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

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WEBVTT 00:00:00.031 -- 00:00:04.518 Good morning, ladies and gentlemen, and welcome to the Grupo CYPHUS-VanColombia 00:00:04.518 -- 00:00:08.043 Third Quarter 2025 Earnings Conference Call. 00:00:08.043 -- 00:00:11.869 My name is Latonya, and I will be your operator for today's call. 00:00:11.869 -- 00:00:15.054 At this time, all participants are in a listen-only mode. 00:00:15.054 -- 00:00:18.660 Following the prepared remarks, there will be a question and answer session. 00:00:18.660 -- 00:00:22.726 During the question and answer session, if you have a question, please press star, then 00:00:22.726 -- 00:00:28.313 the 1 on your touchtone keypad. Please note that this conference is being recorded. 00:00:28.313 -- 00:00:32.258 Please note that with the forward-looking statements, including statements related to 00:00:32.258 -- 00:00:38.084 our future performance, capital position, credit-related expenses, and credit losses, 00:00:38.084 -- 00:00:42.950 all forward-looking statements, whether made in this conference call, in future filings, 00:00:42.950 -- 00:00:48.977 and press releases on verbally addressed matters that invoke risk and uncertainty, consequently, 00:00:48.977 -- 00:00:53.763 there are factors that could cause actual results to differ materially from those indicated 00:00:53.763 -- 00:00:58.942 in such statements, including changes, and general economic and business conditions, 00:00:58.942 -- 00:01:03.987 change in currency exchange rates and interest rates, introduction of competing 00:01:03.987 -- 00:01:09.133 products by other companies, lack of acceptance of new products or services by our targeted 00:01:09.133 -- 00:01:14.179 clients, changes in business strategy, and various other factors that we describe in 00:01:14.179 -- 00:01:17.003 our rep...