Grupo Cibest S.A. (CIB) Q2 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.294 Good morning, ladies and gentlemen, and welcome to Grupo Cibest Bancolombia Second 00:00:05.294 -- 00:00:07.316 Quarter 2026 Earnings 00:00:07.316 -- 00:00:12.759 Conference Call. My name is Melissa, and I will be your operator for today's call. 00:00:12.759 -- 00:00:16.662 At this time, all participants are in a listen-only mode. 00:00:16.662 -- 00:00:21.345 Following the prepared remarks, there will be a question and answer session. 00:00:21.345 -- 00:00:26.368 During the question and answer session, if you have a question, please press star then 00:00:26.368 -- 00:00:31.387 1 on your touchtone phone. Please note that this conference call is 00:00:31.387 -- 00:00:33.968 being recorded. Please 00:00:33.968 -- 00:00:38.809 note that this conference call will include forward-looking statements, including statements 00:00:38.809 -- 00:00:41.609 related to our future performance, 00:00:41.609 -- 00:00:46.430 capital position, credit-related expenses, and credit losses. 00:00:46.430 -- 00:00:51.571 All forward-looking statements, whether made in this conference call and future filings, 00:00:51.571 -- 00:00:57.092 in press releases, or verbally, address matters that involve risk and uncertainty, 00:00:57.092 -- 00:01:02.236 consequently, There are factors that could cause actual results to differ materially 00:01:02.236 -- 00:01:07.737 from those indicated in such statements, including changes in general economic 00:01:07.737 -- 00:01:13.659 and business conditions, changes in currency exchange rates and interest rates, 00:01:13.659 -- 00:01:18.179 introduction of competing products by other companies, 00:01:18.260 -- 00:01:23.461 lack of acceptance of new products or services by our targeted clients, 00:01:23.461 -- 00:01:28.561 chang...