 Grupo Financiero Banorte, S.A.B. de C.V. OTCQX:GBOOF Q4 2022 Earnings Conference Call January 20, 2023 10:00 AM ET Company Participants Tomas Lozano - Head-Corporate Development, IR and ESG Marcos Ramírez - CEO Rafael Arana - COO and CFO Gerardo Salazar Viezca - Chief Risk Officer Conference Call Participants Ernesto Gabilondo - Bank of America Merrill Lynch Ricardo Buchpiguel - BTG Tito Labarta - Goldman Sachs Jason Mollin - Scotiabank Yuri Fernandes - JPMorgan Carlos Gomez - HSBC Marcelo Telles - Credit Suisse Gilberto García - Barclays José Luis Cuenca - Citi Nicolas Riva - Bank of America Merrill Lynch Natalia Corfield - JPMorgan Mariel Arévalo - Benito Juárez Tomas Lozano Good morning. 