Haj Narvaez

Okay. Good afternoon, ladies and gentlemen. Welcome to our earnings call to discuss BPI's results for the first quarter of 2026. I'm Haj Narvaez. I'll be your moderator for this session.

We're conducting this briefing in a hybrid manner with our BPI speakers and panelists here in our headquarters at Tower 2 of Ayala Triangle Gardens, Makati City, while the rest of our participants are dialing in remotely.

I'm pleased to introduce you to our speakers and panelists this afternoon. TG Limcaoco, our President and CEO; Eric Luchangco, our CFO and CSO. They will be joined in the panel for the Q&A by Tere Marcial, Head of BPI Wealth; Ginbee Go, Head of Consumer Banking; Louie Cruz, Head of Institutional Banking; Jenny Lacerna, Head of Mass Retail Products; Dino Gasmen, Treasurer and Head of Global Markets. We're also joined today by the rest of the BPI leadership team in this call.

This afternoon's agenda will begin with opening remarks from our President and CEO, TG Limcaoco, followed by our CFO and CSO, Eric Luchangco, who will walk you through the first quarter performance highlights, and likewise provide updates on our digital platforms and strategic initiatives. The floor will then be open to questions from the audience.

Please note, the call is being recorded and