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spk01: Ladies and gentlemen, thank you for standing by and welcome to the CTAO Corp Bank of Fourth Quarter 2020 Financial Results Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1 on your telephone. please be advised that today's conference is being recorded. If you require any further assistance, please press star zero. I would now like to turn the call over to Claudia Labbe. Thank you. Please go ahead.
spk00: Thank you. Good morning. Thank you for joining our conference call for our fourth quarter 2020 financial results. Before proceeding, let me mention that our remarks may include forward-looking information, and actual performance could differ materially from that anticipated in any forward-looking comment as a result of macroeconomic conditions, market risk, and other factors. I would also like to draw your attention to the financial information included in this management discussion and analysis presentation, which is based on our managerial model in which we adjust for non-recurring events and we apply managerial criteria to disclose our income statement. This managerial financial model reflects how we measure, analyze, and discuss financial results by segregating commercial performance, financial risk management, credit risk management, and cost efficiency. We believe this form of communicating our results will give you a clearer and better view of our performance through these different perspectives. Please refer to pages 9 to 12 of our report for further details. With us today in this conference call in Santiago are Mr. Gabriel Mora, CEO, and Mr.
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