Mapfre, S.A. (MPFRF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.955 Good morning and welcome to Marfa's full year 2025 activity update. 00:00:04.955 -- 00:00:09.099 This is Felipe Navarro, Deputy General Manager of the Finance Area. 00:00:09.099 -- 00:00:13.843 We are pleased to have here with us Antonio Huertas, the Group Executive Chairman. 00:00:13.843 -- 00:00:19.628 He will make a few opening remarks and will give an overview of business trends and developments. 00:00:19.628 -- 00:00:21.730 Following to that, 00:00:21.730 -- 00:00:27.195 José Luis Jiménez, the Group CFO, will give us a brief overview of the IFRS figures 00:00:27.195 -- 00:00:30.507 and will discuss the main financials under local accounting. 00:00:30.507 -- 00:00:35.153 I will walk you through the balance sheet and capital-related topics. 00:00:35.153 -- 00:00:38.357 Before we begin, just a few reminders. 00:00:38.357 -- 00:00:43.424 Interpretation services are available both here and online, so feel free to choose a 00:00:43.424 -- 00:00:46.588 language you prefer, either English or Spanish. 00:00:46.588 -- 00:00:49.452 At the end of the presentation, we will open up the Q&A. 00:00:49.452 -- 00:00:55.920 Questions can be made in either language. I will now hand the floor over to Antonio Huertas. 00:00:55.920 -- 00:01:00.990 Thank you, Felipe. Hello everyone and thank you for your time today, 00:01:00.990 -- 00:01:07.017 both of you here in person or those connected online. 00:01:07.017 -- 00:01:12.583 Firstly, I must express the Board of Directors' satisfaction 00:01:12.583 -- 00:01:18.590 with the results we have just presented. As you have seen, 2025 00:01:18.590 -- 00:01:23.615 was an excellent year for MAFRE. It was a year in which we exceeded 00:01:23.615 -- 00:01:28.956 our main business targets with significant improve...