Juan Carlos Mora | Chief Executive Officer |
Juan Pablo Espinosa | Chief Economist |
Jose Humberto Acosta | Chief Financial Officer |
Jason Mollin | Scotiabank |
Andres Soto | Santander |
Ernesto Gabilondo | Bank of America |
Tito Labarta | Goldman Sachs |
Carlos Gomez | HSBC |
Julian Ausique | Davivienda |
Yuri Fernandes | JPMorgan |
Alonso Garcia | Credit Suisse |
Good morning, ladies and gentlemen and welcome to Bancolombia's Third Quarter 2022 Earnings Conference Call. My name is Ariel and I will be your operator for today's call. At this time, all participants are in a listen-only mode.
Following the prepared remarks, there will be a question-and-answer session. [Operator Instructions] Please note that this conference is being recorded.