Grupo Cibest S.A.

Good morning, ladies and gentlemen, and welcome to BAN Columbia's second quarter 2022 earnings conference call. My name is Chad, 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. During the question-and-answer session, if you have a question, please press star, then 1 on your touch-tone phone. Please note that this conference is being recorded. Please note that this conference call will include forward-looking statements including statements related to our future performance, capital position, credit-related expenses, and credit losses. All forward-looking statements, whether made in this conference call, in future filings, in press releases, or verbally, address matters that involve risk and uncertainty. Consequently, there are factors that could cause actual results to differ materially from those indicated in such statements. including changes in general economic and business conditions, changes in currency exchange rates and interest rates, introduction of competing products by other companies, lack of acceptance of new products or services by our targeted clients, changes in business strategy, and various other factors that we describe in our reports filed with the SEC. With us today is Mr. Juan Carlos Mora, Chief Executive Officer Mr. Mauricio Ruscio, Chief Corporate Officer, Mr. Jose Humberto Acosta, Chief Financial Officer, Mr. Rodrigo Prito, Chief Risk Officer, and Mr. Juan Pablo Espinoza, Chief Economist. I will now turn the conference over to Mr. Juan Carlos Mora, Chief Executive Officer. Mr. Juan Carlos, you may begin your call.

The conference is now being recorded.

Hello, and good morning. My name is Chad. I'll be assisting as the operator for today's event. I understand I have management on this line. Pardon the interruption. Columbia, is that correct? Please, just one moment while we start our event. Thank you very much. Thank you.