Gianfranco Ferrari | Chief Executive Officer |
Cesar Rios | Chief Financial Officer |
Reynaldo Llosa | Chief Risk Officer |
Jason Mollin | Scotiabank |
Ernesto Gabilondo | Bank of America |
Tito Labarta | Goldman Sachs |
Andres Soto | Santander |
Yuri Fernandes | J.P. Morgan |
Carlos Gomez | HSBC |
Olavo Arthuzo | UBS |
Jorg Friedman | Citi |
Alonso Garcia | Credit Suisse |
Sergey Dubin | Harding Loevner |
Alonso Aramburu | BTG |
Good morning, everyone. I would like to welcome all of you to Creditcorp Ltd, Fourth Quarter 2021 Conference Call. We now have all our speakers in conference. Please be aware that each of your lines is in a listen-only mode. At the conclusion of today's presentation, we will open the floor for questions.