Welcome to Grupo Aval's First Quarter 2021 Consolidated Results Conference Call. My name is and I will 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 is subject to compliance with securities regulation in Colombia and applicable U.S. securities regulation. Grupo Aval is also subject to the inspection and supervision of the Superintendency of Finance as holding company of the Aval financial conglomerate. The consolidated financial information included in this document is presented in accordance with IFRS as currently issued by the IASB. Details of the calculations of non-GAAP measures such as ROAA and ROAE, among others, are explained where required in this report. This report includes forward-looking statements. Luis Carlos Sarmiento Gutiérrez: Good morning and thank you all for joining our first quarter 2021 conference call. I trust that all of you and your families are keeping healthy. This is with great pride in our company and its employees that I will share with you our strong financial results for the quarter that ended on March 31. As I usually do, I will refer to the situation of economies of the countries in which we operate. I will provide an update on the status of our clients, loan reliefs, and our digitalization program, and I will refer to the main reasons for our financial results. Let's start with a view of the macro scenario during the quarter. To begin, I would venture to say that for the first time since the pandemic began over a year ago, the global outlook has become more favorable. In fact, the United States has set an example of efficacy in the mass production of the COVID-19 vaccine, in the inoculation of its citizens and citizens of many other parts of the world and in the distribution of the vaccine to other countries. This has without a doubt played a crucial role in the economic recovery of the USA, and has set in motion economic recoveries of many other countries and sectors.

Thank you, Luis Carlos. I will now move to our consolidated results of Grupo Aval under IFRS. Starting on Page 9, even though not yet back to historic levels, volume growth are increasingly gaining momentum. Our assets grew 4.3% over the quarter. With this result, we accumulate a 5.1% year-on-year growth. As mentioned over the last three calls, on May last year, we completed the acquisition of MSG contributing to our 12-month growth. Excluding this effect and that of FX movements of our Central American operations, total assets grew 2.8% year-on-year. Colombian assets grew 2.7% during the quarter and 0.3% year-on-year, while Central American assets recorded a 0.3% quarterly growth in direct turns and 0.7% year-on-year growth. MFG contributed with a 10 percentage points to the annual growth of Central America. Our of 7.2 and a 12-month appreciation of 9.2% quarterly and annual growth in pesos of Central America to 7.5% and 15.2%. The share of Central America of our book increased slightly during the quarter to 36%. Moving to Page 10, loan growth is aggressively recovering, mainly driven by a substantial performance of high quality retail lending products and information on loan growth in Colombia. Loans grew 3.8% over the quarter, reaching a 4.4% increase year-on-year. Excluding the acquisition of MFG and FX movements of our Central American operations, consolidated loans grew 1.4% over the quarter, the acquisition of MFG contributed with 6.3% of 12-month consolidated growth in special terms. Colombian gross loan portfolio increased 1.7% during the quarter, driven by the strong growth of our retail portfolio and an improvement in the dynamics of our commercial portfolio. 12-month low was 1.5%. Demand for consumer loans remains strong in Colombia resulting in a 2.7% increase in the quarter, and 8.1% year-on-year. Competition remains high, particularly on payroll lending. Payroll…