Core Insights - Appian is a process automation platform that addresses mission-critical use cases, particularly in highly regulated industries [1] Group 1: Customer Use Cases - A major global asset manager has automated its customer onboarding and management processes, transitioning from a manual approach to achieve cost savings and revenue growth [2] - A leading Australian bank is utilizing Appian for credit card dispute resolution, replacing a cumbersome internal application [2]

Group 1 - Appian's CFO, Serge Tanjga, will present at the Morgan Stanley Technology, Media & Telecom Conference on March 2, 2026 [1] - The presentation will be available via live webcast and replays will be accessible on the company's investor relations website [1] Group 2 - Appian specializes in process automation technology, serving large enterprises and governments [2] - The company has been automating processes for 25 years, emphasizing its reliability and scale in enterprise operations [2]

Core Viewpoint - Appian is set to release its financial results for Q4 and the full year of 2025 on February 19, 2026, before the U.S. markets open [1] Group 1: Financial Results Announcement - The financial results will cover the fourth quarter and the full year ended December 31, 2025 [1] - A conference call and live webcast will be held to discuss the financial results and business outlook [1] Group 2: Conference Call Details - The conference call is scheduled to begin at 8:30 a.m. Eastern Time [2] - Participants can join the call via a registration link and will need a phone with a dial-in and PIN [2] - A replay of the conference call will be available on the Investor Relations page of the company's website after the live event [2] Group 3: Company Overview - Appian specializes in process automation for large enterprises and governments [3] - The company has been automating complex processes for 25 years, emphasizing its reliability and scalability [3]

Financial Data and Key Metrics Changes - Banco Santander Chile reported a net income of CLP 798 billion for Q3 2025, representing a 37% year-over-year increase, with a return on equity (ROE) of 24% and an efficiency ratio of 35.9% [11][12] - Net interest income increased by 17% year-over-year, maintaining a net interest margin (NIM) of 4% [12][13] - The recurrence ratio reached 62% year-to-date, indicating that over 60% of expenses were financed by fee generation [15] Business Line Data and Key Metrics Changes - Fee income rose by 8%, while financial transactions increased by 19% [11] - Mutual funds grew by 15%, and credit card transactions saw a 12% annual increase [14] - The composition of income revenue streams shifted, with fee generation increasing from 15% to 20% of total revenues [10] Market Data and Key Metrics Changes - The Chilean economy is projected to grow by approximately 2% year-on-year in Q3 2025, with GDP growth expected to reach 2.4% by the end of the year [3][4] - Inflation remains above the 3% target but is expected to converge below 4% by year-end [4][5] - The Central Bank of Chile maintained a policy rate of 4.75% during Q3, with expectations for a reduction to 4.5% by year-end [4][5] Company Strategy and Development Direction - The company aims to become a digital bank with a target of attracting 5 million clients by 2026, focusing on operational efficiency and fee generation [8][9] - The strategy includes leveraging artificial intelligence and process automation to reduce costs and improve operational excellence [9][10] - The bank is committed to maintaining an efficiency ratio in the mid-30s and achieving ROEs above 20% [9][10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about a favorable business environment post-elections, anticipating mid-single-digit loan growth and stable NIMs around 4% [19] - The potential for a political change could enhance growth dynamics in the commercial loan portfolio [22][24] - The company is prepared for various scenarios, including lower inflation and better loan growth dynamics [24] Other Important Information - The CET1 ratio reached 10.8%, significantly above the minimum requirement, indicating strong capital generation [16][17] - The bank has received multiple recognitions, including being named the best bank in Chile and improving its sustainability ratings [12] Q&A Session Summary Question: What are the main upside and downside risks for ROE estimates in 2026? - Management noted that potential political changes could positively impact growth, but external macroeconomic factors pose risks not currently factored into guidance [21][22] Question: Can you provide guidance on loan growth by segment for 2026? - Management expects homogeneous growth across segments, with consumer loans growing healthily and mortgage portfolios benefiting from government support [27][30] Question: What is the current status of the interchange fee and potential impacts? - The current interchange fee for credit is 1.14, with a potential second cut that could impact fees by CLP 20 billion-CLP 25 billion if implemented [36][39] Question: What is the outlook for asset quality indicators and cost of risk in 2026? - Management anticipates improvements in asset quality, with a cost of risk expected to decrease gradually, despite some seasonal effects observed [32][41]