Banco Do Brasil Sa S/Adr (BDORY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.099 Hello everyone, welcome to another videocast to talk about the result of the fourth quarter 00:00:05.099 -- 00:00:10.869 of Banco do Brasil. I am Janaine Stott, Head of Relations with BB Investors, 00:00:10.869 -- 00:00:16.097 and it is a pleasure to be here again with you, together with Giovanni Tobias, our 00:00:16.097 -- 00:00:21.227 CFO, and Marcelo Alexandre, our specialist in R&D. 00:00:21.227 -- 00:00:25.395 And to open up our conversation, I want to start by talking a little bit about the gardens, 00:00:25.395 -- 00:00:26.878 Giovanni. 00:00:26.878 -- 00:00:31.488 It was a challenging year, but as we can see here 00:00:31.488 -- 00:00:36.557 on the screen, we reached all the ranges, we were within all the ranges with 00:00:36.557 -- 00:00:38.620 the exception of agribusiness 00:00:38.620 -- 00:00:43.747 and here a lot due to the risk environment and the measures 00:00:43.747 -- 00:00:49.352 that we have been taking throughout the year to control inadimplency. 00:00:49.594 -- 00:00:54.861 But besides that, I wanted to hear a little bit from you about the composition of profit 00:00:54.861 -- 00:00:57.084 and your vision of this result. 00:00:57.084 -- 00:01:02.488 Well, just making one note here, When she says that we practically 00:01:02.488 -- 00:01:07.593 hit almost everything in the Guidance, it is important to remember that in 00:01:07.593 -- 00:01:11.777 2025 we had three Guidances. 00:01:11.777 -- 00:01:17.001 When we announced at the beginning of the year what we had as the best 00:01:17.001 -- 00:01:21.165 expectation and forecast for the year 2025, 00:01:21.165 -- 00:01:25.169 we did not imagine what would happen 00:01:25.169 -- 00:01:30.910 in terms of result and mainly in terms of forecast with the implementation...