José Rafael Fernández | President, Chief Executive Officer and Vice Chairman |
Maritza Arizmendi | Executive Vice President and Chief Financial Officer |
Ganesh Kumar | Senior Executive Vice President and Chief Operating Officer |
Brett Rabatin | Piper Jaffray |
Glen Manna | Keefe, Bruyette & Woods |
Joe Gladue | Merion Capital Group |
Alex Twerdahl | Sandler O’Neill |
Bernie Horn | Polaris Capital Management |
Dafydd Lewis | LGM |
Good morning. My name is Lori and I will be your conference operator today. Thank you for joining us for this conference call for OFG Bancorp.
Our speakers are José Rafael Fernández, President, Chief Executive Officer and Vice Chairman; Ganesh Kumar, Senior Executive Vice President and Chief Operating Officer; and Maritza Arizmendi, Executive Vice President and Chief Financial Officer. A presentation accompanies today’s remarks.