Banco BBVA Argentina S.A. ADS (BBAR) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.119 Good morning, everyone, and welcome to BBVA Argentina's 4th Q25 and 00:00:05.119 -- 00:00:10.627 Fiscal Year 2025 Results Conference Call. Today with us are Mrs. 00:00:10.627 -- 00:00:15.714 Belen Forcade, Investor Relations Manager, Diego Cesarini, IRO, 00:00:15.714 -- 00:00:20.281 and Mrs. Carmen Murillo, CFO, who will be available for the Q&A session. 00:00:20.281 -- 00:00:25.306 This presentation and the 4Q25 earnings release are available 00:00:25.306 -- 00:00:30.148 on BBVA's Investor Relations website, ir.bbva.com.ar, 00:00:31.491 -- 00:00:35.074 and will also be available for download in the chat. 00:00:35.074 -- 00:00:38.898 First of all, let me point out that some of the statements made during this conference 00:00:38.898 -- 00:00:43.722 call may be forward-looking statements within the meaning of the safe harbor provisions 00:00:43.722 -- 00:00:49.027 found in Section 27A of the Securities Act of 1933 under U.S. 00:00:49.027 -- 00:00:54.633 federal securities law. These forward-looking statements are subject to risks and uncertainties 00:00:54.633 -- 00:00:59.739 that could cause actual results to differ materially from those expressed in the forward-looking 00:00:59.739 -- 00:01:01.220 statements. 00:01:01.220 -- 00:01:06.266 Additional information concerning these factors is contained in BBVA Argentina's annual 00:01:06.266 -- 00:01:11.472 report on Form 20F for the fiscal year 2024, filed with the U.S. 00:01:11.472 -- 00:01:14.365 Securities and Exchange Commission. 00:01:14.365 -- 00:01:18.630 During the company's presentation, all microphones will be disabled. 00:01:18.630 -- 00:01:22.275 At this time, we are going to open it up for questions and answers. 00:01:22.275 -- 00:01:26.560 If you have a question, please w...