Banco Del Bajio Shs Of Bk (BBAJF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to Banco del Bajio's fourth quarter and full year 2025 results conference call. My name is Ana and I will be your coordinator today. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. Before we begin the call today, I would like to remind you that forward-looking statements made during today's conference call do not account for future economic circumstances, industry conditions, company performance, and financial results. These statements are subject to a number of risks and uncertainties. Please note that this video conference is being recorded. Joining us today from Ban Bajio are Mr. Carlos de la Cerda, Executive Vice Chairman of the Board of Directors. Mr. Edgardo del Rincón, Chief Executive Officer. Mr. Joaquin Domínguez, Chief Financial Officer. And Mr. Rodrigo Marimón, Investor Relations Officer. They will be available to answer your questions during the Q&A session. For opening remarks and introductions, I would now like to turn the call over to Mr. Rodrigo Marimón. Mr. Marimón, you may begin. Good morning, everyone. Thank you for joining us to discuss Bambagio's results for the fourth quarter and full fiscal year 2035. Today, we will review our quarterly and annual performance, analyze the key drivers and financial trends, and share our strategic outlook for 2036. The industry data cited today throughout the presentation is based on CNBB's information as of November 2035, which is the most recent publicly available data. Without any further ado, let's start with the presentation. Starting on slide 3 with a look at our key financial highlights for the quarter and full year 2025, it was a year of solid execution despite the challenging operating enviro...