Welcome to Grupo Aval's second quarter 2021 consolidated results conference call. My name is Yanni, and I'll be your operator for today's call. Grupo Aval Acciones Y Valores S.A. Grupo Aval, is an issuer of securities in Colombia and in the United States. As such, it's subject to compliance with securities regulation in Colombia and applical- applicable US securities regulations. Grupo Aval is also subject to the inspection and supervision of the superintendency of finance as holding company of the Aval financial conglomerates. The Consolidated Financial information included in this document is presented in accordance with IFRS as currently issued by the IASB. Details of calculations of non- GAAP measures, such as ROAA and ROAE among others, are explained when required in this report. This report includes forward-looking statements, in some cases, you can identify these forward-looking statements by words such as- Good morning and thank you all for joining our second quarter of 20- may, will, should, expects, plans, anticipates, believes, estimate… estimates, predicts, potential or continue, or the negative of these and other comparable words. Actual results and events may differ materially from those anticipated herein as a consequence of changes in general economic and business conditions. Changes in interest, interest and currency rates and other risks described from time to time in our filings with the Registro Nacional de Valores Y Emisores and the SEC. Recipients of this document are responsible for the assessment and use of the information provided herein. Matters described in this presen- presentation and our knowledge of them may change extensively and materially over time, but we expressly disclaim any obligation to review, update, or correct information provided in this report, including any forward-looking statements, and do not intend to provide any of the for such material developments prior to our next earnings report. The content of this document and the figures included herein are intended to provide a summary of the subject discussed rather than a comprehensive description. When applicable, in this document, we've referred to billions as thousands of millions. At this time, all participants are in listen-only mode. Later, we will conduct a question and answer session. I will now turn the call over to Mr. Luis Carlos Sarmiento Gutierrez, Chief Ex- Executive Officer. Mr. Sarmiento, you may begin. Good morning, and thank you all for joining our second quarter 2021 conference call. I trust that all of you and your families are keeping healthy. Today, it is my pleasure to present our strongest quarter ever. In doing so, I will cover the following: an updates, uh, on the macroeconomic environment of the regions where we operate, the status of the loan relief granted to our clients, the progress of our digital efforts, and the main highlights of our financial performance. Let's start with a macroeconomic scenario of the last few months. During the second quarter of the, the year, the global economy continued to recover. There are, however, material differences in the recoveries of countries depending on the effectiveness of this country's vaccination programs. Additionally, new variants of the virus, such as the Delta Plus and more recently, the Gamma variant continued to appear. For now, it is apparent that the vaccinations being administered are effective against these new variants. However, it is not the case, economic recoveries would be curtailed. In any case, clear evidence of the effectiveness of the vaccination programs recites in the fact that although people continue to get infected, the lethality of the virus has drastically dropped. Colombia has not been the exception to the economic recovery or to a well-administered vaccination program. To date, more than 30 million doses have been administered and more than 13 million people have been fully immunized. This progress in the vaccination program, along with better external conditions, have boosted the recovery of the Colombian economy. This recovery has not been devoid of headwinds, specifically, the violent demonstrations and strikes that plagued the country mostly during the months of April and May. However, after a drop in consumer confidence, not surprisingly, during April and May, as of July, this indicator has recovered and is now at its highest level since the start of the pandemic supported by the progress of the vaccination campaign, better unemployment numbers, renewed commercial activity, and higher prices of export commodities, such as coffee and oil. High frequency data, such as energy demand, suggests that business activity is advancing toward its pre-pandemic level. As a result, analysts have continued to raise their estimates of the GDP growth forecast for Columbia during 2021. The OECD, for example, now forecasts a GDP growth of 7.6% for 2021, and the IMF is expected to raise its projections in August given the positive outcome of recent months. In its latest meeting, the central bank revised its own growth forecast from six and a half percent to seven and a half percent, and in Aval, we now forecast that the economy will grow approximately 7% in 2021. Moving on to the labor market in June, the unemployment rate fell to 14.4%, and the number of jobs increased by 161,000. The average unemployment rate during the second quarter was 15%, compared to 15.8% during the first quarter, and 20.3% a year earlier. Of course, there is still a long way to go on this front. Despite the mentioned improvement, there are still approximately 1.4 million jobs that still need to be recovered to bring us back to the pre-pandemic levels of employment. If these jobs were recovered, the country would experience a drop of between 6 and 7% in unemployment. For now, as the recovery process continues, we expect the further decline in the unemployment rate to 12% by year's end, reaching an average of 14.8% for 2021. In June, 12 month inflation reached 3.63%, 204 basis points higher when compared to inflation during 2020. This year's number has been driven mainly by supply factors and by statistical base effect. In fact, the surge of food prices of five and a half percent in May was triggered by the disruptions of supply and logistics that arose from the strikes. As of July, 12 month inflation had risen by 34 basis points versus June to 3.97%. This increase was driven by food prices, which rose by 40 basis points, and by higher prices in service sectors, as a result of higher activity leisure industries such as restaurants, hotels, recreation, and culture. We expect that inflation for 2021 will reach 4% as food prices revert, offset by the pass-through of higher commodity prices and the shipping costs. Although, medium term inflation expectations remain well anchored at 3%, given the recent surge in consumer prices, the weaker peso, and the growth prospects, we expect that central bank will start monetary pilot… policy tightening cycle in the last quarter with a high probability of 225 basis point hikes before the end of the year. In that scenario, the repo rate will increase to two and a quarter percent from its current 1.75% level. Regarding the exchange rate, in the last few weeks, the peso has weakened to as high as 4000 pesos per dollar due to the strengthening of the dollar in international markets,