Good morning, ladies and gentleman and welcome to Bancolumbia's third quarter 2021 earnings conference call. My name is Claudia 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 one on your touch down phone. Please note that this conference is being recorded. Please note that this conference call will include forward looking statements, including statements related to our future performance, capital position, credit related expenses and credit loses. All fore-looking statements whether made in this conference call, in future filing, in press releases or verbally, address matters that involve risk and uncertainty. Consequently, there are factors that could cause actual results to defer material from those indicated from such statements. Including changes in general, economic and business conditions. Changes in current exchange rates and interest rates, introduction of competing products by other companies. Lack of acceptance of new products or services by our targeted clients. Changed in business strategy and various other factors that we describe in our reports filed with the FCC. With us today, is Mr Juan Carlos Mora, Chief Executive Officer, Mr. Mauricio Rosillo, Chief Corporate Officer, Mr Jose Humberto Acosta, Chief Financial Officer, Mr Rodrigo Prieto, Chief Risk Officer, Mr Carlos Raad, Investor Relations Director and Mr. Juan Pablo Espinosa, Chief Economist. I will now turn the call over to Mr Juan Carlos Mora, Chief Executive Officer. Mr. Juan Carlos, you may begin. Good morning and welcome to our conference call for the third quarter 2021. I hope all of you and your families are safe and healthy. The Colombian economy continues recovering at a pace better than expected. According to our latest estimates, GDP could grow close to 10% in 2021, and for 2022, we expect a soft landing to a moderate expansion of around 3.6%. The main drivers behind this forecast are the resilient performance of internal demand, particularly product consumption, which will remain dynamic as more households, especially those in the highest incomes return to pre- COVID spending levels. We also expect private investment to recover, exports to accelerate, and the sectors that were severely hit by the pandemic to go back to 2019 levels. All this is partly compensated by the moderating global growth and a gradual move forward of the fiscal and monetized streams. The main reasons to our view are the uncertainties surrounding the electoral cycle and eventual new waves of COVID-19 cases. The positive trend of the economy is reflected in the balance sheet results, which we consider positive for the third quarter. Given that the trend of the better-than-expected economic recovery not only applies for Colombia but in all the geographies where we have presence. Before getting to the details, I want to highlight some key topics. The loan book grew 3.3% compared with the previous quarter. Net fees grew 9% in the quarter. Collection fees Tier One under full Basel III was 11.8% and net income for the quarter was 943 billion pesos. Net provision charges for the quarter was 514 billion pesos, down 18% when you compare with the second quarter of 2021, mainly driven by better economic forecast and the end of inaudible program in Colombia and Panama. For our digital platforms, Nequi and Bancolombia a la Mano continue to grow at a steady pace, adding both 14 million clients and 1.4 trillion pesos in deposits. Digital transactions represents 85% of the total transactions, and the digital channels 44% of total sales. We continue to grow in our ecosystem strategy after the first year of successful operations. It is already positioned as one of the most relevant in the country, with more than 8 million visits. At this point, I'd like to turn the presentation to Juan Pablo Espinosa, who will further elaborate on the performance of the Colombian economy. Juan Pablo? Thank you, Juan Carlos. Now, I will ask you to go to slide number three in the presentation. Let me start by saying that traditional analysis has failed to predict and measure accurately the effects that the pandemic has had on the economy. Instead, the development of new ways of understanding the economic reality has gained momentum. Most of these advances are based on the use of data. At Bancolombia, we have been pioneers of this emerging trend in the local financial industry. Our proprietary and analytical tools and our large sample of banking transactions allows us to have a comprehensive, real-time picture of the state of the Columbian economy. In the first place, our inaudible tracker of overall activity which follows closely inaudible official figures, points to our year-on-year growth in the third quarter of 14.1%, higher than the latest consensus estimate of 9.2%. A significant contributor to this growth is domestic demand, which according to Bancolombia's card holder purchases has been accelerating in the past few months. For instance, in the first 20 days of October these transactions grew 20% compared to 2020 and 8% relative to 2019. Moreover, the graph at the bottom left shows that the volume of deposits to corporate banking accounts by sector and firm size, relative to pre-pandemic levels. These figures are good at anticipating sectoral performance, and they are signaling that important contributors to GDP, such as retail, manufacturing, and agricultural sectors, expanded at a strong pace in the third quarter. Furthermore, SME's revenues are recovering faster than those of large firms. Finally, the number of payrolls payments processed through- through Bancolombia's accounts, which is a proxy for formal labor demand, accelerated during the last quarter. This suggests that the labor market is already reacting to the rebounding economic activity. In turn, this would allow an employment rate to decline further towards the end of the year. All in all, our indicators point to a widespread and consistent improvement of the Columbian economy after the disruptions caused by the national strike and the reduction of COVID cases. This bodes well for two year 2021 growth expectations, which currently stand at 10%. Now, let me turn the presentation back to Juan Carlos. Thank you, Juan Pablo. Moving to slide four, I want to continue this presentation by explaining the loans and deposits performance. The recovery of the economy has resulted in significant progress in our business. We have experienced an important growth in the number of clients. Include our offer of products and services inaudible our digital strategy. All this is clearly reflected in the performance of loans and deposits. The loan book continued showing a steady growth across the three main sectors. In that dynamic, uh, partially supported by the economic recovery but continues to be evident in inaudible This trend confirms that the bank overcame the economic shock of the pandemic without relevant implications on its financial stability. Since the beginning of the year, the retail and mortgage segments have shown positive trends. Whereas the commercial segment started to improve since the second quarter. Because of the expansionary monetary policy with historically low interest rate makes the balance of bank deposits decrease over the last 12 months