Jose Rafael Fernandez | President, Chief Executive Officer and Vice Chairman |
Maritza Arizmendi | Executive Vice President-Chief Financial Officer |
Alexander Twerdahl | Piper Sandler |
Glen Manna | Keefe, Bruyette, & Woods |
Steven Martin | Slater |
Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Maria, and I will be your conference operator today.
Our speakers are Jose Rafael Fernandez, Chief Executive Officer and Vice Chair of the Board of Directors; and Maritza Arizmendi, Chief Financial Officer. A presentation accompanies today's remarks can be found on our Investor Relations website on the homepage in the What's New box or on the quarterly results page.