Good morning, ladies and gentlemen, and thank you for waiting. At this time, we would like to welCme everyone to BBVA Argentina's Q3 2024 results conference call. We would like to inform you that this event is being recorded, and all participants will be in listen-only mode during the company's presentation. After the company's remarks are completed, there will be a question-and-answer section. At that time further instructions will be given. Should any participant need assistance during this call, please press star zero to reach the operator. 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., Investor Relations Officer, and Ms. Belén Fourcade, Investor Relations. Ms. Fourcade, you may begin your conference. 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 1st, 2020, as per Central Bank regulation, we have begun reporting results applying hyperinflation accounting pursuant to IFRS Rule 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 30th, 2024. Now, let me turn the call over to Inés. Thank you, Belén, and thank you all for joining us today. In the third quarter of 2024, the significant fiscal consolidation and the relative exchange rate stability have been contributing to a process of moderation of inflation throughout 2024. Furthermore, after a sharp contraction in the first half of the year, there are incipient signs of recovery in the economic activity, mostly in line with BBVA Research expectation, which continues to forecast a 4% decline in GDP in 2024, followed by an expansion of 6% in 2025. As for inflation, expectations of further reduction have been improved. A 125% inflation is estimated by year-end versus the 211% on the same period of 2023. BBVA Research continues to expect, within its base scenario, gradual easing of FX market restrictions during the fourth quarter of 2024 and in the third quarter of 2025, combined with a final decline in the PAIS tax announced for December. Additionally, some signs of recovery start to appear, such as industrial activity, which has increased 12% between June and September of 2024. Now, moving into business dynamics, as you can see on slide three of our webcast presentation, our service offering has evolved in such a way that by the end of September 2024, new customers' acquisition through digital channels reached 83% versus 80% a year ago. The response on the side of customers has been satisfactory, and we are convinced this is the path to pursue in the aim of sustaining and expanding our competitive position in the financial system. Retail digital sales measured in units reached 92.6% in the third quarter of 2024 and represent 73.7% of the bank's total sales measured in monetary value. Moving to slide four, I will now comment on the bank's third quarter 2024 financial results. BBVA Argentina's inflation-adjusted net income in the third quarter of 2024 was ARS 99.2 billion, decreasing 21.6% quarter over quarter. This implied a quarterly ROE of 16.9% and quarterly ROA of 2.9%. The 41.3% fall in the quarterly operating results was explained by a lower operating income, mainly due to: one, lower interest income, especially due to lower average market rates as a result of a lower average monetary policy rate, two, lower interest from CPI-linked bonds, and three, lower FX results, mainly due to the dual bond having matured. This was positively offset by a decrease in operating expenses, mostly driven by less other operating expenses, mainly due to lower turnover tax and less personnel benefits. Net fee income for the period was highly impacted by income from net monetary position, although with lower impact than the prior quarter. The income from net monetary position line recorded a 43.9% lower loss than the previous quarter, having a positive impact in the quarter-over-quarter net income comparison. Turning to the P&L lines in slide five, net interest income in the third quarter of 2024 was ARS 460.3 billion, falling 39.5% quarter over quarter. In the third quarter of 2024, interest income decreased more than interest expenses, both in monetary and percentage terms. The former fall was due to a lower income from repos and CPI-linked bonds due to lower inflation, additional to a fall in income from loans. Expenses are explained by lower expenses on CER, UVA loans adjustments, and interest on investment accounts. In the third quarter of 2024, interest income totaled ARS 760.2 billion, falling 30.3% compared to the previous quarter. Quarterly decrease is mainly driven by: one, lower income from repos; and two, lower income from loans, both explained by a decline in the quarterly average monetary policy rate. Also, the decline in quarterly inflation caused a decrease in income from CPI-linked bonds. Interest expenses totaled ARS 299.9 billion, denoting a decrease of 9.3% quarter over quarter. Quarterly decline is described by lower investment account expenses and lower CER, UVA adjustment expenses, the latter due to lower quarterly inflation. Interest from time deposits explained 71% of interest expenses versus 64.6% the previous quarter. Net Income as of the third quarter of 2024 totaled ARS 71.1 billion, increasing 7.9% quarter over quarter. The increase is explained by an increase in income and a greater fall in expenses in monetary terms. In the third quarter of 2024, CER income totaled ARS 133.2 billion, increasing 1% quarter over quarter. Improvement in CER income is mostly explained by: one, greater CER income linked to liabilities; two, higher level fees, mainly account maintenance and bundles; and three, fees linked to securities. One and two are mainly explained by price updates and more activity. On the side of CER expenses, these totaled ARS 62.1 billion, falling 6% quarter over quarter. This is explained by lower expenses on fees and promotions with debit and credit cards, in addition to lower expenses from foreign trade transactions. In the third quarter of 2024, loan loss allowances decreased 11.5%, in line with the growth in real terms of the performing loan portfolio. During the third quarter of 2024, total operating expenses were ARS 316.6 billion, decreasing 17.6% quarter over quarter in real terms, of which 32% were personal benefits costs, in line with past quarters. Personal benefits decreased 18.1% quarter over quarter, in spite of wages increasing in line with inflation. As of the third quarter of 2024, administrative expenses fell 6.1% quarter over quarter. This is mainly explained by: one, rent, two, taxes, and three, software. Rent and software are related to less expenses of software licenses and services contracted with the parent company. The tax line fell due to a contrast with the second quarter of 2024, in which income tax was paid in relation to the bank interest section tax, mainly as a result of dividends distribution. The quarterly efficiency ratio as of the third quarter of 2024 was 59.2%, above the 55.3% reported in the second quarter of 2024. In spite of expenses decreasing, income considering monetary position results had a greater fall, especially due to a decrease in net interest income. In terms of activity, on slide six, private sector loans as of the third quarter of 2024 totaled 5.5 trillion pesos, increasing 26.5% quarter over quarter in real terms. Loans to the private sector in pesos increased 23% in the third quarter of 2024. During the quarter, growth was especially driven by: one, a 48% increase in discounted instruments, followed by: two, a 51% increase in consumer loans; three, a 14.2% increase in credit cards; and four, an increase in other loans, mainly commercial loans and floor plan. In all cases, the increase is boosted by genuine growth in real terms of the portfolio, levered on the lower market interest rate and greater commercial efforts. Loans to the private sector denominated in foreign currency increased 60%. Quarterly increase is mainly explained by a 15.8% growth in financing and pre-financing of exports and a 270.3% growth in discounted instruments. During the quarter, the commercial portfolio grew 30.2% and the retail portfolio increased 22.6%. The commercial portfolio represents 55.7% of the total portfolio from 47.3% a year ago. As observed in previous quarters, loan portfolios were impacted by the effect of inflation during the third quarter of 2024, which reached 12.1%. In nominal terms, BBVA Argentina managed to increase the retail, commercial, and total loan portfolio by 38.6%, 44.5%, and 42.1%, respectively, during the quarter, surpassing quarterly inflation levels in all cases. As of the third quarter of 2024, the total loans and other financing over deposits ratio was 64.9%, below the 67% recorded in the second quarter of 2024 and above the 53.6% in the third quarter of 2023. Total loans participation over total assets reached 43% versus 40% in the second quarter of 2024 and 35% in the third quarter of 2023, evidencing lower exposure to the public sector in line with real loan growth demand. BBVA Argentina's consolidated market share of private sector loans reached 10.35% as of the third quarter of 2024, improving from 9.35% a year ago and sustaining the two-digit figures. As of the third quarter of 2024, asset quality ratio hits a very good performance at 1.18%, with non-performing loans growing in line with the total portfolio. On the funding side, as of the third quarter of 2024, total deposits reached ARS 8.5 trillion, increasing 30.9% quarter over quarter. The bank's consolidated market share of private deposits reached 8.67% as of the third quarter of 2024. Private non-financial sector deposits in pesos totaled ARS 5.1 trillion, increasing 12.4% compared to the second quarter of 2024. The quarterly change is mainly affected by a 34.8% increase in time deposits and a 13.9% increase in checking accounts, offset by a 45.2% fall in investment accounts and a 7.3% fall in savings accounts. Private non-financial sector deposits in foreign currency expressed in pesos increased 84.9% quarter over quarter. This is mainly explained by an 88.6% increase in savings accounts directly affected by the fiscal amnesty promoted by the government. BBVA Argentina continues to show strong solvency indicators on the third quarter of 2024. Capital ratio reached 22.2%. Capital excess over regulatory requirement reached 172.4%. It is important to mention that capital ratio was highly impacted in the second quarter of 2024 by dividend distribution, which was paid in three consecutive installments in cash or in kind for ARS 264.2 billion expressed in December 31, 2023 currency, and that [uncertain] the Central Bank regulation. It has been adjusted by inflation as of the day of each payment. Furthermore, the fall in the capital ratio in this quarter is particularly explained by the 14.9% increase in risk-weighted assets over the increase in ordinary capital level one of 1.1%. The increase in risk-weighted assets is linked to the real growth in the loan portfolio, in line with the increase in market risk requirements. As of the third quarter of 2024, total public sector exposure, excluding Central Bank, totaled ARS 2.6 trillion, decreasing 6.4%. The quarterly decrease is mainly explained by the maturity of the dual bonds on June 30, 2024. As of July 2024, the macro reference rate will be that of the new instrument created by the Treasury, LEFIs, which the bank ended the quarter with no position. As a result of the monetary policy adopted by the Treasury and the Central Bank, Central Bank exposure fell 87.3%, mainly due to the removal of repos with the Central Bank from the market. Exposure to the public sector, excluding Central Bank exposure, represents 21% of total assets, below the 26.3% in the second quarter of 2024, and as mentioned before, in line with real loan growth demand. In the quarter, liquid assets were 5.7 trillion pesos, increasing 26.6% quarter over quarter. This was mainly driven by an increase in cash and deposits in banks, especially due to the fiscal amnesty. As of September 2024, the bank issued corporate bonds for ARS 24.5 billion at face value at Badlar plus 5% rate and maturity on June 2025, with quarterly interest payments. BBVA Argentina's last corporate bond issuance was in 2019. This concludes our prepared remarks. We will now take your questions. Operator, please open the line for questions. We will now begin the question and answer session. To ask a question, you may press star, then one on your telephone keypad. If you are using a speakerphone, please pick up your handset before pressing the keys. To withdraw your question, please press star, then two. At this time, we will pause momentarily to assemble our roster. Again, if you have a question, please press star, then one. Once again, if you have a question, please press star, then one. Showing no questions, this concludes the question and answer session. At this time, I would like to turn the floor back to Mrs. Lanusse for any closing remarks. Okay, thank you for your time, and let us know if you have further questions. Have a good day. Thank you. This concludes today's presentation. You may disconnect your line at this time and have a nice day.