 Bancolombia S.A. NYSE:CIB Q3 2022 Earnings Conference Call November 16, 2022 8:00 AM ET Company Participants Juan Carlos Mora Chief Executive Officer Juan Pablo Espinosa Chief Economist Jose Humberto Acosta Chief Financial Officer Conference Call Participants Jason Mollin Scotiabank Andres Soto Santander Ernesto Gabilondo Bank of America Tito Labarta Goldman Sachs Carlos Gomez HSBC Julian Ausique Davivienda Yuri Fernandes JPMorgan Alonso Garcia Credit Suisse Operator Good morning, ladies and gentlemen and welcome to Bancolombias Third Quarter 2022 Earnings Conference Call. 