Jose Rafael Fernandez | CEO & Vice Chair |
Maritza Arizmendi | CFO |
Alex Twerdahl | Piper Sandler |
Kelly Motta | KBW |
Brett Rabatin | Hovde Group |
Timur Braziler | Wells Fargo |
Alex Twerdahl | Piper Sandler |
Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Gretchen. I will be your 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.