Luis Castellanos López-Torres | executive |
Michela Ramat | executive |
Ernesto María Gabilondo Márquez | analyst |
Nicolas Riva | analyst |
Carlos Gomez-Lopez | analyst |
Good morning, and welcome to the Intercorp Financial Services Fourth Quarter 2023 Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions]. It is now my pleasure to turn the call over to Ms. Valentina Porto of InspIR Group. Ma'am, you may begin.