Candido Bracher | Current CEO and new Board Member |
Milton Maluhy Filho | Current CFO and CRO and New CEO |
Mario Pierry | Bank of America Merrill Lynch |
Tito Labarta | Goldman Sachs |
Geoffrey Elliott | Autonomous Research |
Thiago Batista | UBS |
Jason Mollin | Scotiabank |
Carlos Gomez-Lopez | HSBC |
Good morning, ladies and gentlemen. Welcome to the Itau Unibanco Holding Conference Call to discuss 2020 Fourth Quarter Results. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session. [Operator Instructions] As a reminder, this conference is being recorded and broadcasted live on the Investor Relations website at www.itau.com.br/investor-relations.