Jose Rafael Fernandez | President and CEO |
Maritza Arizmendi | CFO |
Timur Braziler | Wells Fargo Securities |
Brett Rabatin | Hovde Group |
Alex Twerdahl | Piper Sandler |
Kelly Motta | KBW |
Bernard Horn | Polaris Capital Management |
Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Chelsea, and I will be your operator today.
Our speakers are Jose Rafael Fernández, Chief Executive Officer and Vice Chair of the Board of Directors; and Maritza Arizmendi, Chief Financial Officer.
A presentation accompanies today's remarks.