Rafael Borja | InspIR Group |
Luis Felipe Castellanos | CEO |
Michela Casassa | CFO |
Bruno Ferreccio | CEO, Inteligo |
Carlos Tori Grande | VP, Retail Banking |
Ernesto Gabilondo | Bank of America |
Jorge Henderson | Santander |
Daniel Mora | Credicorp Capital |
Yuri Fernandes | JPMorgan |
Good morning, and welcome to Intercorp Financial Services' Second Quarter 2022 Conference Call. All lines have been placed on mute to prevent any background noise. Please be advised that today's conference is being recorded. After the presentation, we will open the floor for questions. [Operator Instructions] It is now my pleasure to turn the call over to Rafael Borja of InspIR Group.