Carlos Firetti | Business Controller & Market Relations Director |
Leandro Miranda | Executive Director & Investor Relations Officer |
Octavio de Lazari Jr. | Chief Executive Officer |
Renato Ejnisman | Bank Next Chief Executive Officer |
Jorge Kuri | Morgan Stanley |
Jason Mollin | Scotiabank |
Tito Labarta | Goldman Sachs |
Thiago Batista | UBS |
Mario Pierry | Bank of America |
Geoffrey Elliott | Autonomous |
Carlos Gomez | HSBC |
Yuri Fernandes | JPMorgan |
Good afternoon, ladies and gentlemen, and thank you for waiting. We would like to welcome everyone to Bradesco's Fourth Quarter 2021 Earnings Conference Call. This call is being broadcasted simultaneously through the Internet in the Investor Relations website bradescori.com.br/en. In that address you can also find the presentation available for download. [Operator Instructions] Before proceeding let me mention that forward-looking statements are based on the beliefs and assumptions of Banco Bradesco's management and on information currently available to the company.