Mapfre, S.A. (MPFRF) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.667 Good morning and welcome to MOPFRI's activity update for the third quarter of 2025. 00:00:05.667 -- 00:00:09.273 This is Leandra Clark, Head of Investor Relations and Capital Markets. 00:00:09.273 -- 00:00:14.461 Thank you for joining us today. We are pleased to have here with us José Manuel Enchausti, 00:00:14.461 -- 00:00:19.249 Vice President of MOPFRE, who will provide some opening remarks and an overview of recent 00:00:19.249 -- 00:00:24.438 business trends. Following that, José Luis Jiménez, our Group CFO, 00:00:24.438 -- 00:00:29.506 will discuss the main financials, and Felipe Navarro, Deputy General Manager of the 00:00:29.506 -- 00:00:32.701 Finance Area, will walk us through the balance sheet. 00:00:32.701 -- 00:00:38.511 As a reminder, we report IFRS financial information on a half year basis. 00:00:38.511 -- 00:00:43.158 The information in this activity update is prepared under the accounting policies applicable 00:00:43.158 -- 00:00:48.187 in each country, which generally do not apply IFRS 17 and nine. 00:00:48.187 -- 00:00:52.554 You can use the ask a question link at any point during the call, and we will open up 00:00:52.554 -- 00:00:55.138 the Q&A session at the end of the presentation. 00:00:55.138 -- 00:01:00.023 I will now hand the floor over to Jose Manuel Enchausti. 00:01:01.928 -- 00:01:06.893 Thank you, Leandra. Hello, everyone, and thank you for your time today. 00:01:06.893 -- 00:01:11.798 Let me share some highlights of the quarter before José Luis and Felipe walk you through 00:01:11.798 -- 00:01:17.705 the details. Results have been excellent with higher profitability in all regions 00:01:17.705 -- 00:01:22.730 and in our main business units. We are outperforming almost all 00:01:22.730 -- 00:01:28.24...