Operator
Good morning, ladies and gentlemen, and welcome to the Grupo Cibest Bancolombia Third Quarter 2025 Earnings Conference Call. My name is Latanya, and I will be your operator for today’s call. [Operator Instructions] Please note that this conference is being recorded.
Please note that with the forward-looking statements, including statements related to our future performance, capital position, credit-related expenses and credit losses. All forward-looking statements whether made in this conference call and future filings, in press releases or verbally address matters that involve risk and uncertainty. Consequently, there are factors that could cause actual results to differ materially from those indicated in such statements, including changes in general economic and business conditions, changes in currency exchange rates and interest rates, introduction of competing products by other companies, lack of acceptance of new products or services by our targeted clients, changes in business strategy and various other factors that we describe in our reports filing with the SEC.
With us today is Juan Carlos Mora, Chief Executive Officer; Mr. Mauricio Botero Wolff, Chief Strategy and Financial Officer; Mr. Rodrigo Prieto, Chief Risk Officer; Mrs. Catalina Tobon, Investor Relations and Capital Markets Director; and Mrs. Laura Clavijo, Chief Economist.
I will now turn the call over to Mr. Juan Carlos Mora, Chief
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