José Rafael Fernández | President, CEO & Vice Chairman |
Maritza Arizmendi Díaz | EVP & CFO |
Ganesh Kumar | Senior EVP & COO |
Brett Rabatin | Piper Jaffray |
Alex Twerdahl | Sandler O'Neill |
Glen Manna | Keefe, Bruyette & Woods |
Brett Rabatin | Piper Jaffray |
Good morning. My name is Laurie, and I will be your conference operator today. Thank you for joining us for OFG Bancorp Conference Call.
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.