000 lectured me about pronouns. https://t.co/DXckeOgYHI ...

Shares of Alibaba rallying today after the Chinese tech giant announced its updated consumer chatbot has reached 10 million downloads just a week after it was relaunched. Dear Draosa has more in today's tech check. So I I guess that catches your attention that number.Dearra, it does. It's a pretty explosive uptake and that's of course its new Quen chatbot. It's also proof point for Alibaba much like Gemini 3 was for Google last week.not just a good product launch, but evidence the company has something that ...

Elon Musk's chatbot went viral for declaring him the most wonderful man on earth—fitter than LeBron, smarter than da Vinci, and definitely not biased at all. https://t.co/Z9L0DUV6xa ...

Traffic Analysis - Reddit's traffic from chatbot answers is not significant [1]

Does it seem like your chatbot makes it hard for you to sign off? That’s intentional https://t.co/hdj6EORHLy ...