Grupo Cibest S.A. (CIB) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.918 Good morning, ladies and gentlemen, and welcome to Grupo Sebest, Bancolombia's fourth 00:00:04.918 -- 00:00:08.523 quarter 2025 earnings conference call. 00:00:08.523 -- 00:00:12.309 My name is Carrie, and I will be your operator for today's call. 00:00:12.309 -- 00:00:15.733 At this time, all participants are in a listen-only mode. 00:00:15.733 -- 00:00:20.260 Following the prepared remarks, there will be a question and answer session. 00:00:20.260 -- 00:00:24.546 During the question and answer session, if you have a question, please press star then 00:00:24.546 -- 00:00:27.090 one on your touch-tone phone. 00:00:27.090 -- 00:00:30.752 Please note that this conference is being recorded. 00:00:31.688 -- 00:00:35.693 Please note that this conference call will include forward-looking statements, including 00:00:35.693 -- 00:00:41.140 statements related to our future performance, capital position, credit-related expenses, 00:00:41.140 -- 00:00:43.002 and credit losses. 00:00:43.002 -- 00:00:47.988 All forward-looking statements, whether made in this conference call and future filings, 00:00:47.988 -- 00:00:53.575 in press releases or verbally, address matters that involve risks and uncertainty. 00:00:53.575 -- 00:00:57.640 Consequently, there are factors that could cause actual results to differ materially 00:00:57.640 -- 00:01:01.000 from those indicated in such statements. 00:01:01.000 -- 00:01:06.426 including changes in general economic and business conditions, changes in currency 00:01:06.426 -- 00:01:12.573 exchange rates and interest rates, introduction of competing products by other companies, 00:01:12.573 -- 00:01:18.000 lack of acceptance of new products or services by our targeted clients, 00:01:18.000 -- 00:01:23.246 chang...