Grupo Cibest S.A. (CIB) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.937 Good morning, ladies and gentlemen, and welcome to Grupo Cebes, Bancolombia, first quarter 00:00:04.937 -- 00:00:07.378 2026 earnings 00:00:11.845 -- 00:00:13.187 conference call. 00:00:13.187 -- 00:00:16.451 My name is Paul, and I will be your operator for today's call. 00:00:16.451 -- 00:00:19.575 At this time, all participants are in a listen-only mode. 00:00:19.575 -- 00:00:23.019 Following the prepared remarks, there will be a question and answer session. 00:00:23.019 -- 00:00:27.064 During the question and answer session, if you have a question, please press star 1 on 00:00:27.064 -- 00:00:31.757 your touchtone phone. Please note that this conference is being recorded. 00:00:31.757 -- 00:00:35.322 Please note that this conference call will include forward-looking statements, including 00:00:35.322 -- 00:00:40.530 statements related to our future performance, capital position, credit-related expenses, 00:00:40.530 -- 00:00:45.076 and credit losses. All forward-looking statements, whether made in this conference call, 00:00:45.076 -- 00:00:49.622 in future filings, in press releases, or verbally, address matters that involve risk 00:00:49.622 -- 00:00:53.948 and uncertainty. Consequently, there are factors that could cause actual results to differ 00:00:53.948 -- 00:00:56.950 materially from those indicated in such statements. 00:00:56.950 -- 00:01:02.057 including changes in general economic and business conditions, changes in currency exchange 00:01:02.057 -- 00:01:07.043 rates and interest rates, introduction of competing products by other companies, lack 00:01:07.043 -- 00:01:11.789 of acceptance of new products or services by our targeted clients, changes in business 00:01:11.789 -- 00:01:17.316 strategy, and various other...