 Credicorp Ltd NYSE:BAP Q3 2022 Earnings Conference Call November 4, 2022 10:30 AM ET Company Participants Milagros Ciguenas - Head, IR Gianfranco Ferrari - CEO Francesca Raffo - Chief Innovation Officer Cesar Rios - CFO Head, Finance Reynaldo Llosa - Chief Risk Officer Conference Call Participants Jason Mollin - Scotiabank Ernesto Gabilondo - Bank of America Merrill Lynch Thiago Batista - UBS Daer Labarta - Goldman Sachs Carlos Gomez - HSBC Sergey Dubin - Harding Loevner Andres Soto - Santander Yuri Fernandes - JPMorgan Chase Co. Operator Good morning, everyone. I would like to welcome all of you to the Credicorp Ltd. 