Jorg Friedemann | IR Officer |
David Vélez | Founder, CEO and Chairman |
Youssef Lahrech | President and COO |
Guilherme Lago | CFO |
Jag Duggal | Chief Product Officer |
Jorge Kuri | Morgan Stanley |
Mario Pierry | Bank of America |
Tito Labarta | Goldman Sachs |
Thiago Batista | UBS |
Geoffrey Elliott | Autonomous |
Marcelo Telles | Credit Suisse |
Pedro Leduc | Itaú |
Rafael Frade | Citibank |
Jamie Friedman | SIG |
Eugene Simuni | MoffettNathanson |
Alex Markgraff | KeyBanc |
Good afternoon, ladies and gentlemen. Welcome to Nu Holdings conference call to discuss the results for the Third Quarter 2022. A slide presentation accompanies today’s webcast, which is available in Nu’s Investors Relations website: www.investors.nu in English and www.investors.nu in Portuguese. This conference is being recorded and the replay can also be accessed on the Company’s IR website. This call is also available in Portuguese.