Credicorp, Ltd. (NYSE:BAP) Q4 2018 Earnings Conference Call January 7, 2019 9:30 AM ET Company Participants Cesar Rios – Chief Financial Officer Francesca Raffo – Head-Transformation at BCP Walter Bayly – Chief Executive Officer Gianfranco Ferrari – Deputy Chief Executive Officer Conference Call Participants Philip Finch – UBS Ernesto Gabilondo – Bank of America Andres Soto – Santander Jason Mollin – Scotiabank Carlos Gomez – HSBC Alonso Aramburú – BTG Miguel Tola – CAPIA Operator Good morning, everyone. I ...