Credicorp Ltd. (BAP) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone. I would like to welcome you to the Credit Corp Limited Third Quarter 2025 Conference Call. A slide presentation will accompany today's webcast, which is available in the Investor section of Credit Corp's website. Today's conference call is being recorded. As a reminder, all participants will be in a listen-only mode. There will be an opportunity for you to ask questions at the end of today's presentation. If you would like to ask a question, please signal by pressing star and then 1 on your telephone keypads. If you have connected to the call using the HD web phone on your computer, please use the keypad on your computer screen. If you're using a speaker phone, we do ask that you please make sure that the mute function is turned off to allow your signal to reach our equipment. Now it is my pleasure to turn the conference call over to Credit Corp's IRO, Milagros Siglinas. You may begin. Thank you, and good morning, everyone. Speaking on today's call will be Gianfranco Ferrari, our Chief Executive Officer, and Alejandro Perez Reyes, our Chief Financial Officer. Participating in the Q&A session will also be Francesca Rajo, Chief Innovation Officer, Cesar Rios, Chief Risk Officer, Tero Travesan, CFO of Insurance and Pensions, and Rocío Benavides, MiBanco Chief Financial Officer. Before we proceed, I would like to make the following safe harbor statement. Today's call will contain forward-looking statements which are based on management's current expectations and beliefs and are subject to a number of risks and uncertainties. And I refer you to the forward-looking statements section of our earnings release and recent filings with the SEC. We assume no obligation to update or revise any forward-looking statements to reflect new or changed events or ...