Emiliano Muratore | Chief Financial Officer |
Sindy Olea | Economist |
Robert Moreno | Managing Director-Investor Relations |
Claudio Soto | Chief Economist |
Ernesto Gabilondo | Bank of America |
Jason Mollin | Scotiabank |
Tito Labarta | Goldman Sachs |
Yuri Fernandes | JPMorgan |
Alonso Garcia | Credit Suisse |
Jorg Friedemann | Citibank |
Neha Agarwala | HSBC |
Ladies and gentlemen, thank you for standing by, and welcome to the Fourth Quarter 2020 Banco Santander-Chile Earnings Conference Call. At this time, all participants are in a listen-only mode. After the presentation, there will be a question-and-answer session. [Operator Instructions] I will now hand the conference over to the Chief Financial Officer, Mr. Emiliano Muratore.