Operator
Ladies and gentlemen, thank you for standing by and welcome to the fourth Quarter 2020 Banco Santander Chile Earnings Conference Call. [Operator Instructions]
I will now hand the conference over to the Chief Financial Officer, Mr Emiliano Muratore. You may begin sir.
Emiliano Muratore
Chief Financial Officer
Good morning, everyone. Welcome to Banco Santander-Chile s fourth quarter 2020 Results Webcast and Conference Call. This is Emiliano Muratore, CFO and I m joined today by Robert Moreno, Managing Director of Investor Relations and Sindy Olea our economic research team.
Thank you for attending today s conference call. We hope you all continue to stay safe on healthy during the Chile has began a grand reopening which so far has been working well to control the health situation. We have a lot to discuss today with various important messages. Sindy will start with an update on the economy and the macro scenario, then we will go into the results of the bank during the