Q4 2019 Bancolombia SA Earnings Call Transcript
Good morning, ladies and gentlemen, and welcome to Bancolombia's Fourth Quarter 2019 Earnings Conference Call. My name is Jackie, 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 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 the conference call, in future filings and press releases or verbally, addresses matters that involve risks and uncertainties. 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 condition; changes in currency exchange rates and interest rates; introduction of competing products by other companies; lack of acceptance of new products or services by our targeted clients; changes in business strategy and various other factors that we describe in our reports filed with the SEC.
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