Credicorp Ltd. (BAP) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.957 Good morning, everyone. I would like to welcome you to the Credit Corp Limited Third 00:00:04.957 -- 00:00:07.860 Quarter 2025 Conference Call. 00:00:07.860 -- 00:00:11.885 A slide presentation will accompany today's webcast, which is available in the Investor 00:00:11.885 -- 00:00:14.789 section of Credit Corp's website. 00:00:14.789 -- 00:00:17.572 Today's conference call is being recorded. 00:00:17.572 -- 00:00:20.556 As a reminder, all participants will be in a listen-only mode. 00:00:20.556 -- 00:00:23.760 There will be an opportunity for you to ask questions at the end of today's presentation. 00:00:23.760 -- 00:00:28.926 If you would like to ask a question, please signal by pressing star and then 1 on 00:00:28.926 -- 00:00:34.038 your telephone keypads. If you have connected to the call using the HD web phone on your 00:00:34.038 -- 00:00:38.223 computer, please use the keypad on your computer screen. 00:00:38.223 -- 00:00:42.609 If you're using a speaker phone, we do ask that you please make sure that the mute function 00:00:42.609 -- 00:00:46.771 is turned off to allow your signal to reach our equipment. 00:00:46.874 -- 00:00:51.459 Now it is my pleasure to turn the conference call over to Credit Corp's IRO, Milagros 00:00:51.459 -- 00:00:52.941 Siglinas. You may begin. 00:00:52.941 -- 00:00:54.941 Thank 00:00:55.364 -- 00:01:00.248 you, and good morning, everyone. Speaking on today's call will be Gianfranco Ferrari, 00:01:00.248 -- 00:01:05.576 our Chief Executive Officer, and Alejandro Perez Reyes, our Chief Financial Officer. 00:01:05.576 -- 00:01:10.523 Participating in the Q&A session will also be Francesca Rajo, Chief Innovation Officer, 00:01:10.523 -- 00:01:15.932 Cesar Rios, Chief Risk Officer, Tero Travesan, CFO ...