José Rafael Fernández | President, Chief Executive Officer and Vice Chairman |
Ganesh Kumar | Senior Executive Vice President and Chief Operating Officer |
Maritza Arizmendi | Executive Vice President and Chief Financial Officer |
Alex Twerdahl | Sandler O’Neill |
Joe Gladue | Merion Capital Group |
Brett Rabatin | Piper Jaffray |
Glen Manna | Keefe, Bruyette & Woods |
Good morning. Thank you for joining OFG Bancorp’s conference call. My name is Laurie and I will be your conference operator today.
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.