Banco Santander - Chile ADS (BSAC) Q3 2025 Earnings Call

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WEBVTT 00:00:00.183 -- 00:00:02.766 Ladies and gentlemen, thank you for standing by. 00:00:02.766 -- 00:00:07.933 And I'd like to welcome you to Banco Santander Chile's third quarter 2025 earnings 00:00:07.933 -- 00:00:12.259 conference call on the 5th of November, 2025. 00:00:12.259 -- 00:00:16.765 Please note that at this point, all participant lines are in listen-only mode. 00:00:16.765 -- 00:00:19.749 After the call, there'll be an opportunity to ask questions. 00:00:19.749 -- 00:00:24.776 So with this, I'll now like to pass the line to Patricia Perez, the chief financial officer. 00:00:24.776 -- 00:00:26.659 Please go ahead. 00:00:26.659 -- 00:00:31.294 Good morning, everyone. Patricia Perez- Welcome to Banco Santander Thiele's third quarter 00:00:31.294 -- 00:00:36.581 2025 results webcast and conference call. Patricia Perez- This is Patricia 00:00:36.581 -- 00:00:41.628 Perez, CFO, and I'm joined today by Christian Vicuña, head of strategy and IR, and Lorena 00:00:41.628 -- 00:00:46.795 Palomeque, our economist. Thank you everyone for joining us today for 00:00:46.795 -- 00:00:51.095 the review of our performance and results in the third quarter. 00:00:51.095 -- 00:00:56.103 Today, Lorena will start with an overview of the economic environment, and then Cristian 00:00:56.103 -- 00:01:00.890 will go through the key strategy points and the results of the bank in the third quarter 00:01:00.890 -- 00:01:06.078 of the year. After that, we will have a Q&A session where we will be happy 00:01:06.078 -- 00:01:11.346 to answer your questions. So let me hand over to Lorena. 00:01:11.346 -- 00:01:16.895 Thanks, Patricia. During the third quarter of 2025, we observed positive economic 00:01:16.895 -- 00:01:22.178 indicators in the Chilean economy. Preliminary MACEX figure...