Banco Santander, S.A. (BNC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.959 -- 00:00:06.806 Good morning, everyone. Thank you for joining us 00:00:06.806 -- 00:00:10.811 for our fourth quarter 2025 earnings 00:00:10.811 -- 00:00:15.937 video conference call. We are live from our headquarters in São Paulo and we will divide 00:00:15.937 -- 00:00:21.083 this event into three parts. First, Mário Leão will address the main highlights 00:00:21.083 -- 00:00:26.607 of the quarter and the directions for growth in the coming periods. 00:00:27.048 -- 00:00:31.474 Gustavo Alejo will provide a detailed analysis of our performance. 00:00:31.474 -- 00:00:36.481 And finally, we'll have our Q&A session. I will now 00:00:36.481 -- 00:00:40.647 give you some instructions. We have three audio options on the screen. 00:00:40.647 -- 00:00:45.955 All the content in Portuguese, all the content in English, or the original 00:00:45.955 -- 00:00:51.080 audio. To choose your option, just click on the button in the 00:00:51.080 -- 00:00:56.348 bottom center of your screen to ask a question click the raise hand icon 00:00:56.348 -- 00:01:01.395 at the bottom of your screen the presentation we are about to give is now available 00:01:01.395 -- 00:01:06.563 for download on our ir website and now i'll turn the floor 00:01:06.563 -- 00:01:09.727 to mario to start the presentation 00:01:09.727 -- 00:01:12.208 good morning mario 00:01:13.433 -- 00:01:19.358 good morning camilla good morning everyone it's a great pleasure for me to be here to 00:01:19.664 -- 00:01:25.113 give you the wrap-up of 2025, because 26 is already 00:01:25.113 -- 00:01:29.300 in its second month. I would like to start by highlighting 00:01:29.300 -- 00:01:35.450 the main numbers. And as you can see, we deliver a sequential 00:01:35.450 -- 00:01:40.252 performance or net income of $4...