Q4 2018 Bancolombia SA Earnings Call Transcript
Good morning, ladies and gentlemen, and welcome to Bancolombia's Fourth Quarter 2018 Earnings Conference Call. My name is Anna, and I will be your operator for today's call. (Operator Instructions)
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 losses. All forward-looking statements, whether made in this conference call, in future filings, in press releases or verbally, address matters that involve risk and uncertainty.
Consequently, there are factors that could cause actual results to differ materially from those indicated in such statements, including changes in general, economic and business conditions; changes in currency exchange rates and interest rates; introduction of competing products by other companies; lack of acceptance of new products and services by our targeted clients; changes in business strategy; and various other factors that we describe in our files with SEC.
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