Banco Do Brasil Sa S/Adr (BDORY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.237 Good morning and welcome to Sabadell's results presentation for the third quarter 00:00:05.237 -- 00:00:08.061 and first nine months of 2025. 00:00:08.061 -- 00:00:14.249 Today, we are joined by our CEO, César González Bueno, and our CFO, Sergio Palavecino. 00:00:14.249 -- 00:00:18.154 The presentation will follow a similar structure to previous quarters. 00:00:18.154 -- 00:00:23.060 Our CEO will start by sharing strategic priorities and then discuss the key developments 00:00:23.060 -- 00:00:28.214 of the quarter. Next, our CFO will provide a detailed review of financial 00:00:28.214 -- 00:00:33.710 performance and the balance sheet, before our CEO concludes with closing remarks. 00:00:33.710 -- 00:00:38.524 Finally, we will open the floor for a live Q&A session to address your questions. 00:00:38.524 -- 00:00:40.852 So, Cesar, over to you. 00:00:40.852 -- 00:00:45.702 Thank you, Juk. Good morning, everyone. Before sharing the results of the third quarter, 00:00:45.702 -- 00:00:51.494 I will start my presentation today with a reflection on Sabadell's evolution since 21, 00:00:51.494 -- 00:00:55.242 as well as the prospects for the upcoming years. 00:00:55.242 -- 00:01:00.447 In slide four... In early 2021, we launched a strategic plan focused on 00:01:00.447 -- 00:01:06.313 transforming each one of our businesses through specific levers 00:01:06.313 -- 00:01:11.879 for each one. This transformation would support the financial turnaround of the group. 00:01:11.879 -- 00:01:17.185 Since then, we have executed the strategy in a decisive and accelerated 00:01:17.185 -- 00:01:21.449 manner. We have talked about this many times. 00:01:21.449 -- 00:01:27.135 I won't elaborate into the details now. As a result of our transformation, 00:01...