Financiera Independencia S.A.B. de C.V. SOFOM E.N.R. (FNCR.F) Q3 2025 Earnings Call Transcript

Operator

Good morning, everyone, and welcome to Financiera Independencia’s 2025 Third Quarter Results Conference Call. My name is Sophia, and I will be your operator for today’s call. [Operator Instructions]. FINDEP released its earnings report yesterday after the market closed. If you did not receive the report, please contact FINDEP’s IR department directly, and they will e-mail it to you. As a reminder, this video conference is being recorded.

Joining us today from Financiera Independencia is Mr. Eduardo Messmacher, Chief Executive Officer; and Mr. Jose Maria Cid, Chief Financial Officer. I would now like to turn the call over to Mr. Jose Maria Cid. Mr. Cid, you may begin.

Jose Maria Cid Michavila
Chief Financial Officer

Good morning. Thank you for joining FINDEP’s third Quarter Results 2025 Conference Call. We published these results yesterday, which are available on our Investors Relations website, findep.mx. I would like to remind you that the information shared during this conference call may include forward-looking statements and as such, are subject to assumptions, uncertainties, risks and other factors that could cause actual results to differ materially from those described, including risks that may be beyond the company’s control. Now I will turn the call over to Eduardo Messmacher.

Eduardo Bernhart Messmacher Henríquez
CEO, General Director & Director

Thank you, Jose Maria. Good morning, everyone. We’re pleased to share our third quarter results, which continue to demonstrate the progress across our businesses. Earnings performance once again highlights the stability of our core operations the strategic benefits of our ongoing investments in