Banco Santander - Chile ADS (BSAC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.374 Thank you. Please hold. 00:00:02.374 -- 00:00:08.183 I would like to welcome you to Banco Santander Chile's fourth quarter 2025 earnings 00:00:08.183 -- 00:00:12.366 conference call on the 5th of February, 2026. 00:00:12.409 -- 00:00:16.876 Please note that at this point, all participant lines are in listen-only mode. 00:00:16.876 -- 00:00:20.100 After the call, there will be an opportunity to ask questions. 00:00:20.100 -- 00:00:24.667 So with this, I would now like to pass the line to Patricia Perez, the Chief Financial 00:00:24.667 -- 00:00:27.723 Officer. Please go ahead. 00:00:27.723 -- 00:00:33.610 Good morning, everyone, and welcome to San Carlos Santander City's Fourth Quarter 2025 00:00:33.610 -- 00:00:38.797 Results Webcast and Conference Call. This is Patricia Perez, CFO, and I'm 00:00:38.797 -- 00:00:44.003 joined today by Cristian Micuña, Head of Strategy and Investor Relations, and Lorena 00:00:44.003 -- 00:00:49.050 Padomeque, our Economist. Thank you all for joining us today as 00:00:49.050 -- 00:00:53.916 we review our performance and results for the fourth quarter. 00:00:53.916 -- 00:00:58.994 Lorena will begin with an overview of the economic environment followed by Christiane, 00:00:58.994 -- 00:01:04.440 who will walk you through our strategic priorities and forward the results. 00:01:04.440 -- 00:01:08.884 We will then conclude with a Q&A session. 00:01:08.884 -- 00:01:09.665 Thank you. 00:01:09.665 -- 00:01:12.265 Throughout 2025, 00:01:13.048 -- 00:01:17.993 Chile's macroeconomic environment continued to improve gradually after several years 00:01:17.993 -- 00:01:23.458 of significant adjustment. Inflation maintained a clear downward trend and continued 00:01:23.458 -- 00:01:28.658 converging toward targets....