Cesar Rios | Chief Financial Officer |
Walter Bayly | Chief Executive Officer |
Gianfranco Ferrari | Deputy Chief Executive Officer and Head of Universal Banking |
Reynaldo Llosa | Chief Risk Officer |
Ernesto Gabilondo | Bank of America Merrill Lynch |
Jorge Kuri | Morgan Stanley |
Thiago Batista | UBS |
Tito Labarta | Goldman Sachs |
Jason Mollin | Scotiabank |
Geoffrey Elliott | Autonomous |
Carlos Gomez-Lopez | HSBC |
Piedad Alessandri | Credicorp Capital |
Andres Soto | Santander |
Yuri Fernandes | JPMorgan |
Sergey Dubin | Harding Loevner LP |
[00:00:05] Good morning, everyone. I would like to welcome all of you to Credit Corp Limited's third quarter Twenty twenty conference call. We now have all of our speakers in conference. Please be aware that your lines isn't the only mode at the conclusion of today's presentation.
We will open the floor for questions.