Grupo Cibest S.A. (CIB) Q1 2025 Earnings Call

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WEBVTT 00:00:01.043 -- 00:00:06.612 Good morning, ladies and gentlemen, and welcome to Bank Columbia's first quarter 2025 00:00:06.612 -- 00:00:12.742 earnings conference call. My name is Zico, and I will be your operator for today's call. 00:00:12.742 -- 00:00:16.768 At this time, all participants are going to listen only mode. 00:00:16.768 -- 00:00:21.075 Following the prepared remarks, there will be a question and answer session. 00:00:21.075 -- 00:00:26.204 During the question and answer session, if you have a question, please press star, then 00:00:26.204 -- 00:00:32.605 one on your touchtone phone. Please note that this conference is being recorded. 00:00:32.909 -- 00:00:37.236 Please note that this conference call will include forward-looking statements, including 00:00:37.236 -- 00:00:42.625 statements related to our future performance, capital position, credit-related expenses, 00:00:42.625 -- 00:00:44.848 and credit losses. 00:00:44.848 -- 00:00:50.017 All forward-looking statements, whether made in this conference call, in future filings, 00:00:50.017 -- 00:00:55.769 in press releases, or verbally, address matters that involve risk and uncertainty, 00:00:55.769 -- 00:01:00.054 Consequently, there are factors that could cause actual results to differ materially 00:01:00.054 -- 00:01:05.219 from those indicated in such statements, including changes in general economic 00:01:05.219 -- 00:01:10.745 and business conditions, changes in currency exchange rates and interest rates, 00:01:10.745 -- 00:01:15.771 introduction of competing products by the other companies, lack 00:01:15.771 -- 00:01:20.814 of acceptance of new products or services by our targeted clients, changes in 00:01:20.814 -- 00:01:25.420 business strategy, and various other factors that we descri...