Grupo Cibest S.A. (CIB) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, ladies and gentlemen, and welcome to the Grupo CYPHUS-VanColombia Third Quarter 2025 Earnings Conference Call. My name is Latonya, and I will be your operator for today's call. At this time, all participants are in a listen-only mode. Following the prepared remarks, there will be a question and answer session. During the question and answer session, if you have a question, please press star, then the 1 on your touchtone keypad. 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, in future filings, and press releases on verbally addressed matters that invoke risk and uncertainty, consequently, there are factors that could cause actual results to differ materially from those indicated in such statements, including changes, and general economic and business conditions, change 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 following with the SEC. With us today is Juan Carlos Mora, Chief Executive Officer, Mr. Mauricio Botero-Wolf, Chief Strategy and Financial Officer Mr. Rodrigo Prieto, Chief Risk Officer, Mrs. Catalina Tobin, Investor Relations and Capital Markets Director, and Mrs. Laura Clavijo, Chief Economist. I will now turn the call over to Mr. Juan Carlos Mubara, Chief Executive Officer. Thank you. Mr. Juan Carlos, you may begin. Good morning. Welcome to Grupo CIVEST. third quarter results conference ...