Good morning. Good morning, everyone. And welcome to inaudible 2021. And inaudible we apologize for, for the delay. This inaudible. A slide presentation with a inaudible webinar, which is available in the inaudible section of inaudible industrial relations website. So they often record, this is recorded. As a reminder, all participants will be in listen only mode. There will be an opportunity for you to ask questions at the end of today's presentation. If you want to ask a question, you'll need to be connected to inaudible. We will not be able to take your questions if you are connected from at home. Also, please make sure your name and last name appear in the Zoom platform you are using. To ask a question, inaudible raise your hand icon located in the Zoom platform. inaudible. You can also send questions in written forum, you have a Q&A box in the Zoom platform any time during the call. We will ask you to limit yourselves to one question and a follow up, and then you can raise your hand again in another round. Speaking today on the call will be inaudible, our chairman and CEO inaudible. Also joining in on us Alejandro inaudible, chairman of the board and inaudible. We know inaudible for today's call. All will be available for the Q&A session. As a reminder, today's call will contain inaudible statements inaudible presentation. inaudible are subject to a number of inaudible including a inaudible of the COVID-19 outbreak. And I refer you to the forward looking sect… statement section inaudible. We are due no obligations inaudible or any political statements inaudible. Today, Mariano inaudible, our CFO, will start the call inaudible Afterwards, inaudible will provide an overview of the key elements as far as tradition goes. Mariano inaudible. Thank you Anna. Good morning everyone, and thank you for joining us today. Please turn to slide four for our earning presentation. When we go to rebound inaudible this quarter, we continue to operate under challenging market conditions with high inflation, negative interest rate, and interest-free loans at historical lows and growing inflation. In addition, inaudible regulations inaudible reporting and attributing inaudible in 2021, compared to 348 in the prior quarter. It was inaudible by lower provisions reflecting a strong right here in collection policies along with a inaudibleeconomic activity. Somewhere inaudible expenses, also contributed to this performance when we continue to reside our inaudible and executing our inaudible challenge information strategies. Our comparative efficiency rating excluding inaudible severance payments on early retirement charges improved to 31% inaudible from 72% in the second quarter. inaudible by it's own revenue base. Looking at the first nine months of the year and excluding recurring charges, expenses were down nearly 7% year on year. We also maintain a solid cash inaudible with year one rating of 14.1% at quarter end and a inaudible current environment and implement inaudible strategic transformation. Patricia will provide, shortly, an update of our progress on our inaudible information agenda followed by a video which will present our key inaudible and inaudible. Now please turn to slide five. We expanded our inaudible by 5% inaudible in this level and recovering market share. New growth was mainly driven by higher mandatory credit inaudible which rose to inaudible accounting for over 30% of total loss this quarter from inaudible in the prior quarter. Short term finances corporate also contributed to low growth along with inaudible, personal loans which released the inaudible 10% sequentially. Now, moving to funding on slide six. inaudible remained relatively stable quarter on quarter at 63% with liquidity at solid levels. inaudible sequentially through the inaudible funding from the management and corporation accounts. According to policy, we're stable quarter on quarter. inaudible were at 1.5% sequentially, accounting for plenty, over 11% of total deposits. Turning to slide seven, inaudible two percentage points to 17 from 19% in the second quarter. inaudible returns inaudible over management with main inaudible when inflation inaudible given that inaudible price index inaudible continued to attract pressure on it. Turning to inaudible quantity on slide eight. Our strong and inaudible collection policies together with improved economic conditions allowed us to release a portion of the COVID-19 specific provisions created last year. As a result, loan provisions declined to 1.4 billion from two billion in the prior quarter. In turn, customer net improved to 3.5% from 5.7% in the second quarter. At quarter end, COVID-19 and it's provisions amounted to 1.6 billion pesos versus 2.4 billion as of June 30. Our total provision in inaudible is 2.6% in September, about the previous level of 6.4% posted in February 2020. The total inaudible for the quarter increased 20 points sequentially to 5.5% inaudible in July. Sequential increase was mainly driven by consumer segments. inaudible we saw an increase in the inaudible of the great period with a consumer finance inaudible nearly 21% this quarter end. inaudible. To another extent, NDL also increased to 5.1% from 2.2% inaudible segment inaudible of customers performing with inaudible, but none performing with inaudible. By contrast, corporate is a means and bank credit card also is sequential and appropriate inaudible. Slide, uh, slide nine. Although payments remain suspended, you do inaudible that inaudible are the main drivers of our business for the remainder of the year and 2022. Starting with inaudible loans, we expect to see both inaudible in 2021 inaudible super loans and allow inflation in 2022. Both expect 20 year with deposit growing above inflation fostered by inaudible and to a lower extent by interest rates inaudible. We expect deposits to continue growing above inflation, driven by the same strength. With inaudible quality, participation, NPL'sinaudible quarter are expected to remain stable or decline in fourth quarter. We also expect coverage to decline as COVID-19 provisions are used or reversed. inaudible is expected to be below 2020 and 2019 levels, but in line with historical levels of 5-6 %. inaudible margin for the remainder of the year 2022 inaudible higher cost of funds presented from the impact of the the prior interest rate inaudible for loss. This is upset by higher inflation inaudible demand and inaudible pick up from historical low. Personal and interest expenses are likely to grow with inflation. inaudible reflecting economic struggle in inaudible competition is from the execution of our inaudible and extension of the turnover tax inaudible and inaudible, we continue to negatively impact expenses. At the same time, inaudible is expected to grow in languid inflation. Finally, we continue to expect inaudible liquidity to remain at comfortable levels, supporting those inaudible. 100% of our capital is inaudible inflation. Now, let me call inaudible who will provide an update for our strategic initiatives. Patricio, please go ahead. Thank you, Mariano. You heard Mariano present our financial results and views for the remainder of the year in 2022. In this challenging context, we remain fu-fully focused on advancing on our transformation strategy. Starting with the transformation of our branch channels, using best and fast technologies to facilitate inaudible banking and expand inaudible everywhere and anytime banking. First, digitized customers have increased consistently over the past two years and were up 76% since March last year. Second, keeping a