Banco Itau Chile ADR

Hello, everyone. Ladies and gentlemen, thank you for standing by and welcome to the Banco Eto'o Chile 3rd Quarter 2024 Financial Results Conference Call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star and the number 1 on your telephone keypad. Please be advised that today's conference call is being recorded. If you require any assistance, please press star and then zero. I would now like to turn the conference over to your speaker for today, Claudia Laboe, Head of Investor Relations. Please begin. Thank you.

Good morning, everyone. Thank you for joining our third quarter 2024 conference call. I would like to remind you that our remarks may include forward-looking information. and our actual results could differ materially from what is discussed in this presentation. I would also like to draw your attention to the financial information included in this management discussion and analysis presentation, which is based on our managerial model in which we adjust for non-recurring events and apply managerial criteria to disclose our income statement. Please remember that since the second quarter 2019, we are presenting our income statement in the same manner as we do internally. This managerial financial model reflects how we measure, analyze, and discuss financial results by segregating commercial performance, financial risk management, credit risk management, and cost efficiency. We believe this way of presenting our results will give you a clearer and better view of our performance from these different perspectives. Please refer to pages 16 to 18 of our report for further details. Before moving on to the presentation, I am pleased to welcome Andrea Gainey, our CEO since October 1st, and Matias Valenzuela-Head, of Financial Planning Analysis and Capital, who are today here with me in Santiago. Good morning, Andre. Good morning, Matias.

Good morning. Thank you. Good morning. Thank you, everyone. It's a pleasure to be here today attending the conference call for our third quarter results. Claudia will continue with the presentation, and we will be available for questions.