As part of ongoing commitments to bolster customer experience and streamline operations by offering personalized products and services, we have reached hyper-segmented customer groups, supported by advanced data and analytics technology. This approach has allowed us to respond accurately to the specific needs of users.

Furthermore, the Tarjeta Palacio online platform was updated and improved, integrating it into el palaciodehierro.com, which has enabled us to provide a single access point for data consultation and financial services interaction.

At Grupo Palacio de Hierro, we have reaffirmed our commitment to offering the very best experience within a changing environment through financial stability that allows us to take a long-term approach. This stability allows us to be both flexible and agile when the environment demands it, or our customers request it. Through greater innovation, and focusing on what we believe in, we are prepared to continue facing change.

I would like to take this opportunity to express my gratitude to our employees, whose commitment makes us what we are today as a company. I would also like to thank the Chairman of the Board, and the members of the board, for their support and for the trust they have placed in me.