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Q1 2019 Banco Santander-Chile Earnings Call Transcript
Good day, ladies and gentlemen, and thank you for standing by. Welcome to the First Quarter 2019 Banco Santander-Chile Earnings Conference Call. (Operator Instructions)
Now it's my pleasure to turn the call to our Chief Financial Officer, Emiliano Muratore.
Good afternoon, everyone. Welcome to Banco Santander-Chile's First Quarter 2019 Results Webcast and Conference Call. This is Emiliano Muratore, CFO. And I'm joined today by Robert Moreno, Manager of Investor Relations; and our Chief Economist, Claudio Soto. Thank you for attending today's conference call.
As you will see in the rest of the presentation, the first quarter was challenging from an inflation and rate environment with inflation rapidly slowing down and Central Bank still rising short-term rates. Given the structure of our balance sheet, this is negative for our margins and ROE in the short-term. The bank proactively confronted that this situation, significantly outperforming our competitors in this environment. Additionally, we
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