Good morning, ladies and gentlemen, and thank you for waiting. At this time, we would like to welcome everyone to BBVA Argentina's Third Quarter 2024 Results Conference Call. We would like to inform you that this event is being recorded [Operator Instructions] After the company's remarks are completed, there will be a question-and-answer section. At that time, further instructions will be given.

[Operator Instructions] First of all, let me point out that some of the statements made during this conference call may be forward-looking statements within the meaning of the safe harbor provisions found in Section 27A of the Securities Act of 1933 under U.S. federal securities law. These forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those expressed in the forward-looking statements.

Additional information concerning these factors is contained in BBVA Argentina's annual report on Form 20-F for the fiscal year 2023 filed with the U.S. Securities and Exchange Commission.

Today with us, we have Mrs. Ines Lanusse, IRO; and Ms. Belen Fourcade, Investor Relations. Ms. Fourcade, you may begin your conference.

Belen Fourcade

Good day to everyone, and welcome to BBVA Argentina's third quarter 2024 results conference call. Today's webinar will be supported by a slide presentation available on our Investor Relations website on the Financial Information section.

Please note that starting January 1, 2020, as per Central Bank regulations, we have begun reporting results applying hyperinflation accounting pursuant to IFRS rules IAS 29. For ease of comparability, 2023 and 2024 figures have been restated to reflect the accumulated effect of the inflation adjustment for each period through September 30, 2024.