Banco Itau Chile ADR

Ladies and gentlemen, thank you for standing by and welcome to the Banco Itaú Chile 4th Quarter 2025 Financial Results Conference Call. This presentation and the 4Q25 earnings release are available on our Investor Relations website. During the company's presentation, all microphones will be disabled. Later, we will begin the Q&A session. To ask questions on audio, click on Raise Hand and state your name and company. You will then receive a report.

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Good morning everyone and thank you for joining our fourth quarter 2025 conference call. My name is Matias Valenzuela, Head of Planning and Corporate Strategy at ITAU Chile. I'm here today with our CEO, Andre Gailey, our CFO, Emiliano Muratore, and our chief economist, Andres Perez. We are pleased to present our results for the fourth quarter of 2025. Before we begin, I would like to remind you that this presentation may include forward-looking statements. Actual results may differ maturely from those discussed. As always, we report under our managerial model, which reflects how we allocate capital, manage risk, and evaluate performance internally. This framework provides a transparent and consistent view of underlying earnings quality and aligned management decisions with shareholder value. For more details, please refer to our management commentary report. With that, I will now turn it over to our CEO, Andre Gehli, to continue the presentation. Good morning, Andre. Thank you, Matthias.